Nubank vs Wise.
Nubank (N72/100) and Wise (W68/100), 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 Wise 5-4.
| N Nubank №27 · BACEN 72 /100 | W Wise №42 · FCA 68 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 72 /100 | 68 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 /mo |
| FX markup Debit card abroad | 4.00% | Interbank |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | €200 /mo |
| Protection | ||
| Banking licence Tier | Full bank BACEN | E-money inst. FCA |
| Deposit guarantee Per depositor | €250,000 BR.FGC | Safeguarded GB.FSCS |
| Reach | ||
| Markets served Licensed jurisdictions | 3 countries | 160 countries |
| Crypto Coins available | 5 coins | No |
| Stocks & ETFs Self-directed | Yes | Yes |
| UX | ||
| Trustpilot Customer score | 3.1 ★ 2k reviews | 4.3 ★ 220k reviews |
| App store iOS + Android avg | 4.8 ★ iOS 4.9 · And 4.8 | 4.5 ★ iOS 4.7 · And 4.2 |
| 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 Wise if…
Pick if FX and multi-currency receiving accounts dominate your usage — not for stocks or crypto.
- Best for fees Wise won 2 of 4
- Best for protection Nubank won 2 of 2
- Best for reach Tied
- Best for ux Tied
Nubank vs Wise — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Nubank better than Wise?
Under our v3 methodology, Nubank leads Wise 5–4 across 12 dimensions. Composite scores: Nubank 72/100 vs Wise 68/100. 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 Wise cheaper?
Monthly fee — Nubank: €0; Wise: €0. Card FX markup — Nubank: 4.00%; Wise: Interbank. Wise wins more fee rows (2 of 4). See the Fees section of the matrix above for ATM caps and the rest.
Which is safer for deposits, Nubank or Wise?
Nubank holds a Full bank licence under BACEN; deposit guarantee per depositor: €250,000. Wise holds a E-money inst. licence under FCA; deposit guarantee per depositor: Safeguarded. Nubank is the stronger pick on regulatory protection.
Where can I use Nubank and Wise?
Nubank operates in 3 countries; Wise operates in 160 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.