Head-to-head · Neobank Apps
Rakuten Bank vs Nubank
Rakuten Bank leads on 0 checks, Nubank on 0, and 3 are even. Who comes out ahead on the 3 yes/no, price and count checks where we have data for both products. The editor score weighs everything else too.
Our verdict
- Highest scoreRakuten Bank · 8.5/10
- Free planboth
- Most featuresRakuten Bank · 2 of 3
Rakuten Bank scores higher on our rubric for neobank apps: 8.5 against 8.4 out of 10; our editors rank them #7 and #8.
Rakuten Bank is the better fit for japan-based users seeking yen and foreign-currency banking. Nubank is the better fit for brazilian users who use Pix and savings goals.
- Rakuten Bank fits best
Japan-based users seeking yen and foreign-currency banking
- Nubank fits best
Brazilian users who use Pix and savings goals
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Side by side
| Feature | Rakuten Bank 8.5/10 Visit ↗ | Nubank 8.4/10 Visit ↗ |
|---|---|---|
| At a glance | ||
| Editor score | 8.5 | 8.4 |
| Ranking | #7 in Neobank Apps | #8 in Neobank Apps |
| Best for | Japan-based users seeking yen and foreign-currency banking | Brazilian users who use Pix and savings goals |
| Pricing model | Free | Free |
| Starting price | Free plan | Free plan |
| Free plan | ✓ | ✓ |
| Free trial | — | — |
| Deployment | Cloud, Mobile | Mobile |
| Platforms | Web, iOS, Android | iOS, Android |
| Support | Live chat | Live chat, Phone |
| Built for | Solo, Small business | Solo |
| Features Rakuten Bank 2/3 · Nubank 0/3 | ||
| Early pay access | Not checked yet | Not checked yet |
| Cash deposit support | ✓ (best) | Not checked yet |
| International transfers | ✓ (best) | Not checked yet |
| Specs | ||
| Account scope | Both | Not checked yet |
| Savings yield | 0.50% annual before tax for ordinary deposits (as of 2026-11-02); higher rates may require eligibility or linked services | Not checked yet |
| Supported currencies | Not checked yet | Not checked yet |
| Our review | ||
| Pros |
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| Cons |
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| Our verdict | Rakuten Bank is a Japanese online bank for individuals who want everyday yen banking alongside access to foreign-currency deposits and international remittances. Its web, iOS, and Android options cover account activity, including balance… Read the review → |
Nubank is a digital financial-services provider in Brazil, with a mobile account for receiving, transferring and spending money. Its free basic account is suited to people who want Pix, bill payments and savings organized around goals in… Read the review → |
Strengths and trade-offs
Rakuten Bank — where it wins
- Personal yen accounts support domestic and scheduled transfers.
- Offers foreign-currency deposits and international remittances for eligible holders.
- Integrates with Rakuten Securities and Rakuten Card.
Where it doesn't
- Transaction fees may apply even though standard account maintenance is free.
- International remittances are limited to eligible personal-account holders.
- Account eligibility and service availability may depend on residency and other conditions.
Nubank — where it wins
- Free account supports Pix transfers, payments and bill payments
- Caixinhas organize savings goals and link to fixed-income options
- Available on iOS and Android, with chat and phone support
Where it doesn't
- Debit card must be requested through the app
- Credit products require separate approval
- Cash withdrawals and some other account-linked services may have fees
- Rakuten Bank8.5/10 · Free plan
A free-to-open Japanese online bank for everyday yen banking and remittances.
Visit Rakuten BankFull verdict → - Nubank8.4/10 · Free plan
Nubank pairs everyday Pix payments with goal-based savings in a free mobile account.
Visit NubankFull verdict →
Rakuten Bank vs Nubank: questions
Which is better for neobank apps, Rakuten Bank or Nubank?
Rakuten Bank scores higher on our rubric for neobank apps: 8.5 against 8.4 out of 10; our editors rank them #7 and #8.
How do Rakuten Bank and Nubank compare?
All 3 checks we put side by side come out level: neither leads on any.
Do Rakuten Bank and Nubank have a free plan?
Rakuten Bank: Yes. Nubank: Yes.
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Reviewed by iTechGuides Editors · Editorial team · Updated Nov 2026
Last updated · How we research and update