Conta Azul vs BHub.
Conta Azul (C45/100) and BHub (B44/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. Conta Azul leads BHub 2-1.
| B BHub №85 · BACEN 44 /100 | C Conta Azul №83 · BACEN 45 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 45 /100 | 45 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €350 /mo | €89 /mo |
| FX markup Debit card abroad | 1.50% | Interbank |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Payment inst. BACEN | Payment inst. BACEN |
| Deposit guarantee Per depositor | Safeguarded BR.FGC | Safeguarded BR.FGC |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 1 country |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | No | No |
| UX | ||
| Trustpilot Customer score | — | — |
| App store iOS + Android avg | 4.4 ★ iOS 4.5 · And 4.3 | 4.3 ★ iOS 4.4 · And 4.2 |
| Read review → | Read review → | |
Pick BHub if…
Brazilian SMB BaaS combining BACEN payment-institution banking with bookkeeping + payroll + tax-filing services. The structural fit for BR startups and growth-stage SMBs that want one platform handling Simples Nacional / Lucro Presumido / Lucro Real accounting + INSS / FGTS payroll + business banking — closer to a US Bench equivalent than to Nubank PJ or Mercado Pago Empresas.
Pick Conta Azul if…
BR accounting-first platform with the longest operating history in the SMB accounting category (14+ years). Recently expanded into integrated banking via BACEN payment-institution licence — Conta Azul Conta as a workflow extension of the accounting platform. The structural fit for BR Contador-mediated SMBs where the accounting workflow is the operational anchor and banking is the bolt-on, rather than BHub's banking-first integrated approach.
- Best for fees Conta Azul won 2 of 4
- Best for protection Tied
- Best for reach Tied
- Best for ux BHub won 1 of 2
Conta Azul vs BHub — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is BHub better than Conta Azul?
Under our v3 methodology, Conta Azul leads BHub 2–1 across 12 dimensions. Composite scores: BHub 44/100 vs Conta Azul 45/100. Conta Azul is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is BHub or Conta Azul cheaper?
Monthly fee — BHub: €350; Conta Azul: €89. Card FX markup — BHub: 1.50%; Conta Azul: Interbank. Conta Azul wins more fee rows (2 of 4). See the Fees section of the matrix above for ATM caps and the rest.
Which is safer for deposits, BHub or Conta Azul?
BHub holds a Payment inst. licence under BACEN; deposit guarantee per depositor: Safeguarded. Conta Azul holds a Payment inst. licence under BACEN; deposit guarantee per depositor: Safeguarded. Both score equally on regulatory protection rows.
Where can I use BHub and Conta Azul?
BHub operates in 1 country; Conta Azul 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.