Nubank
Nubank is a neobank / credit card issued on Mastercard, rated 8.1/10 in our latest review. Below: what it costs and what it demands, the tiers the issuer publishes, and how the card cleared our live checkouts.
Nubank is the strongest fit for app store / play, and asks for ID + proof at signup — we carry it at low risk. Treat the fee rows as the deciding factor: a card that clears reliably but charges on every top-up costs more than its rating suggests.
Profile
| Issuer / category | Nubank · Neobank / Credit Card |
| Official site | https://nubank.com.br |
| Best for | App Store / Play |
| Network | Mastercard |
| Rating | 8.1/10 (4.0★, 134 data points) |
| Data quality | verified |
Costs and fees
| Card creation fee | R$0 |
| Monthly / annual fee | R$0 (Ultravioleta R$89/mo) |
| Top-up (deposit) fee | 0% |
| FX / conversion fee | 4% |
Verification and risk
| KYC required | Yes |
| Risk level | low |
| AVS check | No |
Funding and limits
| Crypto top-up | No |
| Bank transfer | Yes |
| Alipay / WeChat Pay | No |
Billing
| Billing country | Brazil |
Platform compatibility
| App Store / Google Play | Yes |
How it performed in our tests
We logged 185 cleared charges out of 258 attempts on 1 documented range for this brand. Counts include renewals, not just first charges.
Where to go next
Checkout guides built around this card
Category guides
Issuing country
Other Mastercard virtual cards
Frequently asked
What does Nubank cost to run?
The cost lines stack like this: issuing it costs R$0; the recurring charge is R$0 (Ultravioleta R$89/mo); loading it carries no top-up fee; conversion is priced at 4%. Cash-out costs are what compound here, so weigh the recurring lines above the one-off fee.
Do I need to verify my identity for Nubank?
Nubank asks for ID + proof at signup. The check runs once when the account opens, not on each charge, and the issuer's own wording is: Yes
How can I fund Nubank?
You can fund it with bank transfer. Pick the one you can top up cheaply and repeatedly, because the load fee is charged every time.
Which billing address does Nubank need?
Setting it up: cards are issued against Brazil; an AVS check is not applied. Copy the address the issuer generates rather than retyping it. A transposed digit is the most common reason a working range starts failing.
Does Nubank work for subscriptions and AI tools?
We recorded successful charges for the App Store and Google Play. Where a card passes on one merchant and fails on another, the difference is usually the processor and the 3-D Secure setting rather than the card itself.
How VCCFinder tests
VCCFinder buys cards at retail and charges them on live checkouts, then publishes the clear rate and decline reasons next to each range. Where a card declined, the reason sits on its BIN page rather than in a footnote here.