Nubank vs Trust Bank.
Nubank (N72/100) and Trust Bank (T52/100), 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 Trust Bank 8-1.
| N Nubank №27 · BACEN 72 /100 | T Trust Bank №67 · MAS 52 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 72 /100 | 52 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 4.00% | 1.00% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Full bank BACEN | Payment inst. MAS |
| Deposit guarantee Per depositor | €250,000 BR.FGC | Safeguarded SG.SDIC |
| Reach | ||
| Markets served Licensed jurisdictions | 3 countries | 1 country |
| Crypto Coins available | 5 coins | No |
| Stocks & ETFs Self-directed | Yes | No |
| UX | ||
| Trustpilot Customer score | 3.1 ★ 2k reviews | — |
| App store iOS + Android avg | 4.8 ★ iOS 4.9 · And 4.8 | 4.7 ★ iOS 4.7 · And 4.6 |
| 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 Trust Bank if…
Singapore's third Digital Full Bank under MAS — Standard Chartered + FairPrice (NTUC) JV. SDIC cover via the DFB licence. FairPrice grocery-spending integration is unique to its parents. ~800K SG customers in first year.
- Best for fees Trust Bank 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 Trust Bank — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Nubank better than Trust Bank?
Under our v3 methodology, Nubank leads Trust Bank 8–1 across 12 dimensions. Composite scores: Nubank 72/100 vs Trust Bank 52/100. Nubank is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Nubank or Trust Bank cheaper?
Monthly fee — Nubank: €0; Trust Bank: €0. Card FX markup — Nubank: 4.00%; Trust Bank: 1.00%. Trust 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, Nubank or Trust Bank?
Nubank holds a Full bank licence under BACEN; deposit guarantee per depositor: €250,000. Trust Bank holds a Payment inst. licence under MAS; deposit guarantee per depositor: Safeguarded. Nubank is the stronger pick on regulatory protection.
Where can I use Nubank and Trust Bank?
Nubank operates in 3 countries; Trust Bank 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.