Nubank PJ vs Klar.
Nubank PJ (N53/100) and Klar (K50/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. Nubank PJ leads Klar 7-0.
| K Klar №76 · CNBV 50 /100 | N Nubank PJ №63 · FDIC 53 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 50 /100 | 53 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 2.00% | 1.10% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Payment inst. CNBV | Payment inst. FDIC |
| Deposit guarantee Per depositor | Safeguarded MX.IPAB | Safeguarded BR.FGC |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 3 countries |
| Crypto Coins available | No | 2 coins |
| Stocks & ETFs Self-directed | No | Yes |
| UX | ||
| Trustpilot Customer score | — | 3.8 ★ 50k reviews |
| App store iOS + Android avg | 4.3 ★ iOS 4.4 · And 4.3 | 4.8 ★ iOS 4.8 · And 4.7 |
| Read review → | Read review → | |
Pick Klar if…
Mexican challenger neobank under SOFIPO licence (CNBV). Credit-card-led — competes with Stori for the underbanked-credit segment. SOFIPOs have limited IPAB cover compared to full banks (instituciones de banca múltiple).
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 Nubank PJ won 1 of 4
- Best for protection Tied
- Best for reach Nubank PJ won 3 of 3
- Best for ux Nubank PJ won 2 of 2
Nubank PJ vs Klar — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Klar better than Nubank PJ?
Under our v3 methodology, Nubank PJ leads Klar 7–0 across 12 dimensions. Composite scores: Klar 50/100 vs Nubank PJ 53/100. Nubank PJ is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Klar or Nubank PJ cheaper?
Monthly fee — Klar: €0; Nubank PJ: €0. Card FX markup — Klar: 2.00%; Nubank PJ: 1.10%. Nubank PJ 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, Klar or Nubank PJ?
Klar holds a Payment inst. licence under CNBV; deposit guarantee per depositor: Safeguarded. Nubank PJ holds a Payment inst. licence under FDIC; deposit guarantee per depositor: Safeguarded. Both score equally on regulatory protection rows.
Where can I use Klar and Nubank PJ?
Klar operates in 1 country; 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.