SoFi vs Nubank.
SoFi (S79/100) and Nubank (N72/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. A close tie.
| N Nubank №27 · BACEN 72 /100 | S SoFi №07 · OCC 79 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 72 /100 | 79 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 4.00% | Interbank |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Full bank BACEN | Full bank OCC |
| Deposit guarantee Per depositor | €250,000 BR.FGC | $250,000 US.FDIC |
| Reach | ||
| Markets served Licensed jurisdictions | 3 countries | 1 country |
| Crypto Coins available | 5 coins | No |
| Stocks & ETFs Self-directed | Yes | Yes |
| UX | ||
| Trustpilot Customer score | 3.1 ★ 2k reviews | 3.6 ★ 12k reviews |
| App store iOS + Android avg | 4.8 ★ iOS 4.9 · And 4.8 | 4.7 ★ iOS 4.8 · And 4.6 |
| Read review → | Read review → | |
Pick Nubank if…
Pick if you bank in Brazil and want the dominant local digital bank with full BACEN supervision.
Pick SoFi if…
Pick if you want the best US savings yield from an OCC-chartered bank with a clean account experience.
- Best for fees SoFi won 1 of 4
- Best for protection Tied
- Best for reach Nubank won 2 of 3
- Best for ux Tied
SoFi vs Nubank — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Nubank better than SoFi?
Nubank and SoFi are tied 3–3 across 12 dimensions under our v3 methodology. Composite scores: Nubank 72/100 vs SoFi 79/100. The right pick depends on which dimension you weight most heavily.
Is Nubank or SoFi cheaper?
Monthly fee — Nubank: €0; SoFi: €0. Card FX markup — Nubank: 4.00%; SoFi: Interbank. SoFi 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, Nubank or SoFi?
Nubank holds a Full bank licence under BACEN; deposit guarantee per depositor: €250,000. SoFi holds a Full bank licence under OCC; deposit guarantee per depositor: $250,000. Both score equally on regulatory protection rows.
Where can I use Nubank and SoFi?
Nubank operates in 3 countries; SoFi operates in 1 country. 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.