Nubank vs Carbon.
Nubank (N72/100) and Carbon (C50/100), 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 Carbon 7-1.
| C Carbon №80 · CBN 50 /100 | N Nubank №27 · BACEN 72 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 50 /100 | 72 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 3.00% | 4.00% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Payment inst. CBN | Full bank BACEN |
| Deposit guarantee Per depositor | Safeguarded NG.NDIC | €250,000 BR.FGC |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 3 countries |
| Crypto Coins available | No | 5 coins |
| Stocks & ETFs Self-directed | Yes | Yes |
| UX | ||
| Trustpilot Customer score | — | 3.1 ★ 2k reviews |
| App store iOS + Android avg | 4.3 ★ iOS 4.3 · And 4.4 | 4.8 ★ iOS 4.9 · And 4.8 |
| Read review → | Read review → | |
Pick Carbon if…
Nigerian credit-led digital bank (formerly Paylater). CBN microfinance bank charter — same regulatory tier as Kuda/OPay (₦2M NDIC microfinance ceiling, not ₦5M DMB full-bank). Credit-line access is the structural differentiator vs. spending-account-led Kuda.
Pick Nubank if…
Pick if you bank in Brazil and want the dominant local digital bank with full BACEN supervision.
- Best for fees Carbon won 1 of 4
- Best for protection Nubank won 2 of 2
- Best for reach Nubank won 2 of 3
- Best for ux Nubank won 2 of 2
Nubank vs Carbon — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Carbon better than Nubank?
Under our v3 methodology, Nubank leads Carbon 7–1 across 12 dimensions. Composite scores: Carbon 50/100 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 Carbon or Nubank cheaper?
Monthly fee — Carbon: €0; Nubank: €0. Card FX markup — Carbon: 3.00%; Nubank: 4.00%. Carbon 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, Carbon or Nubank?
Carbon holds a Payment inst. licence under CBN; 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 Carbon and Nubank?
Carbon operates in 1 country; 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.