Found vs Nubank PJ.
Found (F69/100) 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. Nubank PJ leads Found 5-4.
| F Found №39 · FDIC 69 /100 | N Nubank PJ №63 · FDIC 53 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 69 /100 | 53 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 1.00% | 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 | 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 | 4.7 ★ iOS 4.8 · And 4.6 | 4.8 ★ iOS 4.8 · And 4.7 |
| Read review → | Read review → | |
Pick Found if…
The tightest 1099-workflow loop in US neobanking — deposit lands → user-defined percentage auto-routes to a Taxes Pocket → quarterly tax estimator computes the federal liability → in-app federal payment closes the loop. Plus and Pro tiers add APY (1.50% capped at $20K / 2.50% uncapped) and Pro layers in 1% cashback on a metal debit card. Sponsor bank migrated from Piermont Bank to Lead Bank in October 2025 — legacy customers should verify their rails have moved.
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 Found won 1 of 4
- Best for protection Found won 2 of 2
- Best for reach Nubank PJ won 3 of 3
- Best for ux Nubank PJ won 2 of 2
Found vs Nubank PJ — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Found better than Nubank PJ?
Under our v3 methodology, Nubank PJ leads Found 5–4 across 12 dimensions. Composite scores: Found 69/100 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 Found or Nubank PJ cheaper?
Monthly fee — Found: €0; Nubank PJ: €0. Card FX markup — Found: 1.00%; Nubank PJ: 1.10%. Found 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, Found or Nubank PJ?
Found 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. Found is the stronger pick on regulatory protection.
Where can I use Found and Nubank PJ?
Found 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.