Nubank vs Cash App.
Nubank (N72/100) and Cash App (C70/100), 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 Cash App 6-1.
| C Cash App №31 · FDIC 70 /100 | N Nubank №27 · BACEN 72 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 70 /100 | 72 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | Interbank | 4.00% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Partner-bank FDIC | Full bank BACEN |
| Deposit guarantee Per depositor | $250,000 US.FDIC | €250,000 BR.FGC |
| Reach | ||
| Markets served Licensed jurisdictions | 2 countries | 3 countries |
| Crypto Coins available | 1 coins | 5 coins |
| Stocks & ETFs Self-directed | Yes | Yes |
| UX | ||
| Trustpilot Customer score | 1.6 ★ 50k reviews | 3.1 ★ 2k reviews |
| App store iOS + Android avg | 4.8 ★ iOS 4.8 · And 4.7 | 4.8 ★ iOS 4.9 · And 4.8 |
| Read review → | Read review → | |
Pick Cash App if…
The largest US peer-to-peer payments + neobank hybrid by user count (~50M monthly actives). Block-owned, public via NYSE:XYZ. Bitcoin-native — was the first major US fintech to integrate BTC buy/sell. Partner-bank model via Sutton Bank means FDIC pass-through, not direct charter cover.
Pick Nubank if…
Pick if you bank in Brazil and want the dominant local digital bank with full BACEN supervision.
- Best for fees Cash App won 1 of 4
- Best for protection Nubank won 1 of 2
- Best for reach Nubank won 2 of 3
- Best for ux Nubank won 2 of 2
Nubank vs Cash App — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Cash App better than Nubank?
Under our v3 methodology, Nubank leads Cash App 6–1 across 12 dimensions. Composite scores: Cash App 70/100 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 Cash App or Nubank cheaper?
Monthly fee — Cash App: €0; Nubank: €0. Card FX markup — Cash App: Interbank; Nubank: 4.00%. Cash App 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, Cash App or Nubank?
Cash App holds a Partner-bank licence under FDIC; deposit guarantee per depositor: $250,000. Nubank holds a Full bank licence under BACEN; deposit guarantee per depositor: €250,000. Nubank is the stronger pick on regulatory protection.
Where can I use Cash App and Nubank?
Cash App operates in 2 countries; 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.