Nubank vs Opay.
Nubank (N72/100) and Opay (O58/100), 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 Opay 6-2.
| N Nubank №27 · BACEN 72 /100 | O Opay №54 · CBN 58 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 72 /100 | 58 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 4.00% | Interbank |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Full bank BACEN | E-money inst. CBN |
| Deposit guarantee Per depositor | €250,000 BR.FGC | Safeguarded NG.NDIC |
| Reach | ||
| Markets served Licensed jurisdictions | 3 countries | 5 countries |
| Crypto Coins available | 5 coins | No |
| Stocks & ETFs Self-directed | Yes | Yes |
| UX | ||
| Trustpilot Customer score | 3.1 ★ 2k reviews | 1.5 ★ 5k reviews |
| App store iOS + Android avg | 4.8 ★ iOS 4.9 · And 4.8 | 4.5 ★ iOS 4.4 · And 4.5 |
| Read review → | Read review → | |
Pick Nubank if…
Pick if you bank in Brazil and want the dominant local digital bank with full BACEN supervision.
Pick Opay if…
Largest Nigerian mobile-money + neobank hybrid by user count (~50M+). Saudi Aramco-affiliated investor backed. OBank subsidiary holds the bank licence; OPay wallet sits on top. Aggressive cross-EM expansion (Egypt, Pakistan announced). The Nigerian mobile-money rail leader.
- Best for fees Opay won 1 of 4
- Best for protection Nubank won 2 of 2
- Best for reach Tied
- Best for ux Nubank won 2 of 2
Nubank vs Opay — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Nubank better than Opay?
Under our v3 methodology, Nubank leads Opay 6–2 across 12 dimensions. Composite scores: Nubank 72/100 vs Opay 58/100. Nubank is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Nubank or Opay cheaper?
Monthly fee — Nubank: €0; Opay: €0. Card FX markup — Nubank: 4.00%; Opay: Interbank. Opay 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 or Opay?
Nubank holds a Full bank licence under BACEN; deposit guarantee per depositor: €250,000. Opay holds a E-money inst. licence under CBN; deposit guarantee per depositor: Safeguarded. Nubank is the stronger pick on regulatory protection.
Where can I use Nubank and Opay?
Nubank operates in 3 countries; Opay operates in 5 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.