Toss Bank vs Nubank PJ.
Toss Bank (T78/100) 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. A close tie.
| N Nubank PJ №63 · FDIC 53 /100 | T Toss Bank №11 · KDIC 78 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 53 /100 | 78 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 1.10% | Interbank |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Payment inst. FDIC | Full bank KDIC |
| Deposit guarantee Per depositor | Safeguarded BR.FGC | €50,000,000 KR.KDIC |
| Reach | ||
| Markets served Licensed jurisdictions | 3 countries | 1 country |
| Crypto Coins available | 2 coins | No |
| Stocks & ETFs Self-directed | Yes | Yes |
| UX | ||
| Trustpilot Customer score | 3.8 ★ 50k reviews | — |
| App store iOS + Android avg | 4.8 ★ iOS 4.8 · And 4.7 | 4.7 ★ iOS 4.7 · And 4.6 |
| Read review → | Read review → | |
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.
Pick Toss Bank if…
Korea's third internet-only bank. Viva Republica subsidiary — operates inside the Toss super-app (~25M users). Full KFSC licence since 2021; KDIC cover. The mobile-app-native counterpart to Kakao Bank.
- Best for fees Toss Bank won 1 of 4
- Best for protection Toss Bank won 2 of 2
- Best for reach Nubank PJ won 2 of 3
- Best for ux Nubank PJ won 2 of 2
Toss Bank vs Nubank PJ — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Nubank PJ better than Toss Bank?
Nubank PJ and Toss Bank are tied 4–4 across 12 dimensions under our v3 methodology. Composite scores: Nubank PJ 53/100 vs Toss Bank 78/100. The right pick depends on which dimension you weight most heavily.
Is Nubank PJ or Toss Bank cheaper?
Monthly fee — Nubank PJ: €0; Toss Bank: €0. Card FX markup — Nubank PJ: 1.10%; Toss Bank: Interbank. Toss 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, Nubank PJ or Toss Bank?
Nubank PJ holds a Payment inst. licence under FDIC; deposit guarantee per depositor: Safeguarded. Toss Bank holds a Full bank licence under KDIC; deposit guarantee per depositor: €50,000,000. Toss Bank is the stronger pick on regulatory protection.
Where can I use Nubank PJ and Toss Bank?
Nubank PJ operates in 3 countries; Toss Bank 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.