Nubank vs Klar.
Nubank (N72/100) and Klar (K50/100), 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 Klar 8-1.
| K Klar №76 · CNBV 50 /100 | N Nubank №27 · BACEN 72 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 50 /100 | 72 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 2.00% | 4.00% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Payment inst. CNBV | Full bank BACEN |
| Deposit guarantee Per depositor | Safeguarded MX.IPAB | €250,000 BR.FGC |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 3 countries |
| Crypto Coins available | No | 5 coins |
| Stocks & ETFs Self-directed | No | Yes |
| UX | ||
| Trustpilot Customer score | — | 3.1 ★ 2k reviews |
| App store iOS + Android avg | 4.3 ★ iOS 4.4 · And 4.3 | 4.8 ★ iOS 4.9 · And 4.8 |
| Read review → | Read review → | |
Pick Klar if…
Mexican challenger neobank under SOFIPO licence (CNBV). Credit-card-led — competes with Stori for the underbanked-credit segment. SOFIPOs have limited IPAB cover compared to full banks (instituciones de banca múltiple).
Pick Nubank if…
Pick if you bank in Brazil and want the dominant local digital bank with full BACEN supervision.
- Best for fees Klar won 1 of 4
- Best for protection Nubank won 2 of 2
- Best for reach Nubank won 3 of 3
- Best for ux Nubank won 2 of 2
Nubank vs Klar — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Klar better than Nubank?
Under our v3 methodology, Nubank leads Klar 8–1 across 12 dimensions. Composite scores: Klar 50/100 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 Klar or Nubank cheaper?
Monthly fee — Klar: €0; Nubank: €0. Card FX markup — Klar: 2.00%; Nubank: 4.00%. Klar 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, Klar or Nubank?
Klar holds a Payment inst. licence under CNBV; 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 Klar and Nubank?
Klar operates in 1 country; 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.