Meem vs Nubank PJ.
Meem (M74/100) and Nubank PJ (N53/100), 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 PJ leads Meem 5-3.
| M Meem №24 · SAMA 74 /100 | N Nubank PJ №63 · FDIC 53 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 74 /100 | 53 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 2.00% | 1.10% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Full bank SAMA | Payment inst. FDIC |
| Deposit guarantee Per depositor | €200,000 SA.SAMA-DPS | Safeguarded BR.FGC |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 3 countries |
| Crypto Coins available | No | 2 coins |
| Stocks & ETFs Self-directed | Yes | Yes |
| UX | ||
| Trustpilot Customer score | — | 3.8 ★ 50k reviews |
| App store iOS + Android avg | 4.1 ★ iOS 4.2 · And 4.0 | 4.8 ★ iOS 4.8 · And 4.7 |
| Read review → | Read review → | |
Pick Meem if…
Digital banking arm of Gulf International Bank — one of the first KSA digital-only banking offerings (launched 2014). Sharia-compliant by structure (profit-share rather than interest). SA Deposit Protection cover via the GIB licence. Distinguishes itself vs. stc Bank by depth of wealth-management access through the GIB private-banking heritage.
Pick Nubank PJ if…
Brazil's default SMB neobank — 3M+ business accounts on a free Conta PJ with PIX instant transfers, FGC-protected deposits up to BRL 250,000 per customer per institution, and Nu Invest integration for idle-cash CDB / LCI / LCA / Tesouro Direto yield. Backed by Nubank Holdings (NYSE: NU), the largest neobank in LATAM by market cap. Operating as a BACEN-supervised full financial institution under Nu Pagamentos S.A., distinguished from US / EU SMB neobanks by genuine full-bank licensing and FGC cover — deposit insurance is real, not a partner-bank pass-through.
- Best for fees Nubank PJ won 1 of 4
- Best for protection Meem won 2 of 2
- Best for reach Nubank PJ won 2 of 3
- Best for ux Nubank PJ won 2 of 2
Meem vs Nubank PJ — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Meem better than Nubank PJ?
Under our v3 methodology, Nubank PJ leads Meem 5–3 across 12 dimensions. Composite scores: Meem 74/100 vs Nubank PJ 53/100. Nubank PJ is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Meem or Nubank PJ cheaper?
Monthly fee — Meem: €0; Nubank PJ: €0. Card FX markup — Meem: 2.00%; Nubank PJ: 1.10%. Nubank PJ 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, Meem or Nubank PJ?
Meem holds a Full bank licence under SAMA; deposit guarantee per depositor: €200,000. Nubank PJ holds a Payment inst. licence under FDIC; deposit guarantee per depositor: Safeguarded. Meem is the stronger pick on regulatory protection.
Where can I use Meem and Nubank PJ?
Meem operates in 1 country; Nubank PJ 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.