Grasshopper vs Nubank.
Grasshopper (G72/100) 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. Nubank leads Grasshopper 6-1.
| G Grasshopper №29 · OCC 72 /100 | N Nubank №27 · BACEN 72 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 72 /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 | Partner-bank OCC | Full bank BACEN |
| Deposit guarantee Per depositor | $250,000 US.FDIC | €250,000 BR.FGC |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 3 countries |
| Crypto Coins available | No | 5 coins |
| Stocks & ETFs Self-directed | No | Yes |
| UX | ||
| Trustpilot Customer score | — | 3.1 ★ 2k reviews |
| App store iOS + Android avg | 4.2 ★ iOS 4.3 · And 4.0 | 4.8 ★ iOS 4.9 · And 4.8 |
| Read review → | Read review → | |
Pick Grasshopper if…
The OCC-chartered US national bank for startups — the structural distinction from Mercury / Brex / Bluevine / Rho is that Grasshopper IS the bank. Direct FDIC cover at the chartered-bank level, multi-bank Cash Sweep extending to $25M. Free business checking with API access. The structural fit for US-incorporated startups wanting a real bank relationship rather than a partner-bank fintech.
Pick Nubank if…
Pick if you bank in Brazil and want the dominant local digital bank with full BACEN supervision.
- Best for fees Grasshopper won 1 of 4
- Best for protection Nubank won 1 of 2
- Best for reach Nubank won 3 of 3
- Best for ux Nubank won 2 of 2
Grasshopper vs Nubank — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Grasshopper better than Nubank?
Under our v3 methodology, Nubank leads Grasshopper 6–1 across 12 dimensions. Composite scores: Grasshopper 72/100 vs Nubank 72/100. Nubank is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Grasshopper or Nubank cheaper?
Monthly fee — Grasshopper: €0; Nubank: €0. Card FX markup — Grasshopper: Interbank; Nubank: 4.00%. Grasshopper 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, Grasshopper or Nubank?
Grasshopper holds a Partner-bank licence under OCC; deposit guarantee per depositor: $250,000. 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 Grasshopper and Nubank?
Grasshopper operates in 1 country; 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.