Cash App vs Nubank PJ.
Cash App (C70/100) and Nubank PJ (N53/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. Cash App leads Nubank PJ 4-3.
| C Cash App №31 · FDIC 70 /100 | N Nubank PJ №63 · FDIC 53 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 70 /100 | 53 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | Interbank | 1.10% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Partner-bank FDIC | Payment inst. FDIC |
| Deposit guarantee Per depositor | $250,000 US.FDIC | Safeguarded BR.FGC |
| Reach | ||
| Markets served Licensed jurisdictions | 2 countries | 3 countries |
| Crypto Coins available | 1 coins | 2 coins |
| Stocks & ETFs Self-directed | Yes | Yes |
| UX | ||
| Trustpilot Customer score | 1.6 ★ 50k reviews | 3.8 ★ 50k reviews |
| App store iOS + Android avg | 4.8 ★ iOS 4.8 · And 4.7 | 4.8 ★ iOS 4.8 · And 4.7 |
| Read review → | Read review → | |
Pick Cash App if…
The largest US peer-to-peer payments + neobank hybrid by user count (~50M monthly actives). Block-owned, public via NYSE:XYZ. Bitcoin-native — was the first major US fintech to integrate BTC buy/sell. Partner-bank model via Sutton Bank means FDIC pass-through, not direct charter cover.
Pick Nubank PJ if…
Brazil's default SMB neobank — 3M+ business accounts on a free Conta PJ with PIX instant transfers, FGC-protected deposits up to BRL 250,000 per customer per institution, and Nu Invest integration for idle-cash CDB / LCI / LCA / Tesouro Direto yield. Backed by Nubank Holdings (NYSE: NU), the largest neobank in LATAM by market cap. Operating as a BACEN-supervised full financial institution under Nu Pagamentos S.A., distinguished from US / EU SMB neobanks by genuine full-bank licensing and FGC cover — deposit insurance is real, not a partner-bank pass-through.
- Best for fees Cash App won 1 of 4
- Best for protection Cash App won 2 of 2
- Best for reach Nubank PJ won 2 of 3
- Best for ux Nubank PJ won 1 of 2
Cash App vs Nubank PJ — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Cash App better than Nubank PJ?
Under our v3 methodology, Cash App leads Nubank PJ 4–3 across 12 dimensions. Composite scores: Cash App 70/100 vs Nubank PJ 53/100. Cash App is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Cash App or Nubank PJ cheaper?
Monthly fee — Cash App: €0; Nubank PJ: €0. Card FX markup — Cash App: Interbank; Nubank PJ: 1.10%. Cash App 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, Cash App or Nubank PJ?
Cash App holds a Partner-bank licence under FDIC; deposit guarantee per depositor: $250,000. Nubank PJ holds a Payment inst. licence under FDIC; deposit guarantee per depositor: Safeguarded. Cash App is the stronger pick on regulatory protection.
Where can I use Cash App and Nubank PJ?
Cash App operates in 2 countries; Nubank PJ 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.