Klar vs BHub.
Klar (K50/100) 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. A close tie.
| B BHub №85 · BACEN 44 /100 | K Klar №76 · CNBV 50 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 45 /100 | 50 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €350 /mo | €0 Free tier |
| FX markup Debit card abroad | 1.50% | 2.00% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Payment inst. BACEN | Payment inst. CNBV |
| Deposit guarantee Per depositor | Safeguarded BR.FGC | Safeguarded MX.IPAB |
| 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 4.3 |
| 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 Klar if…
Mexican challenger neobank under SOFIPO licence (CNBV). Credit-card-led — competes with Stori for the underbanked-credit segment. SOFIPOs have limited IPAB cover compared to full banks (instituciones de banca múltiple).
- Best for fees Tied
- Best for protection Tied
- Best for reach Tied
- Best for ux BHub won 1 of 2
Klar vs BHub — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is BHub better than Klar?
BHub and Klar are tied 2–2 across 12 dimensions under our v3 methodology. Composite scores: BHub 44/100 vs Klar 50/100. The right pick depends on which dimension you weight most heavily.
Is BHub or Klar cheaper?
Monthly fee — BHub: €350; Klar: €0. Card FX markup — BHub: 1.50%; Klar: 2.00%. Tied across fee rows. See the Fees section of the matrix above for ATM caps and the rest.
Which is safer for deposits, BHub or Klar?
BHub holds a Payment inst. licence under BACEN; deposit guarantee per depositor: Safeguarded. Klar holds a Payment inst. licence under CNBV; deposit guarantee per depositor: Safeguarded. Both score equally on regulatory protection rows.
Where can I use BHub and Klar?
BHub operates in 1 country; Klar 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.