Can I Buy Bitcoin with Nubank?
You can buy Bitcoin with Nubank in two ways. Nubank Cripto offers Bitcoin and 28 other tokens directly in the app, with purchases starting from R$1. Alternatively, the same conta do Nubank can send Pix payments to any crypto exchange serving Brazilian customers. Nubank does not block these transfers.
Pricing differs considerably between the two options. Nubank Cripto presents a single price for each trade, with fees set through a progressive discount ladder that the bank cut again in April 2026. Bybit instead fills orders through a live order book, which publicly displays buy and sell orders, and charges 0.10%. The cost difference grows with each trade.
In our test, a Pix deposit from Nubank reached Bybit before we could switch back to the exchange tab. Nubank did not ask any questions about the payment's purpose, which is consistent with a bank that offers crypto itself. Pix limits and the tax rules covered below are the practical constraints.
How to Buy Crypto with Nubank
Sending Pix from the Nubank app to Bybit is the cheapest way to buy crypto that can later be withdrawn to any wallet. Pix operates around the clock, settles within seconds, and is free for individuals.
Steps to buy crypto with Nubank:
- Create and verify a Bybit account: Register on Bybit and complete identity checks (KYC) using your CPF and an identity document such as a CNH or RG. Your Bybit and Nubank accounts must have matching CPF details. Ownership mismatches are the main reason Pix deposits are returned.
- Generate the Pix deposit code: Open Buy Crypto on Bybit, choose Deposit, select BRL, and pick Pix. Bybit will create a QR code or copy-and-paste (copia e cola) code for that deposit. Generate a fresh code for each transfer instead of saving an old key.
- Check your Pix limits in the Nubank app: Go to Área Pix, tap Configurar Pix, then select Meus limites Pix. You can set your own daytime limits, but increases take 24 to 48 hours to become active. Raise the limit the day before making a large purchase. The night window retains a R$1,000 default under Banco Central security rules.
- Pay the QR code: Scan or paste the code into the Nubank app and approve the payment with your four-digit password. Transactions from a phone that has never accessed your account are limited to R$200 each until Nubank validates the device, so use your usual handset. Our test deposits reached Bybit in under a minute.
- Place a limit order: Once the reais arrive, open BTC/BRL or convert the balance to USDT to access deeper dollar pairs. For anything beyond a small test, a limit order charged at 0.10% offers better value than the convert screen's built-in spread. Our best crypto wallets guide explains how to move long-term holdings into self-custody.
Banco Central rules allow the receiving institution to hold a flagged Pix transfer for up to 72 hours while conducting a fraud review. First deposits to a new exchange usually clear much faster, and the hold is released without any action from the sender.
Buying Crypto Directly in the Nubank App
Nubank Cripto is suited to small recurring purchases where convenience matters more than price. The service launched with Bitcoin and Ethereum in 2022 but has since expanded. Customers can now trade 29 digital assets from a minimum of R$1.
- Open the Cripto section: Locate it under the app's investments area and accept the risk disclosures. Because Nubank has already verified your identity, the product activates immediately.
- