K Bank vs Nubank.
K Bank (K78/100) 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 K Bank 5-3.
| K K Bank №09 · KDIC 78 /100 | N Nubank №27 · BACEN 72 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 78 /100 | 72 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | Interbank | 4.00% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Full bank KDIC | Full bank BACEN |
| Deposit guarantee Per depositor | €50,000,000 KR.KDIC | €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 4.5 · And 4.4 | 4.8 ★ iOS 4.9 · And 4.8 |
| Read review → | Read review → | |
Pick K Bank if…
Korea's first Internet-Only Bank to launch (April 2017) — predates Kakao Bank by three months. KT Corporation (Korea Telecom) is the largest shareholder, providing carrier-bundled distribution and ASEAN remittance corridors via Wirebarley. The cash-settlement counterparty for Upbit, Korea's largest crypto exchange — exposure to crypto-cycle deposit flows. Listed on KOSPI in 2024 after two shelved IPO attempts.
Pick Nubank if…
Pick if you bank in Brazil and want the dominant local digital bank with full BACEN supervision.
- Best for fees K Bank won 1 of 4
- Best for protection K Bank won 1 of 2
- Best for reach Nubank won 3 of 3
- Best for ux Nubank won 2 of 2
K Bank vs Nubank — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is K Bank better than Nubank?
Under our v3 methodology, Nubank leads K Bank 5–3 across 12 dimensions. Composite scores: K Bank 78/100 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 K Bank or Nubank cheaper?
Monthly fee — K Bank: €0; Nubank: €0. Card FX markup — K Bank: Interbank; Nubank: 4.00%. K Bank 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, K Bank or Nubank?
K Bank holds a Full bank licence under KDIC; deposit guarantee per depositor: €50,000,000. Nubank holds a Full bank licence under BACEN; deposit guarantee per depositor: €250,000. K Bank is the stronger pick on regulatory protection.
Where can I use K Bank and Nubank?
K Bank 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.