Nubank
nubank.com.brBuild Difficulty: 4/5
A few focused days to build a solid replacement
100 milhões de clientes. Nenhum deles na fila
How to Replace NubankOverview
Features
21 features across 13 categories
Banking(3)
Credit card and checking account options for underage customers
Digital checking account integrated with the Nubank app
Debit card with no issuance fees integrated with checking account
Business Credit(1)
Business credit card without annual fees, international and personalized for companies
Credit Products(2)
Standard credit card without annual fees and abusive charges
Black credit card generating from 2.2 points per dollar spent or 1.25% cashback on credit purchases
International Banking(1)
Credit card purchases and withdrawals in foreign currency with specified exchange rates and fees
Investments(2)
Investment platform and services for Nubank customers
Virtual assets and cryptocurrency services
Lending(1)
Personal loan product starting from 0.95% monthly interest rate
Membership(1)
Premium package with additional benefits and services
Payment Processing(3)
Payment link solution for merchants with 1-day settlement and tiered fees
Payment processing solution with lowest fees among Nubank payment products
Payment acceptance solution for merchants with tiered fees based on payment method and installments
Payments(3)
Bill payment functionality with no fees
Instant money transfer service with no fees
Electronic transfer of funds with no fees
Savings & Goals(1)
Organized savings tool to set aside money according to financial goals
Security(1)
Complete support and protection systems for customer money and accounts
Support(1)
Multiple support channels including phone, ombudsman, and online portal
Telecommunications(1)
Telecommunications service integrated within Nubank platform
Pricing
Nubank Account
Popular- ✓Account maintenance with zero fees
- ✓Pix transfers with zero fees
- ✓TED transfers with zero fees
- ✓Boleto deposits with zero fees
- ✓Debit card issuance with zero fees
- ✓ATM withdrawals R$6.50 per transaction
Nubank Credit Card
Popular- ✓No annual fee
- ✓No abusive charges
- ✓Rotating credit interest 2.75% - 19.99% per month
- ✓Installment interest 0.99% - 19.75% per month
- ✓Delay fees from 1.99% - 20.99% per month
- ✓Late payment fee 2%
- ✓Cash advance interest 9.75% per month
- ✓Foreign exchange reference PTAX + 4% with IOF 3.5%
Nubank Ultravioleta
- ✓Black credit card
- ✓2.2 points per dollar spent or 1.25% cashback
- ✓Monthly fee R$89.00
- ✓Zero fees for bill payments
- ✓Zero fees for credit card cash advances
- ✓Zero fees for emergency credit evaluation (overlimit)
- ✓Zero fees for 2nd card issuance
Nubank+ Package
- ✓Premium membership package
- ✓Additional benefits and services
Nu Empresas Account
Popular- ✓Account maintenance with zero fees
- ✓TED transfers with zero fees
- ✓Pix transfers with zero fees
- ✓Debit card issuance with zero fees
- ✓Boleto deposits with zero fees
- ✓Boleto collection R$0.90 per paid boleto
- ✓Debit card withdrawals R$6.50 per transaction
Nu Empresas Credit Card
Popular- ✓No annual fee
- ✓International and personalized for companies
- ✓Zero fees for bill payments
- ✓Zero fees for credit card cash advances
- ✓Zero fees for emergency credit evaluation
- ✓Zero fees for 2nd card issuance
- ✓Rotating credit interest 2.75% - 19.99% per month
- ✓Installment interest 0.99% - 19.75% per month
Tap to Pay
- ✓Zero setup cost
- ✓Zero maintenance cost
- ✓Pix via Nu Empresas account with zero fee
- ✓Debit 0.89%
- ✓Credit at sight 3.09%
- ✓Credit in 2x 5.79%
- ✓Credit in 3x 6.09%
- ✓Credit in 4x 7.99%
- ✓Credit in 5x 8.09%
- ✓Credit in 6x 8.19%
- ✓Credit in 7x 9.49%
- ✓Credit in 8x 9.68%
- ✓Credit in 9x 10.37%
- ✓Credit in 10x 11.05%
- ✓Credit in 11x 12.27%
- ✓Credit in 12x 12.38%
Link de Pagamento (1-day settlement)
- ✓Zero setup cost
- ✓Zero maintenance cost
- ✓Credit at sight 4.20%
- ✓Credit in 2x 6.09%
- ✓Credit in 3x 7.01%
- ✓Credit in 4x 7.91%
- ✓Credit in 5x 8.80%
- ✓Credit in 6x 9.67%
- ✓Credit in 7x 12.59%
- ✓Credit in 8x 13.42%
- ✓Credit in 9x 14.25%
- ✓Credit in 10x 15.06%
- ✓Credit in 11x 15.87%
- ✓Credit in 12x 16.66%
NuPay
- ✓Zero setup cost
- ✓Zero maintenance cost
- ✓Credit at sight 2.69%
- ✓Credit in 2x 3.99%
- ✓Credit in 3x 4.99%
- ✓Credit in 4x 5.99%
- ✓Credit in 5x 6.69%
- ✓Credit in 6x 7.39%
- ✓Credit in 7x 7.99%
- ✓Credit in 8x 8.69%
- ✓Credit in 9x 9.29%
- ✓Credit in 10x 9.99%
- ✓Credit in 11x 10.49%
- ✓Credit in 12x 10.99%
Personal Loan
- ✓Interest starting from 0.95% per month
Cost Calculator
Keep Paying Nubank
Build It Yourself
Total Cost Comparison
DIY hosting estimate based on Vercel + Supabase free/pro tiers (~$20/mo). Build time estimated from 21 features at easy complexity.
Build vs Buy
Should you build a Nubank alternative or buy the subscription? Estimate based on 21 features.
Buy Nubank
Build Your Own
Better ValueBuilding could save ~$13,560 over 3 years.
Estimates based on 21 features and a BuildScore of 4/5. Actual costs vary.