SoFi vs BHub.
SoFi (S79/100) and BHub (B44/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. SoFi leads BHub 8-0.
| B BHub №85 · BACEN 44 /100 | S SoFi №07 · OCC 79 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 45 /100 | 79 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €350 /mo | €0 Free tier |
| FX markup Debit card abroad | 1.50% | Interbank |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Payment inst. BACEN | Full bank OCC |
| Deposit guarantee Per depositor | Safeguarded BR.FGC | $250,000 US.FDIC |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 1 country |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | No | Yes |
| UX | ||
| Trustpilot Customer score | — | 3.6 ★ 12k reviews |
| App store iOS + Android avg | 4.4 ★ iOS 4.5 · And 4.3 | 4.7 ★ iOS 4.8 · And 4.6 |
| Read review → | Read review → | |
Pick BHub if…
Brazilian SMB BaaS combining BACEN payment-institution banking with bookkeeping + payroll + tax-filing services. The structural fit for BR startups and growth-stage SMBs that want one platform handling Simples Nacional / Lucro Presumido / Lucro Real accounting + INSS / FGTS payroll + business banking — closer to a US Bench equivalent than to Nubank PJ or Mercado Pago Empresas.
Pick SoFi if…
Pick if you want the best US savings yield from an OCC-chartered bank with a clean account experience.
- Best for fees SoFi won 2 of 4
- Best for protection SoFi won 2 of 2
- Best for reach SoFi won 1 of 3
- Best for ux SoFi won 2 of 2
SoFi vs BHub — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is BHub better than SoFi?
Under our v3 methodology, SoFi leads BHub 8–0 across 12 dimensions. Composite scores: BHub 44/100 vs SoFi 79/100. SoFi is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is BHub or SoFi cheaper?
Monthly fee — BHub: €350; SoFi: €0. Card FX markup — BHub: 1.50%; SoFi: Interbank. SoFi 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, BHub or SoFi?
BHub holds a Payment inst. licence under BACEN; deposit guarantee per depositor: Safeguarded. SoFi holds a Full bank licence under OCC; deposit guarantee per depositor: $250,000. SoFi is the stronger pick on regulatory protection.
Where can I use BHub and SoFi?
BHub operates in 1 country; SoFi 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.