Trade Republic vs Nubank.
Trade Republic (T81/100) 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. Trade Republic leads Nubank 5-2.
| N Nubank №27 · BACEN 72 /100 | T Trade Republic №05 · BaFin 81 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 72 /100 | 81 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 4.00% | Interbank |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Full bank BACEN | Full bank BaFin |
| Deposit guarantee Per depositor | €250,000 BR.FGC | €100,000 EU.DGS.DE |
| Reach | ||
| Markets served Licensed jurisdictions | 3 countries | 17 countries |
| Crypto Coins available | 5 coins | 50 coins |
| Stocks & ETFs Self-directed | Yes | Yes |
| UX | ||
| Trustpilot Customer score | 3.1 ★ 2k reviews | 3.3 ★ 28k reviews |
| App store iOS + Android avg | 4.8 ★ iOS 4.9 · And 4.8 | 4.4 ★ iOS 4.8 · And 4.1 |
| Read review → | Read review → | |
Pick Nubank if…
Pick if you bank in Brazil and want the dominant local digital bank with full BACEN supervision.
Pick Trade Republic if…
Pick if you want the cheapest brokerage in Europe (€1/trade) and the highest interest on idle cash. Not a primary current account.
- Best for fees Trade Republic won 1 of 4
- Best for protection Nubank won 1 of 2
- Best for reach Trade Republic won 2 of 3
- Best for ux Tied
Trade Republic vs Nubank — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Nubank better than Trade Republic?
Under our v3 methodology, Trade Republic leads Nubank 5–2 across 12 dimensions. Composite scores: Nubank 72/100 vs Trade Republic 81/100. Trade Republic is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Nubank or Trade Republic cheaper?
Monthly fee — Nubank: €0; Trade Republic: €0. Card FX markup — Nubank: 4.00%; Trade Republic: Interbank. Trade Republic 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, Nubank or Trade Republic?
Nubank holds a Full bank licence under BACEN; deposit guarantee per depositor: €250,000. Trade Republic holds a Full bank licence under BaFin; deposit guarantee per depositor: €100,000. Nubank is the stronger pick on regulatory protection.
Where can I use Nubank and Trade Republic?
Nubank operates in 3 countries; Trade Republic operates in 17 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.