Accounts & headline costs
Sections ↑Nubank Investimentos is the investment area consolidated into the Nubank app after the former NuInvest experience was integrated in 2024. Nu Invest Corretora de Valores S.A. remains the relevant securities entity for brokerage activity; the Nubank payment/bank account and the brokerage registration account should not be treated as the same balance or protection regime.[2][6]
Account and service routes at a glance
| Account / route | Customer and legal scope | Principal condition |
|---|---|---|
| Integrated investment account | Eligible Nubank customers using the investment area in the app | Profile, product suitability, registration and availability rules apply.Source 2Source 6 |
| Exchange-traded investments | Stocks, BDRs and ETFs through the brokerage route | Market hours, order status and B3 settlement control.Source 2Source 6 |
| Fixed income and Tesouro Direto | Bank and government instruments offered in the app | Issuer, liquidity, tax and B3 custody rules differ by instrument.Source 2Source 6 |
| Funds and managed solutions | Fund products and Nubank portfolio experiences | Fund administration and management expenses remain separate from brokerage.Source 2Source 6 |
Headline charges and what they cover
| Item | Published basis | Important scope |
|---|---|---|
| Account opening and custody | R$0 under the published investment tariff | Product, market and event charges remain.Source 1 |
| Self-service stocks, ETFs and BDRs | R$0 brokerage in the stated app route | Assisted-desk dealing has a separate tariff; B3 and tax charges remain.Source 1Source 3 |
| Tesouro Direto | No Nubank service fee; B3 custody schedule applies | The B3 rate depends on the Treasury product and holding period.Source 1 |
| Funds | Administration and other fund charges according to each fund | These are embedded product costs rather than trade commission.Source 1 |
| Custody portability | Current digital portability described as free; a manual OTA tariff can appear in the fee schedule | Identify whether the movement uses the CVM 210 digital route or a manual legacy process.Source 4Source 1 |
Assisted dealing and account-event charges
| Item | Details |
|---|---|
| Assisted desk outside the NuInvest platform | 0.5% of trade value + R$25.21, minimum R$50.Source 1Source 4 |
| R$10,000 assisted trade — illustration | R$75.21 before applicable taxes and market charges.Source 1Source 4 |
| Manual OTA | The tariff lists R$50 per OTA. Digital portability is separately described as free; confirm the movement type before authorising a charged instruction.Source 1Source 4 |
Products & platforms
Sections ↑The app covers exchange-traded securities, fixed income, Tesouro Direto and funds, but each product has different settlement, liquidity, tax and protection characteristics. The ability to view them together is a user-interface feature, not evidence of one common guarantee.[3][1]
Products and account boundaries
| Product route | Published scope | Boundary |
|---|---|---|
| Stocks, BDRs and ETFs | Brazil exchange products through the brokerage account | Suitability, market hours, B3 rules and price risk apply.Source 3 |
| Tesouro Direto | Federal public securities with product-specific B3 custody rates | Early sale value can differ from the amount invested.Source 1 |
| CDB, LCI and LCA | Bank-issued fixed income offered in the app | Issuer credit, maturity, liquidity and any FGC eligibility are instrument-specific.Source 1 |
| Investment funds | Professionally managed funds with disclosed fees | Fund assets, redemption timing and manager risk differ from brokerage cash.Source 1 |
Fees & holding costs
Sections ↑A zero service fee does not mean a zero-cost investment. Exchange charges, spread, fund expenses, taxes, early-redemption effects and a manual account event can remain. The relevant denominator is the actual investment or order, not the app account balance.[1][4]
Cost layers beyond the headline
| Cost layer | When it applies | Why it matters |
|---|---|---|
| B3 and market charges | Exchange-traded transactions and Treasury custody | They are third-party charges even where Nubank brokerage is zero.Source 1 |
| Fund expenses | Investment fund is held | Administration and other disclosed charges reduce fund value.Source 1 |
| Bid/ask spread | A security is bought or sold in the market | Execution price can matter more than a zero commission.Source 3 |
| Transfer event | Manual OTA or unsupported portability route | The current process and tariff must be identified before requesting movement.Source 1Source 4 |
| Tax | Income, disposal or product event falls within tax rules | The app’s reports are records, not personalised tax advice.Source 5 |
Execution & trading rules
Sections ↑Platform and order controls
| Route / control | Published capability | Operational limit |
|---|---|---|
| Nubank app investment area | Portfolio view, product discovery and supported instructions | Availability varies by customer and product.Source 2 |
