Sony Bank vs Nubank PJ.
Sony Bank (S69/100) 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 PJ leads Sony Bank 4-3.
| N Nubank PJ №63 · FDIC 53 /100 | S Sony Bank №41 · JFSA 69 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 53 /100 | 69 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 1.10% | 0.15% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Payment inst. FDIC | Full bank JFSA |
| Deposit guarantee Per depositor | Safeguarded BR.FGC | Safeguarded No DGS |
| Reach | ||
| Markets served Licensed jurisdictions | 3 countries | 1 country |
| Crypto Coins available | 2 coins | No |
| Stocks & ETFs Self-directed | Yes | Yes |
| UX | ||
| Trustpilot Customer score | 3.8 ★ 50k reviews | — |
| App store iOS + Android avg | 4.8 ★ iOS 4.8 · And 4.7 | 4.1 ★ iOS 4.2 · And 4.0 |
| Read review → | Read review → | |
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.
Pick Sony Bank if…
Japan's longest-running internet-only bank (operational since June 2001) — predates Rakuten Bank's eBank acquisition and tied with SBI Sumishin for first-net-bank tenure. The structural specificity is multi-currency forex strength: foreign-currency deposit accounts in 12+ currencies plus retail FX margin trading, the deepest retail-FX product among Japanese chartered net banks. Wholly-owned subsidiary of Sony Financial Group, in turn part of Sony Group Corporation (TYO: 6758). Sony Bank ≠ Sony Pay / Sony Mobile Wallet — the bank holds a full Banking Act licence, the wallet brands do not.
- Best for fees Sony Bank won 1 of 4
- Best for protection Sony Bank won 1 of 2
- Best for reach Nubank PJ won 2 of 3
- Best for ux Nubank PJ won 2 of 2
Sony Bank vs Nubank PJ — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Nubank PJ better than Sony Bank?
Under our v3 methodology, Nubank PJ leads Sony Bank 4–3 across 12 dimensions. Composite scores: Nubank PJ 53/100 vs Sony Bank 69/100. Nubank PJ is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Nubank PJ or Sony Bank cheaper?
Monthly fee — Nubank PJ: €0; Sony Bank: €0. Card FX markup — Nubank PJ: 1.10%; Sony Bank: 0.15%. Sony Bank 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 PJ or Sony Bank?
Nubank PJ holds a Payment inst. licence under FDIC; deposit guarantee per depositor: Safeguarded. Sony Bank holds a Full bank licence under JFSA; deposit guarantee per depositor: Safeguarded. Sony Bank is the stronger pick on regulatory protection.
Where can I use Nubank PJ and Sony Bank?
Nubank PJ operates in 3 countries; Sony Bank 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.