Nubank vs TymeBank.
Nubank (N72/100) and TymeBank (T50/100), 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 TymeBank 8-1.
| N Nubank №27 · BACEN 72 /100 | T TymeBank №73 · SARB 50 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 72 /100 | 50 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 4.00% | 2.00% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Full bank BACEN | Payment inst. SARB |
| Deposit guarantee Per depositor | €250,000 BR.FGC | Safeguarded ZA.CODI |
| 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 | 4.3 ★ iOS 4.4 · And 4.3 |
| 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 TymeBank if…
First South African full-bank digital launch (2018). Tyme Group's flagship product — the same operator behind GoTyme (PH). Pick n Pay + Boxer in-store card kiosks differentiate vs. all-app competitors. SARB-regulated full bank, CODI ZAR 100,000 cover. ~9M ZA customers.
- Best for fees TymeBank 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 TymeBank — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Nubank better than TymeBank?
Under our v3 methodology, Nubank leads TymeBank 8–1 across 12 dimensions. Composite scores: Nubank 72/100 vs TymeBank 50/100. 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 TymeBank cheaper?
Monthly fee — Nubank: €0; TymeBank: €0. Card FX markup — Nubank: 4.00%; TymeBank: 2.00%. TymeBank 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 TymeBank?
Nubank holds a Full bank licence under BACEN; deposit guarantee per depositor: €250,000. TymeBank holds a Payment inst. licence under SARB; deposit guarantee per depositor: Safeguarded. Nubank is the stronger pick on regulatory protection.
Where can I use Nubank and TymeBank?
Nubank operates in 3 countries; TymeBank 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.