Comparison

CAIXA vs Nu

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

CAIXA

Manage your bank account and access financial services with ease. This app allows you to check balances, view statements, make transfers, and apply for loans. It also offers features for credit card management and secure online payments.

Highlights
  • Account access and management
  • Balance and statement consultation
  • Payment and transfer receipts
  • Credit card management
  • Virtual debit card creation
  • Loan applications
  • Pix transfers
Features
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O aplicativo CAIXA mudou para você acessar sua conta e usar os serviços sem complicação. Todas as funcionalidades que você estava acostumado estão aqui e, para facilitar, você agora pode usar o campo de busca no menu para encontrá-las. Na CAIXA você pode: • Acessar sua conta sempre que precisar; • Consultar saldo, extrato, comprovantes de pagamentos/transferências, inclusive compartilhar/salvar os comprovantes; • Adquirir cartão de crédito, ver fatura, pontos, consultar senha, desbloquear cartão novo, alterar data de vencimento, habilitar cartão para uso internacional e muito mais; • Ligar/desligar a função aproximação do cartão de débito; • Criar cartão de débito virtual para usar em pagamentos via Whatsapp e em compras online; • Fazer um empréstimo: Empréstimo Pessoal | Crédito Trabalhador, Consignado e Antecipação de Saque Aniversário; • Enviar e receber dinheiro por Pix, cadastrar as pessoas que você mais faz Pix nos favoritos e com um clique efetuar as transferências; • Aumentar ou diminuir o limite das transações; • Pegar seu informe de rendimentos; • Open Finance: trazer seus dados para a CAIXA e ter vantagens exclusivas; • Acompanhe sua vida financeira pelo Minha Carteira Experimente agora mesmo. Baixe agora, não fique fora da nova experiência! - Se precisar de qualquer ajuda, acesse https://www.caixa.gov.br/atendimento/canais-digitais/app-caixa-internet-banking/perguntas-frequentes/Paginas/default.aspx ou escreva para a gente - http://faleconosco.caixa.gov.br/wps/portal/faleconosco/home/formulario/sugestoes

About

Nu

This app provides a comprehensive digital financial services platform, aiming to simplify banking and empower users. It offers a transparent and hassle-free experience for managing your complete financial journey, including accounts, credit, investments, and more, with human support available 24/7.

Highlights
  • Digital financial services platform
  • Credit card management
  • Loans and investments
  • Savings accounts
  • PIX and Cashback
  • 24/7 human support
Features
Currently charting
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The world's most loved digital banking platform, now also available in the US and many other countries. Nu is one of the largest digital financial services platforms in the world, already trusted and loved by over 140 million people. Powerful tech, elegant design, and premium products, with protection built into every step. For US customers, Nu offers: - An account where every dollar earns 3.50% APY* - Unlimited 1.5% cashback on your no-fee metal credit card - Real-time card management and fraud protection - Award-winning 24/7 customer support Nu is the recipient of numerous world-class awards, including, Forbes World's Best Banks, Time 100 Most Influential Companies, and Fast Company's Most Innovative Companies. ______________________________ In the United States, Nu is a financial technology company, not a bank. Banking services and the Nu Credit Card are provided by Lead Bank, Member FDIC. Lead Bank is the FDIC-insured bank. Deposit insurance covers the failure of an insured bank; certain conditions must be satisfied for deposit insurance to apply. Nu is a brand of Nu United States LLC. *Annual Percentage Yield (APY) is the percentage your balance earns over a year. Interest is paid to your account daily. The rate may change over time, but we’ll always show the current rate in the app. 3.50% Annual Percentage Yield (APY), current as of Sep 10, 2026. 1.5% cashback on eligible settled purchases; some transaction types and merchant categories don't qualify. See Cashback Program Agreement.

