C6 Bank vs Up Bank.
C6 Bank (C71/100) and Up Bank (U55/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. C6 Bank leads Up Bank 4-3.
| C C6 Bank №30 · BACEN 71 /100 | U Up Bank №60 · PRA 55 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 71 /100 | 55 /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 | Payment inst. PRA |
| Deposit guarantee Per depositor | €250,000 BR.FGC | Safeguarded AU.FCS |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 1 country |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | Yes | No |
| UX | ||
| Trustpilot Customer score | 2.9 ★ 1k reviews | 4.0 ★ 2k reviews |
| App store iOS + Android avg | 4.5 ★ iOS 4.6 · And 4.4 | 4.8 ★ iOS 4.8 · And 4.7 |
| Read review → | Read review → | |
Pick C6 Bank if…
Fastest-growing Brazilian neobank since 2018, ~30M customers. JP Morgan Chase invested in 2021 (40% stake) — adds international banking-as-a-service dimension via C6 Glob (USD account product). The Carbono tier (R$45/mo) is a structural mid-market premium positioned between free Nu Padrão and Itaú Personnalité.
Pick Up Bank if…
Australian neobank built on top of Bendigo and Adelaide Bank's APRA-regulated charter — direct FCS AUD 250,000 cover via the parent. Strongest Australian neobank UX for under-35 consumers; budgeting and pay-day forecasting are best-in-class. No FX markup makes it travel-friendly.
- Best for fees Up Bank won 1 of 4
- Best for protection C6 Bank won 2 of 2
- Best for reach C6 Bank won 1 of 3
- Best for ux Up Bank won 2 of 2
C6 Bank vs Up Bank — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is C6 Bank better than Up Bank?
Under our v3 methodology, C6 Bank leads Up Bank 4–3 across 12 dimensions. Composite scores: C6 Bank 71/100 vs Up Bank 55/100. C6 Bank is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is C6 Bank or Up Bank cheaper?
Monthly fee — C6 Bank: €0; Up Bank: €0. Card FX markup — C6 Bank: 4.00%; Up Bank: Interbank. Up 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, C6 Bank or Up Bank?
C6 Bank holds a Full bank licence under BACEN; deposit guarantee per depositor: €250,000. Up Bank holds a Payment inst. licence under PRA; deposit guarantee per depositor: Safeguarded. C6 Bank is the stronger pick on regulatory protection.
Where can I use C6 Bank and Up Bank?
C6 Bank operates in 1 country; Up 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.