Nubank or Pagbank: which is the best digital account for you?

Are you looking for a good digital bank with an account that truly meets your needs and offers fees and services that interest you? We've compared Nubank and Pagbank to help you learn more about both. 

So, with this comparison, we have data to help you know which banks are the best and which ones are worth having your digital account. 

Follow our comparison and decide: Nubank or Pagbank?

• Which bank charges fewer tariffs? 👈
• Which bank offers more services? 👈
• Which bank offers a best credit card? 👈
• Which bank has the best investment options? 👈
• Which bank has the best app? 👈
• Which bank is the safer? 👈
  
• As open an account at Nubank? 👈
• As open an account at Pagbank? 👈

Which bank charges fewer fees: Nubank or Pagbank?

When choosing your digital bank, it's important to know the fees charged so that you know exactly what you're paying for when using that bank's services.

So, we compared Nubank and Pagbank's fees. See which one charges the lowest fees. 

Nubank Fees

• Account opening: no fees.
• Withdrawals: R$ 6.90 per withdrawal.
• Ted: free.
• Deposit via bank slips: free and unlimited.
• Unlimited PIX.
• Maintenance cost: free. 

Pagbank Fees

• Account opening: free.
• Account withdrawals: R$ 7.50 per account withdrawal.
• Ted and deposit via bank slips: free and unlimited.
• Maintenance cost: free. 

Which bank has the best fees?

Both banks offer basically the same advantages, resulting in a technical tie regarding the fees that the banks charge. 

However, Nubank's fee for withdrawals on the 24-hour network is lower than Pagbank's, giving this digital bank an advantage. 

Which bank offers the best services: Nubank or Pagbank?

When you open a digital account, you need to understand the services offered at the time of signing up, as this will make a difference in your daily use.

Therefore, we have separated the main services that Nubank and Pagbank offer you.

Nubank Services

• Transfers via PIX, TED, DOC.
• Deposit by bank slip.
• Pay bills directly with your account balance.
• Personal loans.
• Automatic account income.
• Investment option.
• Nu rewards program (paid).

Pagbank Services

• Free digital account.
• Transfer by PIX, TED.
• Online loan. 
• Card machine available.
• Deposit by bank slip.
• Payment of bills and installment payments. 

Which bank is the best in services?

Both digital banks are interesting and offer a variety of useful services for their customers' daily lives. These are essential services that make their lives easier. 

Pagbank has the advantage in this regard if you need a free card machine for everyday use. 

Best credit cards: Nubank or Pagbank?

It's not enough to just have a digital account. You need a good credit card for everyday use, shopping, and even taking advantage of the benefits, as the card can be used as both a checking account and a debit card.

See the credit cards that Pagbank and Nubank offer for you.

Nubank Cards

• Nubank Visa Gold card with no annual fees.
• Nubank Ultraviolet Card (annual fee of 12 of R$ 49.00).

Pagbank Cards

• Free International Visa credit card with no annual fees.

Which bank is best for cards?

When comparing cards, it's a good idea to compare the brand, the annual fee, and the types of cards offered to the general public. 

Nubank has an advantage in this regard because it offers a Gold card with no annual fees and also an Ultraviolet card, for those who want a card with more options for everyday use. 

Which bank yields more: Nubank or Pagbank?

Pagbank and Nubank are offering digital accounts with returns based on the CDI (Interbank Deposit Certificate) rate. Each bank operates differently, with rates and returns set according to their own terms. 

See how each bank's performance works and find out which one is the best.

Nubank's Income

• Automatic income.
• 100% of the CDI.

Pagbank Income

• Automatic income.
• 100% of the CDI.

Which bank is the best in terms of returns?

When you analyze the yield of both banks, they are exactly the same, which gives you a technical tie when choosing the bank, since both bring a value of 100% of CDI.

This value is a rate adjusted by the Selic rate and is currently at 13.15% per year. 

Which bank has the best app: Nubank or Pagbank?

Digital banks offer the convenience of providing an app so you can control all your account transactions. With this in mind, banks strive to offer the best apps, with visuals that help you access information. 

Check out how the C6 Bank and Nubank apps work!

Nubank App

• Availability: Android and iOS.
• Price: Free.
• Interactive application, simple to use and easy to access.

Pagbank App

• Availability: Android and iOS.
• Price: Free.
• Practical application, with all the options simple for the user.

Which bank has the best app?

To access accounts, cards and bring all the information you need to use in your daily life. 

Thus, both Nubank and Pagbank offer practical, functional, and secure apps that you can access easily and use all the available tools. 

Which bank is safer: Nubank or Pagbank?

Regarding security, you need to think about everything the bank offers its customers and that ensures your money is safe. 

Check out how security works at Nubank and Pagbank.

Nubank Security

• Digital bank registered with the Central Bank of Brazil.
• It is insured by the Credit Guarantee Fund.
• Founded in 2013. 
• Secure application, with password and fingerprint recognition. 
• Real-time information on the screen of all operations.

Pagbank Security

• Digital bank registered with the Central Bank of Brazil.
• It is insured by the Credit Guarantee Fund.
• Founded in 2019.
• Secure, password-protected application.
• Fingerprint recognition. 

Which bank is the best in security?

Once again, we're in a tie between Pagbank and Nubank. This is because both digital banks offer a secure app, where you can monitor everything in real time and ensure your money is well invested. 

Furthermore, both are insured by the FGC, which gives you the certainty that if the bank has problems, you have up to R$250,000 insured. 

How to open a Nubank account?

Nubank is a practical and secure bank where you can open your account and which will give you the advantage of being able to do everything online, without having to face any complications when opening your account. 

So, here's how to open your Nubank account. 

Step by step guide to opening a Nubank account

Follow our step-by-step guide and open your Nubank account quickly. 

1. Go to your smartphone's online store and install Nubank. 
2. Open it and tap “Create new account”.
3. Fill in your personal details.
4. Enter your document number. 
5. Send the requested photos of your documents.
6. Submit the proposal and wait for Nubank's approval.

How to open a Pagbank account?

Like other apps, Pagbank is easy to open and you only need to have your document and personal data on hand. 

We've created a step-by-step guide to help you. Check it out.

Step by step guide to opening an account at C6 Bank

See how to open a Pagbank account:

1. Open your smartphone's online store and install the Pagbank app.
2. Open it and tap “Create new account”. 
3. Fill in all your personal details. 
4. Fill in the documents. 
5. Send the requested photos of the documents.
6. Wait for approval to use your Pagbank account.

So, which bank should I choose?

Before we reach our verdict, please note that Nubank has an excellent rating of 8.3 on Reclame Aqui, which adds even more security to the bank. Pagbank has an excellent rating of 8.2. 

Overall, we can say that both banks are very similar, which we can consider a tie. 

If your focus is on credit cards, Nubank has advantages, as it offers better brands. 

But if you want a free card machine for everyday use, then Pagbank has the edge over Nubank.
So, make your choice and open your account with the digital bank that suits you best. 

And take the opportunity to see more digital bank comparisons on our website.