Can I Buy Bitcoin with Nubank?

Yes. Through Nubank Cripto, eligible customers can buy Bitcoin directly inside the Nubank app. Users can convert BRL to assets such as BTC, ETH, SOL, USDC, and 13 other supported coins, all managed from the same interface you already use for everyday banking.

The only downsides to buying digital assets directly through Nubank are the limited selection of assets and the high investment fees that start at 0.6%. If you want broader exchange features or different order types, you can still send Brazilian Reais (BRL) from your Nubank account to licensed crypto platforms in Brazil. 

Keeping activity between Nubank and regulated providers that follow Brazilian KYC and AML standards helps you stay aligned with local rules, maintain cleaner records for tax purposes, and preserve stronger protections over your account and funds.

How to Buy Crypto with Nubank

Nubank doesn’t run its own full-service crypto exchange and only offers limited spot trading, so many Brazilian investors use it for day-to-day banking and a dedicated exchange for trading cryptocurrencies.

Bybit is the best crypto platform in Brazil thanks to its diverse BRL deposit methods through Pix, cards, bank transfers, Apple Pay, and more. It supports over 2,400 digital assets for trading in spot, futures, margin, and copy trading, and for earning products for more advanced strategies.

Step-by-Step Guide to Buying Crypto with Nubank

1. Open a Bybit Account: Download the Bybit app or visit the website, create an account, and complete identity verification.
2. Deposit BRL from Nubank: In Bybit, go to the fiat deposit section, select BRL, and choose a method to complete your deposit.
3. Select Cryptocurrency: After the BRL deposit lands in your Bybit balance, open the spot trading section and choose a pair such as BTC/BRL, ETH/BRL, or USDT/BRL.
4. Confirm Trade: Choose a market or limit order, enter the amount in BRL or crypto, review the quote, and submit. Once filled, your coins appear in your Bybit wallet, where you can hold, trade further, or later move funds back toward fiat if your strategy changes.

Fees and Deposit Limits for Nubank Customers

Understanding fees and limits is important before sending money from Nubank to Bybit. Below is an overview of how costs and thresholds typically work.

• Deposits: Most Nubank users fund Bybit in BRL using Pix or a local bank transfer, which are free of charge. However, card deposits can cost upwards of 2%.
• Withdrawals: To move money back to Nubank, you first sell your crypto on Bybit, then withdraw through the same on-ramp channels (Pix or bank transfer). Bybit and its partners set withdrawal fees, which can be viewed at the checkout screen.
• Limits: Limits depend on your KYC tier and payment channel. For Pix-based services such as Bybit Pay, the FAQ shows per-transaction caps around USD 15,000, with daily limits near USD 500,000 and higher monthly and yearly ceilings for verified users.
• Trading Fees: On Bybit’s spot markets, maker and taker fees start at 0.1% and fall for high-volume or VIP accounts. This fee structure is significantly lower than that of most platforms, such as Coinbase, which can charge over 2% for trading.

Using Nubank for BRL funding and Bybit for trading gives you predictable costs and clear limits, as long as you review the current fee schedules on both platforms.

Nubank Cryptocurrency Policy

Nubank allows customers to move funds to crypto platforms, provided the exchange complies with Brazil’s digital asset rules under Law No. 14,478 and operates under the supervision of the Banco Central do Brasil, with the CVM involved when tokens fall under securities rules.

As with any regulated bank, Nubank monitors transactions for fraud and compliance purposes. In rare cases, accounts or specific transfers can be reviewed, paused, or closed if activity triggers internal risk thresholds. 

These actions are based on regulatory duties tied to AML and financial crime prevention, and decisions may be taken with limited public disclosure. Using well-known platforms, maintaining clear transaction records, and avoiding unusual transfer patterns help reduce the risk of disruption.

Best Alternative Exchanges for Nubank Customers

Nubank users who do not want to rely solely on Nubank Cripto can fund several established global exchanges that accept transfers and operate in line with Brazil’s financial rules. These platforms provide broader market access and deeper liquidity than what is available on Nubank.

1. Coinbase: Coinbase is one of the most established global exchanges and supports crypto purchases in Brazil through Pix and cards. It lists 200 cryptocurrencies with trading fees starting at 0.5% on Advanced Trade and 2% on simple buy features. 
2. Binance: Binance supports Pix deposits and withdrawals for Brazilian residents and lists 350+ cryptocurrencies. It offers spot trading, futures, staking, and yield programs. Spot fees start at 0.1% and can be reduced with volume or loyalty discounts.
3. OKX: OKX supports BRL funding via local payment providers and offers access to spot trading, derivatives, and on-chain services. It lists hundreds of assets and offers competitive spot fees that begin near 0.1% for regular users.

Before choosing an exchange, Nubank customers should compare fees, Pix support, available coins, and security controls. Sticking to well-known platforms with clear compliance standards and strong account protections helps reduce risk when moving funds out of a traditional bank.

About Nubank

Nubank is one of the largest digital banks in the world, founded in Brazil in 2013 and now serving tens of millions of customers across Brazil, Mexico, and Colombia through its mobile-first financial platform. 

Operated by Nu Holdings Ltd., the bank built its growth on low-cost, app-based credit cards and has since expanded into full banking services, including personal accounts, savings tools, loans, insurance, investments, and in-app crypto access through Nubank Cripto.

Final Thoughts

For most Brazilians, Nubank is the best option for quickly converting BRL to crypto, while dedicated exchanges are more affordable and efficient for active trading. 

If you plan to invest beyond a few core assets, sending funds from Nubank to a regulated platform with lower fees and deeper markets can materially improve your results. Always review current costs, keep clean records, and stick to providers that follow Brazilian financial rules to protect both your capital and your tax position.