Nubank review
Updated October 12, 2026 · DebitCue Editorial Team
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Our verdict
Nubank keeps its narrow focus on credit cards, accounts and everyday money organisation with travel oriented choices and Ultravioleta. For travellers and organised savers, it combines mobile control, goal linked saving, instant payments and a benefits programme without complications or small print.
Key facts
- Best for
- Simple card centred control for travel and goals
- Currency conversion fee
- 3.5% (Source, checked September 26, 2026)
- Headquarters
- Brazil (Source, checked September 26, 2026)
- Founded
- 2013 (Source, checked September 26, 2026)
- Features
- Virtual card, Travel
- Audience
- Kids
- Official website
- nubank.com.br
Debit cards
- Monthly fee
- R$0 (Source, checked September 26, 2026)
- Currency conversion fee
- 3.5% (Source, checked September 26, 2026)
- Card type
- Debit (Source, checked September 26, 2026)
- Cashback rate
- 1.25% (Source, checked September 26, 2026)
- Card network
- Mastercard (Source, checked September 26, 2026)
- Headquarters
- Brazil (Source, checked September 26, 2026)
- Founded
- 2013 (Source, checked September 26, 2026)
- Features
- Virtual card, Travel
- Audience
- Kids
Apps and profiles
Pros and cons
Pros
- Holds credit cards and accounts together with everyday payment functions
- Offers a travel oriented card choice alongside Nubank Ultravioleta
- Organises saved money around personal goals and daily needs
- Runs NuCoin as its own benefits programme for members
Cons
- Keeps the range centred on cards and accounts without wider banking structures
- Directs saving toward goal linked organisation rather than varied account structures
Who it suits
- Travellers who want travel oriented card control
- Savers who prefer goal linked organisation
- People who want simple mobile money management
Who should look elsewhere
- People who want wide traditional bank ranges
How Nubank compares
Where Nubank is available
- Available
- Brazil, Colombia, Mexico, United States
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What products does Nubank offer?+
Nubank provides credit cards and accounts with tools for everyday money organisation. Customers can pay, receive and transfer instantly from any location. The range also supports organised saving linked to personal goals and financial help for emergencies or personal projects.
What is NuCoin?+
NuCoin is the benefits programme from Nubank for its customers. It connects cards, accounts and financial development within one experience. Members use it as part of managing everyday money and tracking continued personal financial progress.
What is Nubank Ultravioleta?+
Nubank Ultravioleta is a distinct option within the Nubank card family. It addresses different moments and appeals to people who enjoy travelling. The choice sits alongside the core credit card and account range with everyday financial control.
How does Nubank help organise money?+
Nubank gives total control of financial life without complications or small print. Saved balances stay organised around personal goals while customers manage activity from any location. Paying, receiving and transferring remain central to everyday management and oversight.
What currency conversion fee does Nubank charge?+
The currency conversion fee at Nubank is 3.5%. (Source, checked September 26, 2026)
Where is Nubank based?+
Nubank is based in Brazil. (Source, checked September 26, 2026)
When was Nubank founded?+
Nubank was founded in 2013. (Source, checked September 26, 2026)
Sources
- nubank.com.br checked September 26, 2026
Backs: Headquarters
- nubank.com.br/nu/cartao checked September 26, 2026
Backs: Card type, Features, Card network
“Cartao Nubank Mastercard - default Conta card with debit function”
- nubank.com.br/nu/conta checked September 26, 2026
Backs: Audience, Monthly fee
- nubank.com.br/ultravioleta checked September 26, 2026
Backs: Cashback rate, Currency conversion fee
- linkedin.com/company/nubank checked September 26, 2026
Backs: Founded
“Nu was born in 2013 with the mission to fight complexity and empower people in their daily lives”
Compiled from 5 source pages, checked October 13, 2026. We did not open an account.
Not confirmed yet: Annual fee, APR, Rewards type.