Bank Jago vs Nubank.
Bank Jago (B75/100) 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 Bank Jago 5-3.
| B Bank Jago №22 · Full Indonesian banking licence 75 /100 | N Nubank №27 · BACEN 72 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 75 /100 | 72 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 2.00% | 4.00% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Full bank | Full bank BACEN |
| Deposit guarantee Per depositor | €2,000,000,000 ID.LPS | €250,000 BR.FGC |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 3 countries |
| Crypto Coins available | No | 5 coins |
| Stocks & ETFs Self-directed | No | Yes |
| UX | ||
| Trustpilot Customer score | — | 3.1 ★ 2k reviews |
| App store iOS + Android avg | 4.5 ★ iOS 4.6 · And 4.5 | 4.8 ★ iOS 4.9 · And 4.8 |
| Read review → | Read review → | |
Pick Bank Jago if…
Largest Indonesian neobank by users — ~9M Indonesians. OJK-regulated full bank, IDX-listed (ARTO). GoTo (Gojek + Tokopedia) major shareholder. Multi-pocket structure ('Jago Pockets'). Sharia-compliant Jago Syariah variant.
Pick Nubank if…
Pick if you bank in Brazil and want the dominant local digital bank with full BACEN supervision.
- Best for fees Bank Jago won 1 of 4
- Best for protection Bank Jago won 1 of 2
- Best for reach Nubank won 3 of 3
- Best for ux Nubank won 2 of 2
Bank Jago vs Nubank — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Bank Jago better than Nubank?
Under our v3 methodology, Nubank leads Bank Jago 5–3 across 12 dimensions. Composite scores: Bank Jago 75/100 vs Nubank 72/100. Nubank is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Bank Jago or Nubank cheaper?
Monthly fee — Bank Jago: €0; Nubank: €0. Card FX markup — Bank Jago: 2.00%; Nubank: 4.00%. Bank Jago 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, Bank Jago or Nubank?
Bank Jago holds a Full bank licence under Full Indonesian banking licence (OJK regulated); LPS member, IDR 2,000,000,000 cover per depositor per institution. IDX-listed (ARTO). // TODO(verify).; deposit guarantee per depositor: €2,000,000,000. Nubank holds a Full bank licence under BACEN; deposit guarantee per depositor: €250,000. Bank Jago is the stronger pick on regulatory protection.
Where can I use Bank Jago and Nubank?
Bank Jago operates in 1 country; Nubank 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.