Screenshots

CAIXA4 screens
Nu4 screens

Verdict

The call

The clearest difference is rating: Nu at 4.8 against CAIXA's 4.2. Nu also leads on review sentiment (51% vs 21%) and ratings volume (25K vs 2.3K). CAIXA's advantage is ads (none vs shown) and monetization model (free vs free with in-app purchases). On price, in-app purchases, device support and iOS requirement there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

Nu holds the better App Store score, 4.8 against 4.2. That said, the two scores are not equally well evidenced: Nu has 25K ratings behind it against 2.3K, so its average is the more settled of the two. Written reviews point the same way: 21% of CAIXA's written reviews are positive against 51% of Nu's.

UpkeepUpdate frequency

CAIXA ships an update fortnightly, Nu weekly. Both last shipped on September 26, 2026.

Scorecard7 real differences · 4 level
CAIXA versus Nu: the parameters behind the verdict, then further details
ParameterCAIXANu
PriceFreeFree
Rating4.2 (2.3K ratings)4.8 (25K ratings) — better
Positive reviews21.3% of reviews51.4% of reviews — better
Number of ratings2.3K25K — better
Update frequencyFortnightlyWeekly — better
AdsNo — betterYes
In-app purchasesNoNo
MonetizationFree — betterFree with in-app purchases
Best chart rank—#196 — better
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS15.115.0 — better
Further details — not scored
Size168 MB235 MB
Age rating+174+
DeveloperCaixa Econômica FederalNU PAGAMENTOS S/A INSTITUICAO DE PAGAMENTO

Customer experience

CAIXA

All ratings2,313 ratings
Positive80.9%
Neutral3.7%
Negative15.4%
Written reviews221 reviews
Positive21.3%
Neutral5.0%
Negative73.8%

Nu

All ratings25,248 ratings
Positive96.0%
Neutral1.2%
Negative2.8%
Written reviews875 reviews
Positive51.4%
Neutral6.9%
Negative41.7%

User reviews

CAIXA

From 2.3K App Store ratings

What we love

  • 🚀 Prático e funcional
  • 👍 Fácil de usar
  • 🚀 Muito útil

Room to improve

  • 🐛 Instabilidade e falhas frequentes
  • 🔒 Problemas de segurança e acesso
  • 🚫 Não funciona fora do Brasil
  • 🐛 Bugs e travamentos constantes

Nu

From 25K App Store ratings

What we love

  • 🚀 Easy to use
  • 👍 Transparent and intuitive
  • 🚀 Fast and efficient
  • 💡 Modern banking experience
  • 👍 Excellent customer service

Room to improve

  • 🐛 Occasional app crashes
  • 🐛 Login issues
  • 🐛 Unreliable facial recognition
  • 🔒 Security concerns
  • 🔋 High battery consumption

Bugs and requests

CAIXA

Reported bugs

3 issues
  • Não reconhece usuário e pede recadastro
  • Conexão segura não funciona
  • Problemas com PIX e transferências

Requested features

3 requests
  • Integração com cartões de crédito
  • Opção de compartilhar extratos
  • Atualização para iOS e Android

Nu

Reported bugs

4 issues
  • App freezes on startup
  • Timed out during account creation
  • Unable to access account after password reset
  • Incorrect transaction history display

Requested features

5 requests
  • Apple Pay integration
  • Improved transaction categorization
  • Ability to increase credit limit manually
  • Support for international users
  • Dark mode option

In-app purchases

None

CAIXA

No in-app purchases

None

Nu

No in-app purchases

Questions

Is CAIXA free?
CAIXA is free to download, with no in-app purchases.
Is Nu free?
Nu is free to download, with no in-app purchases.
Which has better reviews, CAIXA or Nu?
Nu is rated higher. CAIXA averages 4.2 out of 5 from 2.3K ratings, while Nu averages 4.8 from 25K ratings.
Do CAIXA or Nu have ads?
Nu shows ads; CAIXA does not.
Which is updated more often, CAIXA or Nu?
CAIXA ships an update fortnightly, and Nu weekly. Most recently, CAIXA was updated on September 26, 2026 and Nu on September 26, 2026.

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