Updated September 29, 2026 · VaultCue Editorial Team
PagBank vs Yape
PagBank
Yape
Higher score in this comparison
PagBank vs Yape: the differences
| Compare | PagBankReviewVisitVisit | YapeReviewSee alternativesSee alternatives |
|---|---|---|
| Monthly fee | R$0 to R$75 | PEN 0 |
| Currency conversion fee | 5% | 0%Lower |
| Transfer fee | Free (unlimited TED and Pix to any bank) | Free (0) to send a Yape payment; remittance receiving also free |
| Currencies | Not confirmed | 2 |
| Free ATM withdrawals | R$0 | Not confirmed |
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Key differences
- Yape scores higher overall: 9.1 vs 8.9.
- Currency conversion fee is lower at Yape: 0% vs 5%.
- Support channels: only PagBank offers Email, Phone, Chat.
- Features: only PagBank offers Free ATM, No credit check.
Our verdict on each
PagBank
PagBank suits Brazilian businesses and freelancers who want a free everyday account with instant Pix payouts and a savings option on the side.
Yape
Yape suits people in Peru who want a wallet for everyday payments and money sent home, not a multi-currency account. The monthly fee is PEN 0 and the currency conversion fee is 0%, so the cost is hard to argue with, but the offer is thin at 2 currencies.
Score breakdown
| Area | PagBank | Yape |
|---|---|---|
| Cost | 8.6Cost score rests on BRL 0 to BRL 75 monthly charges, BRL 0 for cash withdrawals and 5% for card conversion. | 9.6HigherMonthly fee of PEN 0, a currency conversion fee of 0% and free transfers on a single-currency wallet. |
| Offer | 9.2HigherOffer score rests on variable savings, Daily liquidity, redeem whenever you want and payouts to bank and wallet. | 8.3Covers 2 currencies, pays out to the wallet only and runs as a digital-only service. |
| Trust | 8.8 | Not confirmed |
How they place
| Ranking | PagBank | Yape |
|---|---|---|
| Money transfer services | 14 of 1564 | 240 of 1564 |
| Online banks | 11 of 402 | 93 of 402 |
Every fact side by side
| Fact | PagBank | Yape |
|---|---|---|
| Audience | Business, Freelancer | Not confirmed |
| Pricing model | No monthly fee | No monthly fee |
| Features | Free ATM, Digital only, No credit checkCovers more | Digital only |
| Legal entity | PAGSEGURO INTERNET INSTITUIÇÃO DE PAGAMENTO S/A | Not confirmed |
| Headquarters | Brazil | Not confirmed |
| Founded | 2006 | Not confirmed |
| Support channels | Email, Phone, Help centre, ChatCovers more | Help centre |
Savings
| Fact | PagBank | Yape |
|---|---|---|
| Rate type | Variable | Not confirmed |
| Minimum deposit | R$1 | Not confirmed |
| Access terms | Daily liquidity, redeem whenever you want | Not confirmed |
| Account kind | Easy access | Not confirmed |
Money transfer
| Fact | PagBank | Yape |
|---|---|---|
| Delivery time | Within minutes: cross-border payouts cleared in minutes to Pix or a PagBank account; Pix transfers instant 24/7 | Instant, credited directly to the Yape wallet |
| Payout methods | Bank, WalletCovers more | Wallet |
| Fee to send 1,000 | R$0 | PEN 0 |
Where each stands against the rest
| Fact | PagBank | Yape | Median |
|---|---|---|---|
| Currency conversion fee | 5%highest quarter | 0%below the median | 0.5% |
| Currencies | Not confirmed | 2lowest quarter | 5 |
Median across 536 listed accounts.
Pros and cons
PagBank
Pros
- Transfers to any bank are Free (unlimited TED and Pix to any bank), which covers both Pix and TED.
- Cash access carries an allowance of BRL 0, so withdrawals do not add to the bill.
- Payouts reach bank and wallet, and cross-border money clears in minutes to Pix or a PagBank account.
Cons
- Currency conversion on the card costs 5%, which ranks 304 of 312 and sits above the site median of 0.5%.
- The service is digital-only, as free atm, digital only and no credit check shows, so it suits people comfortable running money from an app.
- Savings pay a variable rate, so returns can move.
Yape
Pros
- Monthly fee of PEN 0 on the everyday account
- Currency conversion fee of 0%, top of the multi-currency table
- Sending a Yape payment and receiving a remittance are both free
Cons
- Only 2 currencies, near the bottom of the multi-currency table
- Payouts run to the wallet only, so money cannot be withdrawn to a bank account
- Support runs on help centre only, with no phone or email line
Who each suits
PagBank
Who it suits
- Brazilian sole traders and small companies that bill and pay in Pix
- Freelancers who want an everyday account with an easy access CDB alongside
- Anyone happy to manage the account from a phone
Who should look elsewhere
- Skrill, if a wallet outside Brazil fits better: its monthly fee is €0
- Plazo ES, if a Spanish product suits you instead: its monthly fee is €0
- PayPal Colombia, if a wallet for cross-border online payments is the job: its monthly fee is $0
Yape
Who it suits
- People living in Peru paying everyday bills from a phone
- Family members abroad sending remittances to a Yape wallet
- Anyone who wants to receive money without opening a bank account
Who should look elsewhere
- PayPal Colombia or Skrill if you hold money in several currencies
- eToro if you want a card account that pays out to a bank
- Anyone who needs help by phone, since support runs on help centre only
Current offers
PagBank
Current offer
Discount code
Taxa 0% para novos clientes (0% merchant rate on card readers): 0%
New customers of the Conta PJ PagBank; card reader without rental fee
Source, checked September 26, 2026
Discount code
Moderninha ProFit com 90% off (Super Max): R$ 83,88 à vista (12x de R$ 6,99)
Super Max plan; promotional price valid under campaign terms
Source, checked September 26, 2026
Yape
Current offer
Discount code
Hasta 50% de descuento en electrodomésticos en Yape Tienda: Up to 50% off appliances
Source, checked September 26, 2026
Country by country
| Country | PagBank | Yape |
|---|---|---|
| Brazil | Yes | No |
| Peru | No | Yes |
Questions about each
PagBank
What does PagBank charge to hold an account?+
The monthly fee runs BRL 0 to BRL 75, and the account is built around no monthly charge. PagBank ranks 1 of 500 on monthly fee across the site, the site median is €0, and the top of the site range reaches €449.
Are Pix and TED transfers really free?+
Transfers to any bank are Free (unlimited TED and Pix to any bank), and the Pix transfer charge is BRL 0. Pix is instant around the clock, and cross-border payouts clear in minutes to Pix or a PagBank account, with payouts landing on bank and wallet.
Yape
How much does a Yape account cost to keep?+
The monthly fee on the everyday account is PEN 0. Sending a Yape payment carries no charge, and receiving a remittance is free as well, so the everyday cost of running the wallet is close to nothing.
What does it cost to change currency in a Yape wallet?+
The currency conversion fee is 0%, which sits at the top of the multi-currency ranking. The catch is that Yape only holds 2 currencies, so a wider currency basket is not available here.
Other options to compare
Other matchups
Related by the facts
PagBank
Yape