| Exchange order entry | Buy and sell supported stocks, BDRs and ETFs | An order can remain pending, partially fill or fail under market conditions.Source 3 |
| Documents | Contract notes and account history | The app selection window and document format have their own limits.Source 5 |
| Security controls | Nubank app authentication and account controls | Recovery or data changes can trigger additional verification.Source 7Source 6 |
Digital orders remain subject to B3 sessions, auction or price rules, available cash, suitability restrictions and system availability. A price displayed before submission is not an execution guarantee; use the final order status and contract note.[3][5]
Deposits, withdrawals & transfers
Sections ↑Cash funding and withdrawal lifecycle
| Stage | Published route | Constraint |
|---|---|---|
| Nubank-to-investment funding | Internal movement within the Nubank experience | Payment-account balance and brokerage registration remain legally distinct.Source 1Source 2 |
| Sale/redemption proceeds | Available after the product’s settlement or redemption process | Displayed portfolio value is not always immediately withdrawable.Source 1 |
| Withdrawal to bank/payment route | Supported cash movement after settlement | Open orders, unsettled sales and product liquidity affect availability.Source 1 |
Moving an existing portfolio
| Transfer type | Published treatment | Material consequence |
|---|---|---|
| Digital portability | Eligible assets can move without redemption under CVM 210 | Asset type, cost basis and processing status should be preserved.Source 4 |
| Partial transfer | Permitted for most eligible assets under the current framework | Operational obstacles can cause a documented refusal in specified cases.Source 4 |
| Manual OTA | Used for specified registrar-held or legacy situations | The published fee schedule identifies a separate R$50 OTA charge; confirm the exact route.Source 1Source 4 |
Digital portability time limits described by Nubank
| Item | Details |
|---|---|
| Two business days | Listed shares, ETFs, FIIs, BDRs, Tesouro Direto and other stated centrally deposited assets.Source 4 |
| Five business days | Stated OTC/cleared and other eligible instruments.Source 4 |
| Nine business days | Investment funds.Source 4 |
| Scope | Nubank’s 5 October 2026 explanation of the CVM 210 process; incomplete details or ineligible assets require resolution. Transfer without sale preserves the investment itself.Source 4 |
Portability is not a sale, but only supported and correctly identified assets can move in kind. Preserve acquisition records and monitor the digital status. A sale to recreate the position at another institution can introduce market and tax consequences.[4][5]
Protection & regulation
Sections ↑Protection chain
| Layer | Published position | What it does not mean |
|---|---|---|
| Broker entity | Nu Invest Corretora de Valores S.A. for securities brokerage | The Nubank brand includes other entities and products.Source 6Source 2 |
| CVM/B3 framework | Registration and market/depository rules govern the relevant service | Registration is not a recommendation or loss guarantee.Source 8 |
| MRP | Eligible exchange-related failures can be submitted within the scheme scope | It is not automatic and excludes normal market loss and many non-exchange products.Source 9 |
| Bank or payment account | Separate legal account and protection treatment | Payment-account rules cannot be assumed for securities resources.Source 2 |
The critical distinction is between securities held through the broker, fund or issuer assets, and ordinary Nubank account money. A product can be visible in the same app while using a different debtor, custody chain and complaint route.[2][6][9]
Opening an account & support
Sections ↑Opening, service and escalation
| Route | Use | Boundary |
|---|---|---|
| Digital opening | App-based onboarding and investor-profile checks | Availability and approval are not guaranteed for every customer.Source 2 |
| App support | Chat and official telephone routes | Use the authenticated app for account-specific instructions where possible.Source 7 |
| Ombudsman | Escalation after ordinary support has not resolved the complaint | Published business-hour and protocol requirements apply.Source 7 |
| CVM and BSM routes | CVM regulatory complaints; BSM/MRP for eligible reimbursement claims | Each route has its own scope and documentation.Source 8Source 9 |
Telephone and app support
| Contact | Published number or route | Service scope |
|---|---|---|
| App chat | Nubank app | General support 24/7.Source 7 |
| General telephone support | 4020 0185 / 0800 591 2117 | Metropolitan regions / other locations in Brazil.Source 7 |
| Ombudsman | 0800 887 0463 | Weekdays 08:00–18:00 Brasília time after ordinary support.Source 7 |
Support and complaint contacts
Scope General Nubank contacts; Croma has a separate service page.
