Nubank review
Updated September 28, 2026 · HodlCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Nubank NuCripto suits Brazilian adults who want a crypto-linked card with no monthly charge, since the account fee is BRL 0. The trade-off sits with currency conversion: 3.5% on the Ultravioleta card makes it a weak travel wallet, even with 1.25% cashback on everyday spend.
Key facts
- Best for
- A no-cost crypto card in Brazil, where the monthly fee is BRL 0 and card spend earns 1.25% cashback.
- Monthly fee
- R$0↗
- Currency conversion fee
- 3.5%↗
- Card type
- Debit↗
- Cashback rate
- 1.25%↗
- Card network
- Mastercard↗
- Legal entity
- Nu Pagamentos S.A↗
- Headquarters
- Brazil↗
- Features
- Virtual card, Travel
- Audience
- Kids
- Official website
- nubank.com.br
Facts checked September 26, 2026, 4 sources
Pros and cons
Pros
- A monthly fee of BRL 0 means the account is free to keep, with cashback of 1.25% added to everyday card spend.
- The card is a Mastercard debit card, debit on mastercard, so it runs on a network most shops already accept.
- A virtual card is listed among its features, virtual card and travel, which keeps online payments separate from the physical card.
- Kids are the audience the account lists, kids, so a parent-run account fits households with children, and the BRL 0 monthly fee keeps it cheap to run.
Cons
- Currency conversion at 3.5% ranks 222 of 237 brands, and that is above the 2.2% upper quartile for cards on the site.
- The account is priced in BRL and run from Brazil, BR, so the 3.5% conversion charge suits spending in a single currency rather than many.
Who it suits
- Brazilian adults who want a crypto-linked card with a BRL 0 monthly fee and cashback on every card purchase.
- Parents opening a kids account, since kids are the audience listed, kids, and the BRL 0 monthly fee keeps the setup free to run.
- People who keep spending in a single currency and can hold off on conversion, since 3.5% applies on every conversion.
Who should look elsewhere
- Monzo Flex, for readers who want a UK account: its monthly fee is also £0 while this one is run from Brazil, BR.
- Wise, for anyone who treats currency conversion as the main cost, since conversion here runs at 3.5%.
- Bitpanda, where the listed monthly fee is €0, if a euro-denominated card is preferred to the BRL fee here.
Where it sits among rivals
Two rankings tell the story. On the monthly fee, BRL 0 places the account at 1 of 379 brands, ahead of the field. On currency conversion it is the opposite: 3.5% puts it at 222 of 237. Holding the account is the cheapest part; converting money is the expensive one.
Who runs it
Nu Pagamentos S.A is the legal entity behind the account, Nu Pagamentos S.A, and it is based in Brazil, BR. The same company issues the card, which is a Mastercard debit card, debit, so the balance sits with that Brazilian operator and the monthly fee is charged in BRL, BRL 0.
How Nubank compares
8.8 vs 9.4
8.8 vs 9.0
8.8 vs 8.2
8.8 vs 9.5
8.8 vs 9.6
8.8 vs 9.0
8.8 vs 9.1Its listed monthly fee is €0 in euros, a different billing currency from the BRL fee on this account.
8.8 vs 8.9
8.8 vs 8.1
8.8 vs 8.2
8.8 vs 9.5
8.8 vs 9.4
8.8 vs 9.2
8.8 vs 9.1
8.8 vs 9.0
8.8 vs 8.9- 8.8 vs 8.8
8.8 vs 8.8
8.8 vs 8.6
8.8 vs 8.5
8.8 vs 8.3
Where Nubank is available
- Available
- Brazil
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
How much is the Nubank NuCripto account each month?+
The account fee is BRL 0, which places it 1 of 379 brands on this measure. The card that comes with it is a Mastercard debit card, debit, so the real day to day cost is conversion, not holding the account.
What does currency conversion cost on the Ultravioleta card?+
Conversion runs at 3.5%, and that is what puts the brand 222 of 237 on the currency conversion fee ranking. It sits above the 1% median and the 2.2% upper quartile for cards on the site.
Does spending on the card earn anything?+
Card spend earns cashback of 1.25%, which is the reward the account lists. The feature list, virtual card and travel, also names a virtual card, handy for keeping online and subscription payments away from the physical card.
What kind of card is it, and whose network does it use?+
It is a debit card, debit, running on Mastercard, mastercard. Travel is one of the features listed, virtual card and travel, and a virtual card is the other, so the card is set up for spending in more than one place, with cashback of 1.25% on top.
Who is the account aimed at?+
Kids are the audience listed, kids, so a parent-run account is the obvious fit. Adults who want a card with a BRL 0 monthly fee and cashback on spend can use it too. The provider is Nu Pagamentos S.A, Nu Pagamentos S.A, based in Brazil, BR.
How do the fees compare with Monzo Flex, Wise and Bitpanda?+
The monthly fee matches all three: £0, £0 and €0. Conversion is where cards differ, and at 3.5% this one sits above the 1% median for cards on the site.
What about using it on a trip?+
Travel is listed among the features, virtual card and travel, and a virtual card is part of the set. The item to weigh before travelling is the 3.5% conversion charge, since it applies each time the account converts currency, and cashback of 1.25% offsets only part of it.
Sources
- nubank.com.br checked September 26, 2026
Backs: Headquarters, Legal entity
“located in São Paulo, Brazil”
- 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
Compiled from 4 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Free ATM withdrawals, Protection.
Nubank
A no-cost crypto card in Brazil, where the monthly fee is BRL 0 and card spend earns 1.25% cashback.