Nubank vs Chipper Cash.
Nubank (N72/100) and Chipper Cash (C62/100), 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 Chipper Cash 5-2.
| C Chipper Cash №48 · FCA 62 /100 | N Nubank №27 · BACEN 72 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 62 /100 | 72 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 1.00% | 4.00% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | E-money inst. FCA | Full bank BACEN |
| Deposit guarantee Per depositor | Safeguarded NG.NDIC | €250,000 BR.FGC |
| Reach | ||
| Markets served Licensed jurisdictions | 9 countries | 3 countries |
| Crypto Coins available | 5 coins | 5 coins |
| Stocks & ETFs Self-directed | Yes | Yes |
| UX | ||
| Trustpilot Customer score | — | 3.1 ★ 2k reviews |
| App store iOS + Android avg | 4.5 ★ iOS 4.4 · And 4.5 | 4.8 ★ iOS 4.9 · And 4.8 |
| Read review → | Read review → | |
Pick Chipper Cash if…
Pan-African EMI — operates in 9+ African countries + UK + US. Multi-jurisdiction licensing means no single full-bank protection. ~5M users. Backed by Bezos Expeditions, Tiger Global. Anchors the pan-African angle alongside Mukuru.
Pick Nubank if…
Pick if you bank in Brazil and want the dominant local digital bank with full BACEN supervision.
- Best for fees Chipper Cash won 1 of 4
- Best for protection Nubank won 2 of 2
- Best for reach Chipper Cash won 1 of 3
- Best for ux Nubank won 2 of 2
Nubank vs Chipper Cash — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Chipper Cash better than Nubank?
Under our v3 methodology, Nubank leads Chipper Cash 5–2 across 12 dimensions. Composite scores: Chipper Cash 62/100 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 Chipper Cash or Nubank cheaper?
Monthly fee — Chipper Cash: €0; Nubank: €0. Card FX markup — Chipper Cash: 1.00%; Nubank: 4.00%. Chipper Cash 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, Chipper Cash or Nubank?
Chipper Cash holds a E-money inst. licence under FCA; deposit guarantee per depositor: Safeguarded. 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 Chipper Cash and Nubank?
Chipper Cash operates in 9 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.