Banco Inter vs Ualá.
Banco Inter (B76/100) and Ualá (U49/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. Banco Inter leads Ualá 6-2.
| B Banco Inter №15 · BACEN 76 /100 | U Ualá №66 · BCRA 49 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 76 /100 | 49 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | Interbank | 4.00% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Full bank BACEN | Payment inst. BCRA |
| Deposit guarantee Per depositor | €250,000 BR.FGC | Safeguarded AR.SEDESA |
| Reach | ||
| Markets served Licensed jurisdictions | 2 countries | 3 countries |
| Crypto Coins available | 8 coins | 6 coins |
| Stocks & ETFs Self-directed | Yes | Yes |
| UX | ||
| Trustpilot Customer score | 2.8 ★ 1k reviews | 2.4 ★ 5k reviews |
| App store iOS + Android avg | 4.5 ★ iOS 4.6 · And 4.4 | 4.5 ★ iOS 4.6 · And 4.5 |
| Read review → | Read review → | |
Pick Banco Inter if…
Brazilian full-bank digital pivot success story (since 2015). ~33M customers across Conta + Inter Invest + Inter Shop. Public on NASDAQ: INTR (formerly B3). Inter Shop (cashback marketplace) is a unique super-app feature in Brazilian neobanking.
Pick Ualá if…
The default Argentine fintech card (~9M users in AR). Wilobank acquisition (2022) gave Ualá a full Argentine banking licence — converts the wallet to a chartered bank for AR depositors. Mexican + Colombian expansions via local subsidiaries. Argentine inflation-hedge yield (Rendimientos) is a near-mandatory product for ARS holders.
- Best for fees Banco Inter won 1 of 4
- Best for protection Banco Inter won 2 of 2
- Best for reach Tied
- Best for ux Tied
Banco Inter vs Ualá — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Banco Inter better than Ualá?
Under our v3 methodology, Banco Inter leads Ualá 6–2 across 12 dimensions. Composite scores: Banco Inter 76/100 vs Ualá 49/100. Banco Inter is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Banco Inter or Ualá cheaper?
Monthly fee — Banco Inter: €0; Ualá: €0. Card FX markup — Banco Inter: Interbank; Ualá: 4.00%. Banco Inter wins more fee rows (1 of 4). See the Fees section of the matrix above for ATM caps and the rest.
Which is safer for deposits, Banco Inter or Ualá?
Banco Inter holds a Full bank licence under BACEN; deposit guarantee per depositor: €250,000. Ualá holds a Payment inst. licence under BCRA; deposit guarantee per depositor: Safeguarded. Banco Inter is the stronger pick on regulatory protection.
Where can I use Banco Inter and Ualá?
Banco Inter operates in 2 countries; Ualá operates in 3 countries. Check each provider's signup page for the live country list — eligibility depends on residency, not just the licence footprint.
Want a 3- or 4-way comparison?
The dynamic compare picker handles up to four banks. Add this pair plus one or two more and we'll resolve every row.