Brazil
activeFeaturedNeobank
- HQ
- São Paulo
- Fee
- No annual fee on core card
Agibank
Brazilian bank for people the branches ignored. FGC, not a wallet.
Rate this app
6.8Mixed
AlternativesOur take
Desk verdict
Agibank is a Banco Central bank with FGC. Put it next to Nubank as a different object: hubs and payroll credit versus a purple card. Do not list it as a fintech wallet.
Banco Agibank grew out of payroll-linked credit for underserved Brazilians and now runs a licensed bank with a large Smart Hub network. Porto Alegre. 6M+ customers. The 2026 listing path is a capital-markets story, not a licence change.
Agibank lists Bank (Banco Agibank) under Banco Central do Brasil in Brazil. On safeguarding we currently write: FGC up to R$250,000 per CPF per member institution on eligible deposits. Holder / issuer line: Banco Agibank S.A.. An AML programme is claimed. There is no IBAN-class local rail on the flags we store. We list 1 live markets on the product. As we score the sticker: monthly Pack-dependent; FX Not a travel bank; ATM Network + hubs. This desk would open it for: Brazilians who want a bank that still has a human desk, with FGC on the deposit.
What it does well: Licensed Brazilian bank; FGC; Hub network is the distribution. What to watch: Not Nubank polish; Brazil-only; Credit is the engine. Desk score 6.8 / 10 (safety 8.0, fees 7.0, features 7.4, app 7.2). Last verified 2026-08-28. Headquartered in Porto Alegre, Brazil; founded 1999. None of this is advice — it is a file so you can read the entity before the card colour.
Best for: Brazilians who want a bank that still has a human desk, with FGC on the deposit.
Pros
- +Licensed Brazilian bank
- +FGC
- +Hub network is the distribution
- +Credit + deposit in one group
Cons
- −Not Nubank polish
- −Brazil-only
- −Credit is the engine
- −Hubs are not ‘pure digital’
Account facts
- Platforms
- iOS · Android · Web
- Account types
- BRL current · payroll credit
- Partner bank
- Banco Agibank S.A.
- Minimum balance
- R$0
- Lowest monthly fee
- Pack-dependent
- Who can open
- Brazilian residents
- Availability
- Brazil
How it actually works
- Custody
- Bank balance
- Local rails
- In-app ledger
- Built for
- Personal
- Settlement
- App-ledger instant; bank rails per corridor
- Review risk
- Bank-grade; still not freeze-proof
- Pay surface
- visa · physical · virtual · Google Pay
Safety
FGC up to R$250,000 per CPF per member institution on eligible deposits
Holder / issuer: Banco Agibank S.A.
- Banco Central do BrasilBank (Banco Agibank) · Brazil
Fees
- Monthly
- Pack-dependent
- FX markup
- Not a travel bank
- ATM
- Network + hubs
Features
- –IBAN
- –Fee-free core
- –Multi-currency
- –Apple Pay
- ✓Google Pay
- ✓Virtual card
- ✓Physical card
- –Metal card
- –Crypto
- –Stocks
- –Business
- –Kids
- –Halal
- BRL current account
- Payroll-linked credit
- 1,000+ Smart Hubs
- Cards
- App
Score
- Safety25%
- 8.0
- Fees20%
- 7.0
- Features15%
- 7.4
- App15%
- 7.2
- Global15%
- 3.0
- Support10%
- 7.4
Change log
Full logLicence
Banco Agibank — BCB bank, FGC
Porto Alegre. Hubs and payroll credit. Not a wallet. 2026 listing path is capital markets, not a licence change.
Available in
FAQ
Is Agibank a bank?+–
Agibank holds a banking-style licence (Banco Central do Brasil). Still read the legal entity on the statement, not the app icon.
How is money protected?+–
FGC up to R$250,000 per CPF per member institution on eligible deposits
Where is Agibank available?+–
We list 1 market desk on the desk. Residency and onboarding rules still sit with Agibank.
Card and wallets?+–
visa · physical · virtual · Google Pay
Ratings and reviews
No published user reviews yet. The desk score still comes from licence, fees, and the product — not from a empty star average.
Alternatives
Full alternatives page
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- HQ
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- Fee
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