Cora vs BHub.
Cora (C51/100) and BHub (B44/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. Cora leads BHub 3-0.
| B BHub №85 · BACEN 44 /100 | C Cora №71 · BACEN 51 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 45 /100 | 51 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €350 /mo | €0 Free tier |
| FX markup Debit card abroad | 1.50% | 1.50% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Payment inst. BACEN | Payment inst. BACEN |
| Deposit guarantee Per depositor | Safeguarded BR.FGC | Safeguarded BR.FGC |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 1 country |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | No | No |
| UX | ||
| Trustpilot Customer score | — | — |
| App store iOS + Android avg | 4.4 ★ iOS 4.5 · And 4.3 | 4.5 ★ iOS 4.6 · And 4.5 |
| Read review → | Read review → | |
Pick BHub if…
Brazilian SMB BaaS combining BACEN payment-institution banking with bookkeeping + payroll + tax-filing services. The structural fit for BR startups and growth-stage SMBs that want one platform handling Simples Nacional / Lucro Presumido / Lucro Real accounting + INSS / FGTS payroll + business banking — closer to a US Bench equivalent than to Nubank PJ or Mercado Pago Empresas.
Pick Cora if…
Brazilian SMB neobank with the strongest working-capital credit-line product among BACEN payment institutions. Cora Crédito underwrites loans on bank-statement signal — same model as Mercado Crédito but without the marketplace-flow dependency. Free Conta PJ keeps customer-acquisition friction low; credit-line draws generate the revenue. Backed by ~$230M from Tiger Global, Greenoaks Capital, others. ~300K BR business accounts.
- Best for fees Cora won 1 of 4
- Best for protection Tied
- Best for reach Tied
- Best for ux Cora won 1 of 2
Cora vs BHub — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is BHub better than Cora?
Under our v3 methodology, Cora leads BHub 3–0 across 12 dimensions. Composite scores: BHub 44/100 vs Cora 51/100. Cora is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is BHub or Cora cheaper?
Monthly fee — BHub: €350; Cora: €0. Card FX markup — BHub: 1.50%; Cora: 1.50%. Cora 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, BHub or Cora?
BHub holds a Payment inst. licence under BACEN; deposit guarantee per depositor: Safeguarded. Cora holds a Payment inst. licence under BACEN; deposit guarantee per depositor: Safeguarded. Both score equally on regulatory protection rows.
Where can I use BHub and Cora?
BHub operates in 1 country; Cora 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.