K Bank vs Nubank PJ.
K Bank (K78/100) 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 K Bank 5-4.
| K K Bank №09 · KDIC 78 /100 | N Nubank PJ №63 · FDIC 53 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 78 /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 | Full bank KDIC | Payment inst. FDIC |
| Deposit guarantee Per depositor | €50,000,000 KR.KDIC | 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 | 4.5 ★ iOS 4.5 · And 4.4 | 4.8 ★ iOS 4.8 · And 4.7 |
| Read review → | Read review → | |
Pick K Bank if…
Korea's first Internet-Only Bank to launch (April 2017) — predates Kakao Bank by three months. KT Corporation (Korea Telecom) is the largest shareholder, providing carrier-bundled distribution and ASEAN remittance corridors via Wirebarley. The cash-settlement counterparty for Upbit, Korea's largest crypto exchange — exposure to crypto-cycle deposit flows. Listed on KOSPI in 2024 after two shelved IPO attempts.
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 K Bank won 1 of 4
- Best for protection K Bank won 2 of 2
- Best for reach Nubank PJ won 3 of 3
- Best for ux Nubank PJ won 2 of 2
K Bank vs Nubank PJ — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is K Bank better than Nubank PJ?
Under our v3 methodology, Nubank PJ leads K Bank 5–4 across 12 dimensions. Composite scores: K Bank 78/100 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 K Bank or Nubank PJ cheaper?
Monthly fee — K Bank: €0; Nubank PJ: €0. Card FX markup — K Bank: Interbank; Nubank PJ: 1.10%. K Bank 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, K Bank or Nubank PJ?
K Bank holds a Full bank licence under KDIC; deposit guarantee per depositor: €50,000,000. Nubank PJ holds a Payment inst. licence under FDIC; deposit guarantee per depositor: Safeguarded. K Bank is the stronger pick on regulatory protection.
Where can I use K Bank and Nubank PJ?
K Bank 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.