Nubank vs Qonto.
Nubank (N72/100) and Qonto (Q51/100), 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 Qonto 7-3.
| N Nubank №27 · BACEN 72 /100 | Q Qonto №70 · Payment institution license 51 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 72 /100 | 51 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €9 /mo |
| FX markup Debit card abroad | 4.00% | 1.70% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Full bank BACEN | Payment inst. |
| Deposit guarantee Per depositor | €250,000 BR.FGC | Safeguarded EU.DGS.FR |
| Reach | ||
| Markets served Licensed jurisdictions | 3 countries | 8 countries |
| Crypto Coins available | 5 coins | No |
| Stocks & ETFs Self-directed | Yes | No |
| UX | ||
| Trustpilot Customer score | 3.1 ★ 2k reviews | 4.8 ★ 50k reviews |
| App store iOS + Android avg | 4.8 ★ iOS 4.9 · And 4.8 | 4.5 ★ iOS 4.8 · And 4.3 |
| 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 Qonto if…
Pick if you run an EU SME and need multi-currency invoicing, accounting integrations, and proper receipts.
- Best for fees Tied
- Best for protection Nubank won 2 of 2
- Best for reach Nubank won 2 of 3
- Best for ux Tied
Nubank vs Qonto — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Nubank better than Qonto?
Under our v3 methodology, Nubank leads Qonto 7–3 across 12 dimensions. Composite scores: Nubank 72/100 vs Qonto 51/100. 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 Qonto cheaper?
Monthly fee — Nubank: €0; Qonto: €9. Card FX markup — Nubank: 4.00%; Qonto: 1.70%. Tied across fee rows. See the Fees section of the matrix above for ATM caps and the rest.
Which is safer for deposits, Nubank or Qonto?
Nubank holds a Full bank licence under BACEN; deposit guarantee per depositor: €250,000. Qonto holds a Payment inst. licence under Payment institution license (France, 2018); EU passport across served markets; filed for full French banking license in July 2025; deposit guarantee per depositor: Safeguarded. Nubank is the stronger pick on regulatory protection.
Where can I use Nubank and Qonto?
Nubank operates in 3 countries; Qonto operates in 8 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.