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Banco PagBank: Conta gratuita

86
Quality Score
Excellent

Banco PagBank: Conta gratuita

High confidence
4.8 ✍️ Editor
✍️ bumetric analysis

Banco PagBank targets the Brazilian digital banking sector, directly competing with established neobanks like Nubank and Inter, as well as traditional banks expanding their digital offerings. Its strong user rating, backed by over four million reviews, indicates significant market penetration and robust user satisfaction, suggesting the app is firmly in a mature growth phase with a loyal user base. The "free" monetization model, typical for digital banks, focuses on acquiring users at scale and then monetizing through interchange fees on card transactions, lending products, and investment services. For this finance category, a common monetization observation is the reliance on a freemium model where basic services are free, but premium features like higher interest rates on savings, advanced investment tools, or specific credit products drive revenue.

BU Score 86 · Excellent — strong product-market fit. The full Investment Matrix below scores 8 dimensions including monetisation, growth, and operational risk.

Track snapshot history and revenue forecast in the Performance section below.

💰 Monthly revenue · now vs forecast
● Right now
$6.3K
per month
12-mo forecast
$6.5K – $13.7K
per month
24-mo forecast
$8.1K – $24.2K
per month
MID tier
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Typical impact: +2-5× organic installs
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📊 Performance Tracking LIVE

Loading…
idle
0%
Rating
Reviews
Forecast Revenue / mo
Snapshots tracked
0
since first record
ONE-TIME · BUILD 💰 Estimated build cost
$125K
What it cost to build · not monthly revenue
Likely range $95K – $170K
$25K · MVP floor $100K · indie scale $500K+ · studio build
📈 Pays back in ~1.7y at current MRR

Synthetic estimate. Inputs: category complexity, file size, screen count, monetization layer, platform reach, age × team-size proxy. Calibrated against 2024-2026 indie-agency rate surveys. Full math + source list on /methodology.

Where the money goes
🧱 MVP baseline (design + 1-store ship) +$28K
📱 5 unique screens × $4.5K +$22K
Finance complexity ×1.60 +$30K
🌐 Cross-platform reach (iOS + Android) +$44K
Total estimate $125K
ONE-TIME · EXIT VALUE 💵 Estimated acquisition value
$125K
What it would sell for · not monthly revenue
Marketplace range $100K – $175K · 21× MRR multiple
💸 ~1.0× build cost (break-even+)

Synthetic estimate. Multiple band derived from ad-supported + age, rating quality, category demand, and user-base maturity. Calibrated against 2024-2026 indie-app-marketplace closed-deal medians. Full math + comparable deal list on /methodology.

How the multiple was built
📺 Ad-supported base 15× MRR
★ rating ≥ 4.7 (premium) +15%
🏷 Finance category multiple +15%
Mature user base (1M+ ratings) +8%
Final multiple 21× MRR
👥 Estimated audience size
262.5M
Lifetime downloads (US-equivalent)
Monthly active
73.5M
Daily active
29.0M

Synthetic estimate from ratings × category benchmarks. Calibrated against 2024-2026 mobile-attribution retention + DAU/MAU reports. Numbers are US-storefront-equivalent — true global audience can be 5-10× larger for international apps. Full math + source list on /methodology.

How we sized it
📲 Finance engagement ~60 installs / rating
🔁 Finance D30 retention 28%
📍 DAU / MAU stickiness 0.40
DAU / MAU 39% sticky
🛠 Estimated tech stack
🤖
Native Android (Kotlin)
High confidence · 80%
Also possible
Flutter

Heuristic guess from app bundle size, category, store description signals, and release-date stack era. Bumetric does not disassemble binaries — for binary-level certainty you would need an SDK intelligence tool or the manifest itself. Reasoning chain on the right. Full ruleset on /methodology.

Signals we read
🏷 Category context Finance
📦 Compact Android bundle → Native Kotlin
🔬

How we forecast this revenue

MEDIUM CONFIDENCE
Baseline
$6.3K/mo · ML-estimated from 234 triggers
Growth rate
+4.0% MoM · MID tier baseline (compound monthly)
Direction
Headwinds: low defensibility moat
6 months
$6.0K – $10.0K
12 months
$6.5K – $13.7K
24 months
$8.1K – $24.2K
Compound growth at +4.0% MoM (tier baseline for MID). Range widens with horizon — typical noise band ±25% at 6mo.. Ranges widen with horizon — distant futures carry more uncertainty.
📊

BU Investment Matrix

Below median · 45/100MID TIERunderperforming peers
GrowthFounderQualityRevenueMonetiz.MoatMarketSafety
Growth Velocity
5.0
Founder Strength
4.8
Product Quality
9.6
Revenue Strength
3.8
Monetization Maturity
1.0
Defensibility
2.0
Market Position
0.0
Operational Safety
10.0
  • 💰 Revenue: Modest — $4K - $9K/mo · MID tier · medium confidence, trajectory unclear.
  • ⭐ Quality: 4.78★ across 4,376,017 reviews — exceptional (top 1% in category).
  • 📍 Market: Not yet charting in any of the 9 monitored markets.
  • 📈 Growth: Insufficient signal to assess trajectory.
  • ⚠️ Risk: Low — no material risk signals detected.
🎯 For competitors: Mixed picture. Worth competing if you have a clear UX or pricing edge — otherwise crowded segment.
💵 For acquirers: Estimated asking range 18-32× monthly = $113K-$201K.
Composite of 8 dimensions computed deterministically from public signals — no LLM, every score traces back to a measurable input. Default weights shown; "compete" / "acquire" / "invest" lenses re-weight without re-fetching.
Range:

