Wells Fargo vs PNC Bank: which is better? Comparison 2026
By our public methodology Wells Fargo scores 96 out of 100 and PNC Bank scores 93. Below: the factors and facts where they differ, each fact with its source.
Score breakdown
| Wells Fargo | PNC Bank | |
|---|---|---|
| Safety | 100 | 100 |
| Digital services | 86 | 86 |
| Products | 100 | 100 |
| Transparency | 100 | 83 |
Pros and cons
Wells Fargo
- Wide range of products for private customers
- Long track record as a licensed bank
- Member of a deposit protection scheme
- Holds its own current rating from a recognised agency
PNC Bank
- Wide range of products for private customers
- Long track record as a licensed bank
- Member of a deposit protection scheme
- Holds its own current rating from a recognised agency
Facts side by side
| Fact | Wells Fargo | PNC Bank |
|---|---|---|
| Licensed since | 1870 api.fdic.gov | 1804 api.fdic.gov |
| Deposit protection | Yes api.fdic.gov | Yes api.fdic.gov |
| Agency rating | Yes wellsfargo.com | Yes investor.pnc.com |
| Annual reports online | Yes wellsfargo.com | Yes investor.pnc.com |
| Mobile app | Yes wellsfargo.com | Yes pnc.com |
| Open an account online | Yes wellsfargo.com | Yes pnc.com |
| Instant payments | Yes wellsfargo.com | Yes pnc.com |
| 24/7 support | Not verified | No pnc.com |
| Retail lines offered (of 6) | 6 wellsfargo.com | 6 pnc.com |
| Tariffs online | Yes wellsfargo.com | Yes pnc.com |
| Deposit rates online | Yes wellsfargo.com | Yes pnc.com |
| Complaints procedure published | Yes wellsfargo.com | Not verified |
| Branches in the country | 4,161 api.fdic.gov | 2,413 api.fdic.gov |