Nubank digital account
Everything you need to save and spend your money.
Applications for products are only available in portuguese.
We are glad you're interested. Please, apply on the Brazilian Portuguese version of our website.
Enjoy the benefits of a Nubank account on your terms
Earn interest while holding money in your account
You choose how to save your funds and when to reclaim your money.
Digital salary portability
Request salary portability to receive it directly in your Nubank account every month.
Easy mobile recharges
Recharge your mobile phone paying with a card or account balance, and get your credits instantly.
Send or receive payments of any amount
Send a payment reminder with your account details to receive transfers.
The best way to pay bills
Pay your utility, phone or shopping bills right from your app.
Free and unlimited transfers
You can send and receive money in real-time to any bank, all free of charge.
Safe and convenient online shopping
Add your debit card at Uber, iFood, Netflix, and several other apps and websites.
Withdrawal in more than 25k ATMs
Quickly access cash at any 'Banco24Horas' and 'Saque e Pague' ATM.
Bring instant payments to life
Pix is a new way to make instant transfers and payments 24/7 exclusively available in Brazil. The Nubank way, bureaucracy free.Learn more about Pix
Get the full experience with the debit card
You're in control of your daily purchases in an easy and transparent way
Save time with contactless payments
Go cashless with the Nubank contactless card and pay without entering a password.
Safely and conveniently pay with the debit
Make purchases on several online platforms using the debit card option on your favorite apps and websites.
Better returns than a savings account
All money deposited into your Nubank digital account immediately starts paying interest at 100% the Interbank Deposit Rate, every business day.
By months you would have
Total amount deposited R$ 0,00
By months in savings you would have R$ 0,00
This estimate does not constitute a guarantee of future earnings. It is only an estimate based on today's Interbank Deposit rate for the entire period that your deposit would remain in your digital account, and considering no withdrawals and no deposit maturity.
The more you save, the more you earn
Now if you choose a specific date to reclaim your money, the interest is higher than the 100% Interbank Deposit Rate and the selected option at the time of the deposit applies for the entire period.
No hidden fees
Nubank clients save up to R$ 370 per year. No maintenance fees, no lines at branches, no red tape.
How much does it cost to open a Nubank digital account?
We know security is your top priority
Real-time push notifications
Keep track of every transaction that comes in and out of your bank account.
Protect your information
An additional layer of security to keep your access safe with touch ID, face recognition or password.
Your card under control
Lost or stolen card? Lock and unlock the card through the app how many times you need.
Enter your password to confirm and report any unauthorized transactions on your account.
Brazil's favorite customer support team
You can contact us 7 days a week directly through firstname.lastname@example.org or chat with an expert right in your app. You can also just reach out to us via 0800 591 2117
Frequently asked questions about the digital account
Our credit analysis is based upon publicly available information and as well as Nubank’s internal criteria and objectives. We generate an internal score that lets us determine which user profiles best meet our operational capacity at this time.
Being a customer of our digital account does not guarantee the release of the credit card, but it can help your case. Using the Nubank account, our digital account, can help us to know more about the customer's profile when evaluating the card.
If you do not receive approval for your credit card it means that we are currently unable to approve your purple card. However, it does not mean that you have any outstanding issues with your credit history or profile. It is simply due to the lack of information available about who is applying for the card.
The Nubank account has no maintenance fees, offers free and unlimited transfers and a higher interes rate than a regular savings account.
You don't have to undergo any kind of credit check to open a Nubank digital account. We only perform an enrollment analysis. Beyond that, our only requirements for customers are: being at least 18 years old, a resident of Brazil, having a regular CPF status on the Receira Federal Brasileira (the brazilian version of IRS) and a smartphone compatible with our app for Android (version 4.4 or higher) or iOS (version 10 or higher).
Good question! With the credit card we make money two ways: When a customer makes a purchase with the credit card, the establishment where they make the purchase pays us a small percentage of the amount through the Mastercard network; and when a customer decides to pay part or all of their bill in installments, we receive interest, even if it's below market interest rates. We also profit from the interest paid in the lending operations.