Toss Bank vs Nubank.
Toss Bank (T78/100) 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. Nubank leads Toss Bank 4-3.
| N Nubank №27 · BACEN 72 /100 | T Toss Bank №11 · KDIC 78 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 72 /100 | 78 /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 KDIC |
| Deposit guarantee Per depositor | €250,000 BR.FGC | €50,000,000 KR.KDIC |
| 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 | — |
| App store iOS + Android avg | 4.8 ★ iOS 4.9 · And 4.8 | 4.7 ★ iOS 4.7 · 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 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 1 of 2
- Best for reach Nubank won 2 of 3
- Best for ux Nubank won 2 of 2
Toss Bank vs Nubank — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Nubank better than Toss Bank?
Under our v3 methodology, Nubank leads Toss Bank 4–3 across 12 dimensions. Composite scores: Nubank 72/100 vs Toss Bank 78/100. Nubank is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Nubank or Toss Bank cheaper?
Monthly fee — Nubank: €0; Toss Bank: €0. Card FX markup — Nubank: 4.00%; 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 or Toss Bank?
Nubank holds a Full bank licence under BACEN; deposit guarantee per depositor: €250,000. 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 and Toss Bank?
Nubank 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.