Wio vs Nubank.
Wio (W77/100) 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 Wio 4-2.
| N Nubank №27 · BACEN 72 /100 | W Wio №13 · CBUAE 77 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 72 /100 | 77 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 4.00% | Interbank |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Full bank BACEN | Full bank CBUAE |
| Deposit guarantee Per depositor | €250,000 BR.FGC | €250,000 AE.DPS |
| Reach | ||
| Markets served Licensed jurisdictions | 3 countries | 1 country |
| Crypto Coins available | 5 coins | No |
| Stocks & ETFs Self-directed | Yes | Yes |
| UX | ||
| Trustpilot Customer score | 3.1 ★ 2k reviews | — |
| App store iOS + Android avg | 4.8 ★ iOS 4.9 · And 4.8 | 4.2 ★ iOS 4.4 · And 4.0 |
| Read review → | Read review → | |
Pick Nubank if…
Pick if you bank in Brazil and want the dominant local digital bank with full BACEN supervision.
Pick Wio if…
UAE-native digital full-bank, CBUAE-licensed since 2022. Backed by ADQ + Alpha Dhabi + Mubadala + e&. Instant onboarding via Emirates ID and a multi-currency core (AED + USD + EUR + GBP) make it the strongest local-licensed competitor to Liv. and Mashreq Neo. AE DPS cover under the new UAE Deposit Protection Scheme.
- Best for fees Wio won 1 of 4
- Best for protection Tied
- Best for reach Nubank won 2 of 3
- Best for ux Nubank won 2 of 2
Wio vs Nubank — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Nubank better than Wio?
Under our v3 methodology, Nubank leads Wio 4–2 across 12 dimensions. Composite scores: Nubank 72/100 vs Wio 77/100. Nubank is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Nubank or Wio cheaper?
Monthly fee — Nubank: €0; Wio: €0. Card FX markup — Nubank: 4.00%; Wio: Interbank. Wio 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, Nubank or Wio?
Nubank holds a Full bank licence under BACEN; deposit guarantee per depositor: €250,000. Wio holds a Full bank licence under CBUAE; deposit guarantee per depositor: €250,000. Both score equally on regulatory protection rows.
Where can I use Nubank and Wio?
Nubank operates in 3 countries; Wio 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.