Rho vs Nubank PJ.
Rho (R73/100) 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 Rho 5-4.
| N Nubank PJ №63 · FDIC 53 /100 | R Rho №25 · FDIC 73 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 53 /100 | 73 /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 | Partner-bank FDIC |
| Deposit guarantee Per depositor | Safeguarded BR.FGC | $250,000 US.FDIC |
| Reach | ||
| Markets served Licensed jurisdictions | 3 countries | 1 country |
| Crypto Coins available | 2 coins | No |
| Stocks & ETFs Self-directed | Yes | No |
| 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 Rho if…
The mid-market US business banking platform that pairs a free FDIC-insured operating account with corporate cards and AP automation in one stack — multi-entity consolidation as a first-class feature. The deposit story (sweep up to $75M via Webster Bank + partner-bank network) is the structural anchor that distinguishes Rho from charge-card-led competitors (Ramp, Brex) where the deposit account is secondary or beta.
- Best for fees Rho won 1 of 4
- Best for protection Rho won 2 of 2
- Best for reach Nubank PJ won 3 of 3
- Best for ux Nubank PJ won 2 of 2
Rho 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 Rho?
Under our v3 methodology, Nubank PJ leads Rho 5–4 across 12 dimensions. Composite scores: Nubank PJ 53/100 vs Rho 73/100. Nubank PJ is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Nubank PJ or Rho cheaper?
Monthly fee — Nubank PJ: €0; Rho: €0. Card FX markup — Nubank PJ: 1.10%; Rho: Interbank. Rho 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 Rho?
Nubank PJ holds a Payment inst. licence under FDIC; deposit guarantee per depositor: Safeguarded. Rho holds a Partner-bank licence under FDIC; deposit guarantee per depositor: $250,000. Rho is the stronger pick on regulatory protection.
Where can I use Nubank PJ and Rho?
Nubank PJ operates in 3 countries; Rho 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.