bunq vs Nubank.
bunq (b87/100) and Nubank (N72/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. A close tie.
| b bunq №02 · DNB 87 /100 | N Nubank №27 · BACEN 72 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 87 /100 | 72 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | Interbank | 4.00% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Full bank DNB | Full bank BACEN |
| Deposit guarantee Per depositor | €100,000 EU.DGS.NL | €250,000 BR.FGC |
| Reach | ||
| Markets served Licensed jurisdictions | 30 countries | 3 countries |
| Crypto Coins available | No | 5 coins |
| Stocks & ETFs Self-directed | No | Yes |
| UX | ||
| Trustpilot Customer score | 4.2 ★ 22k reviews | 3.1 ★ 2k reviews |
| App store iOS + Android avg | — | 4.8 ★ iOS 4.9 · And 4.8 |
| Read review → | Read review → | |
Pick bunq if…
Pick if you travel constantly and want unlimited free FX with a Dutch licence — €3.99/mo for the Easy Bank tier.
Pick Nubank if…
Pick if you bank in Brazil and want the dominant local digital bank with full BACEN supervision.
- Best for fees bunq won 1 of 4
- Best for protection Nubank won 1 of 2
- Best for reach Nubank won 2 of 3
- Best for ux Tied
bunq vs Nubank — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is bunq better than Nubank?
bunq and Nubank are tied 4–4 across 12 dimensions under our v3 methodology. Composite scores: bunq 87/100 vs Nubank 72/100. The right pick depends on which dimension you weight most heavily.
Is bunq or Nubank cheaper?
Monthly fee — bunq: €0; Nubank: €0. Card FX markup — bunq: Interbank; Nubank: 4.00%. bunq 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, bunq or Nubank?
bunq holds a Full bank licence under DNB; deposit guarantee per depositor: €100,000. Nubank holds a Full bank licence under BACEN; deposit guarantee per depositor: €250,000. Nubank is the stronger pick on regulatory protection.
Where can I use bunq and Nubank?
bunq operates in 30 countries; Nubank operates in 3 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.