If access, authenticator or payment details change, expect identity verification and possible delays before sensitive transactions are released. Keep contract notes, screen records, protocols and the final response; a chat acknowledgement is not a completed transfer or trade.[7][5]
Additional services
Sections ↑Distinctive services
| Service | Function | Condition |
|---|---|---|
| Unified app portfolio | Banking and investment views in one application | Convenience does not remove entity and account boundaries.Source 2 |
| Investment portability | Current digital process can be initiated and tracked | The asset must be eligible and supported by both institutions.Source 4 |
| Documents and reports | Contract notes and transaction histories | A trade record is not a full tax calculation or tax advice.Source 5 |
Nu Smart Invest
| Item | Details |
|---|---|
| Rollout | Launched 15 October 2026 and being introduced gradually in the app.Source 10 |
| Portfolio analysis | Score up to 1,000 across diversification, return, liquidity, protection and efficiency.Source 10 |
| Scenario tool | Uses planned monthly contributions to compare projections; customers retain the investment decision.Source 10 |
Nu Smart Invest analyses the portfolio held with Nubank and explains suggested changes against the customer’s profile and goals. The phased rollout means access can differ between customers. Its scores and projections are decision-support outputs, not promised returns.[10]
Company background
Sections ↑Nubank Investimentos at a glance
| Measure | Value | Context |
|---|---|---|
| Contracting entity | Nu Invest Corretora de Valores S.A., CNPJ 62.169.875/0001-79 | Source 6 |
| Primary jurisdiction | Brazil | Source 8 |
| Headquarters | São Paulo, Brazil | Source 6 |
| Founded / lineage | Easynvest/NuInvest lineage; app integration completed in 2024 | Source 2 |
| Platforms | Nubank app; Nubank investment area | Source 2 |
Company and service boundaries
- Headquarters
- São Paulo, Brazil
- Founded
- Easynvest/NuInvest lineage; app integration completed in 2024
Legal entities & licences
These are source-dated records, not a blanket assessment of the broker. Read each issuer, identifier, status and scope together.
Nu Invest Corretora de Valores S.A.
No separate licence entry is recorded in this panel.
Additional information
Sections ↑Practical checks before using the service
| Question | Why it changes the result |
|---|---|
| Which Nubank entity holds the product? | It determines the account, custody and protection framework.Source 6Source 2 |
| What remains beyond zero brokerage? | B3, fund, spread, tax and transfer costs can still apply.Source 1 |
| Is the order final? | Only the accepted status and contract note establish execution.Source 5 |
| Which portability route is being used? | Digital CVM 210 and manual OTA processes can have different fees and steps.Source 4Source 1 |
| Is the asset covered by MRP or another scheme? | Scheme eligibility depends on the asset, transaction and failure.Source 9 |
Sources & further reading
- Investment fees and prices Nubank · Accessed 29 Oct 2026
- Investment app consolidation announcement, 9 April 2024 Nubank · Accessed 29 Oct 2026
- Stocks, BDRs and ETFs in the Nubank app Nubank · Accessed 29 Oct 2026
- Investment portability and current transfer rules Nubank · Accessed 29 Oct 2026
- Contract notes and downloadable records Nubank · Accessed 16 Oct 2026
- Group entities and privacy notice Nubank · Accessed 29 Oct 2026
- General customer service and ombudsman Nubank · Accessed 29 Oct 2026
- CVM participant register Comissão de Valores Mobiliários · Accessed 16 Oct 2026
- Market reimbursement mechanism boundaries Portal do Investidor / CVM · Accessed 16 Oct 2026
- Nu Smart Invest launch and phased rollout, 15 October 2026 Nubank · Accessed 29 Oct 2026
This profile reports dated public information, including broker-published services and terms. It does not independently test or guarantee execution, pricing or withdrawals. Inclusion is not an endorsement. Permissions and protections apply only to the named legal entity, service and client category; check the current official records and your contract.