Nubank vs Nubank PJ.
Nubank (N72/100) 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 leads Nubank PJ 5-2.
| N Nubank №27 · BACEN 72 /100 | N Nubank PJ №63 · FDIC 53 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 72 /100 | 53 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 4.00% | 1.10% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Full bank BACEN | Payment inst. FDIC |
| Deposit guarantee Per depositor | €250,000 BR.FGC | Safeguarded BR.FGC |
| Reach | ||
| Markets served Licensed jurisdictions | 3 countries | 3 countries |
| Crypto Coins available | 5 coins | 2 coins |
| Stocks & ETFs Self-directed | Yes | Yes |
| UX | ||
| Trustpilot Customer score | 3.1 ★ 2k reviews | 3.8 ★ 50k reviews |
| App store iOS + Android avg | 4.8 ★ iOS 4.9 · And 4.8 | 4.8 ★ iOS 4.8 · And 4.7 |
| 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 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.
- Best for fees Nubank PJ won 1 of 4
- Best for protection Nubank won 2 of 2
- Best for reach Nubank won 1 of 3
- Best for ux Tied
Nubank vs Nubank PJ — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Nubank better than Nubank PJ?
Under our v3 methodology, Nubank leads Nubank PJ 5–2 across 12 dimensions. Composite scores: Nubank 72/100 vs Nubank PJ 53/100. 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 Nubank PJ cheaper?
Monthly fee — Nubank: €0; Nubank PJ: €0. Card FX markup — Nubank: 4.00%; Nubank PJ: 1.10%. Nubank PJ 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 Nubank PJ?
Nubank holds a Full bank licence under BACEN; deposit guarantee per depositor: €250,000. Nubank PJ holds a Payment inst. licence under FDIC; deposit guarantee per depositor: Safeguarded. Nubank is the stronger pick on regulatory protection.
Where can I use Nubank and Nubank PJ?
Nubank operates in 3 countries; Nubank PJ 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.