Nubank vs Kuda.
Nubank (N72/100) and Kuda (K60/100), 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 Kuda 7-1.
| K Kuda №50 · FCA 60 /100 | N Nubank №27 · BACEN 72 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 60 /100 | 72 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 5.00% | 4.00% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | E-money inst. FCA | Full bank BACEN |
| Deposit guarantee Per depositor | Safeguarded NG.NDIC | €250,000 BR.FGC |
| Reach | ||
| Markets served Licensed jurisdictions | 2 countries | 3 countries |
| Crypto Coins available | No | 5 coins |
| Stocks & ETFs Self-directed | Yes | Yes |
| UX | ||
| Trustpilot Customer score | 4.0 ★ 1k reviews | 3.1 ★ 2k reviews |
| App store iOS + Android avg | 4.7 ★ iOS 4.7 · And 4.6 | 4.8 ★ iOS 4.9 · And 4.8 |
| Read review → | Read review → | |
Pick Kuda if…
Largest Nigerian neobank by user count (~7M+). CBN microfinance bank charter — NDIC-insured but with the smaller microfinance-class ceiling. UK presence as Kuda Technologies adds GBP exposure for Nigerian diaspora customers. Free transfer limit (25/mo) is generous for the Nigerian market.
Pick Nubank if…
Pick if you bank in Brazil and want the dominant local digital bank with full BACEN supervision.
- Best for fees Nubank won 1 of 4
- Best for protection Nubank won 2 of 2
- Best for reach Nubank won 2 of 3
- Best for ux Tied
Nubank vs Kuda — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Kuda better than Nubank?
Under our v3 methodology, Nubank leads Kuda 7–1 across 12 dimensions. Composite scores: Kuda 60/100 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 Kuda or Nubank cheaper?
Monthly fee — Kuda: €0; Nubank: €0. Card FX markup — Kuda: 5.00%; Nubank: 4.00%. Nubank 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, Kuda or Nubank?
Kuda holds a E-money inst. licence under FCA; deposit guarantee per depositor: Safeguarded. 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 Kuda and Nubank?
Kuda operates in 2 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.