Nubank
Nubank: A free mobile account for everyday banking and savings goals, with credit subject to approval. Ranked #1 of 23 in Digital Banking Apps in Brazil by our editors (9.3/10); pricing: Free plan; best for everyday mobile banking with savings goals.
At a glance
- Editor score9.3 / 10
- PricingFree plan
- Best forEveryday mobile banking with savings goals
- Free planYes
- Paid fromNone
- Pix transfersYes
- Facts checked4 Oct 2026
Where it wins
- Free basic account with Pix, payments and transfers
- Caixinhas organize savings goals and can link to fixed-income investments
- Android and iOS apps include debit and credit options
Where it doesn't
- Debit card must be requested through the app
- Credit card and credit-limit transactions require separate approval
- Cash withdrawals and other account-linked services may have fees
Our verdict on Nubank
Nubank is a mobile financial-services app in Brazil for people who want an account for receiving, transferring and spending money, alongside simple ways to set savings goals. Its basic account is described as free and supports balance-based payments, transfers, Pix and bill payments. The app is available on Android and iOS, making it a fit for everyday banking managed by phone rather than a desktop service. Debit cards are available by request, while credit products depend on separate approval.
Caixinhas give the account a goal-based savings feature: customers can set aside money for specific purposes, with options linked to fixed-income investments such as RDB and a fixed-income fund. This is more than a basic payment wallet, but the savings feature is still centered on organizing balances toward goals rather than offering a broad suite of financial planning tools. Investment availability may vary by customer, so Nubank suits people who want a straightforward way to earmark funds more than those seeking a particular investment lineup.
For daily transactions, Pix, bill payments and transfers are central strengths. Approved customers can also pay bills and make Pix transactions using an approved credit limit, and may be eligible for a credit card, loans and investment products. Those options are conditional rather than guaranteed parts of every account. The basic account is free, but account-linked services such as cash withdrawals may incur fees. Nubank is a sensible choice for mobile-first personal banking with savings goals; people who need assured access to credit or want to avoid fees on every ancillary service should compare alternatives carefully.
Nubank pricing
Nubank fact sheet
| Free plan | Yes |
|---|---|
| Paid from | None |
| Pix transfers | Yes |
| Debit card | Yes |
| Credit card | Yes |
| Savings options | Multiple |
| Overdraft | No |
| Mobile platforms | Both |
| Deployment | Mobile |
| Platforms | iOS, Android |
| Support | Live chat, Phone |
| Built for | Solo (editorial estimate) |
| Pricing | Free plan |
| Website | nubank.com.br |
| Facts checked | 4 Oct 2026 |
Alternatives to Nubank
- BTG Pactual BankingA free mobile account pairs everyday payments with cards, yield and eligibility-based credit.9.2
- Banco do Brasil Conta DigitalA free digital account with Pix, banking tools, cards and investments.9.1
- Conta Corrente ItaúA free-to-open everyday account with Pix, scheduled payments and web and mobile access.9.0
Nubank vs the competition
- Nubank vs BTG Pactual Banking
- Nubank vs Banco do Brasil Conta Digital
- Nubank vs Conta Corrente Itaú
- Nubank vs Banco Santander Brasil
- Nubank vs CAIXA Conta Digital
- Nubank vs Banco PAN
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Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
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