💰 Forecast Revenue / mo

MODEL
Revenue forecast computed from BU's 234 trigger model on each snapshot. Calibrated against ground-truth from 58 verified-revenue apps.
🔬Forecast Breakdown — Why This Estimate?Top 3 of 3 triggers
Our ML model uses 200+ signals from public data. These are the most influential for this app:
High install base (4,376,017 ratings)METRIC
+$12,000
Excellent rating (4.8★)METRIC
+$2,200
Ad-supported / freemiumMETRIC
+$600
METRIC = structural app data · REVIEW = mined from user reviews · ✓ VERIFIED = Stripe-verified anchor (TrustMRR)

📈 Reviews Growth

LIVE
Cumulative review count from first BU snapshot. Each point = a tracked update.

⭐ Rating Trend

LIVE
Average rating evolution. Updates with each new review batch.

Profile & Insights

Everything we know — and don't — about this app and its company.

Identification

App name
Banco PagBank: Conta gratuita
Developer
PagBank
Bundle ID
br.com.uol.ps.myaccount
App Store URL
Open in App Store
Category
Finance
Content rating
Not found
Languages
Not found

Company

Website
Not found
Tagline
Not found
Description
Not found
Founded
Not found
HQ / Address
Not found
Employees
Not found
Logo
Not found

Revenue

Verified revenue / mo
Not found
AI revenue estimate / mo
Not found
AI annual estimate
Not found
ML model estimate / mo
$6.3K/mo
Top-grossing rank
Not found
All-time revenue
Not found
Pricing
Not found

Founder

Founder data not yet collected for this app.

Funding

Funding data not yet collected for this app.

Press & Links

Press & Links data not yet collected for this app.

Contacts & Socials

Contacts & Socials data not yet collected for this app.
AI Revenue EstimateCONFIDENCE: HIGH
The Android app "Banco PagBank: Conta gratuita" by PagBank does not generate direct revenue through in-app purchases, as indicated by Sensor Tower. The app serves as a digital platform for PagBank's broader financial services, which include merchant discount and processing fees, banking spreads, credit portfolio interest, and other financial products, contributing to the parent company's overall revenue. PagBank (PagSeguro Digital Ltd.) reported a net revenue of R$3.5 billion in Q4 2025 and R$20.4 billion for the full year 2025.
Sources mentioned: Sensor Tower, Growjo, Finimize, Investing.com, Mziq, ANP Persportaal, PR Newswire, Nasdaq, Google Play Store
Profile is built from iTunes Lookup + developer site scrape + ML revenue model. Empty fields show "Not found" — additional sources (Crunchbase, X, IndieHackers, Acquire.com) coming.

📝 About this app

PagBank is the complete bank where your money earns more! Free Digital Account and Credit Card with no credit check for individuals and businesses. Plus, a Card Machine with zero fees and your money arrives instantly!

And more: with PagBank, you can also turn your cell phone into a card machine!

💲Piggy Bank

With the PagBank piggy bank, saving money has become even easier.

Save your way: save your money and see it earn more than a savings account, without paying fees and with withdrawals whenever you want.

💵Automatic Savings… View full description on the official store →
App Specs
🔐 Own this app? Claim & verify MRR →
🔖 v5.43.9🔄 updated 0d ago📂 Finance💰 Free
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📝 Description

95
BU Score · Transcendent
Full revenue analysis
Read the article-style breakdown for Banco PagBank: Conta gratuita: category rank, percentile, growth signal, comparable apps, and how the forecast is calibrated against verified-MRR anchors in this niche.
Read deep-dive →

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About this analysis
ZCAnalyzed by Zakhar Chumak · founder, bumetric·Full methodology·High confidence

Why high confidence: 4,376,017 ratings · no founder-verified revenue (model estimate only).

Frequently Asked Questions

4 answers · auto-generated from this app's public data
How much does Banco PagBank make per month?
Based on our ML-calibrated revenue forecast, Banco PagBank earns approximately $6.3K/mo. This is a US-storefront-equivalent estimate; global revenue can be several times larger for internationally-distributed apps. See the methodology page for the full formula and confidence bands.
What apps are like Banco PagBank?
Browse the full Finance category catalog to find similar apps with revenue, build cost, audience and tech stack data. Each /p/{slug} page also shows a Compare side-by-side widget with three peer apps from the same niche.
Who makes Banco PagBank?
Banco PagBank is published by PagBank on the Google Play Store. See the full publisher portfolio (other apps by the same developer) via the More by developer block on the product page above.
What is Banco PagBank's BU Score?
Banco PagBank has a BU Score of 86/100 (Excellent). The score combines App Store rating, ratings count, monetization model and revenue signals calibrated against founder-verified MRR anchors. See the BU Score formula.