Nubank vs Cora.
Nubank (N72/100) and Cora (C51/100), 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 Cora 8-1.
| C Cora №71 · BACEN 51 /100 | N Nubank №27 · BACEN 72 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 51 /100 | 72 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 1.50% | 4.00% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Payment inst. BACEN | Full bank BACEN |
| Deposit guarantee Per depositor | Safeguarded BR.FGC | €250,000 BR.FGC |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 3 countries |
| Crypto Coins available | No | 5 coins |
| Stocks & ETFs Self-directed | No | Yes |
| UX | ||
| Trustpilot Customer score | — | 3.1 ★ 2k reviews |
| App store iOS + Android avg | 4.5 ★ iOS 4.6 · And 4.5 | 4.8 ★ iOS 4.9 · And 4.8 |
| Read review → | Read review → | |
Pick Cora if…
Brazilian SMB neobank with the strongest working-capital credit-line product among BACEN payment institutions. Cora Crédito underwrites loans on bank-statement signal — same model as Mercado Crédito but without the marketplace-flow dependency. Free Conta PJ keeps customer-acquisition friction low; credit-line draws generate the revenue. Backed by ~$230M from Tiger Global, Greenoaks Capital, others. ~300K BR business accounts.
Pick Nubank if…
Pick if you bank in Brazil and want the dominant local digital bank with full BACEN supervision.
- Best for fees Cora won 1 of 4
- Best for protection Nubank won 2 of 2
- Best for reach Nubank won 3 of 3
- Best for ux Nubank won 2 of 2
Nubank vs Cora — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Cora better than Nubank?
Under our v3 methodology, Nubank leads Cora 8–1 across 12 dimensions. Composite scores: Cora 51/100 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 Cora or Nubank cheaper?
Monthly fee — Cora: €0; Nubank: €0. Card FX markup — Cora: 1.50%; Nubank: 4.00%. Cora 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, Cora or Nubank?
Cora holds a Payment inst. licence under BACEN; 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 Cora and Nubank?
Cora 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.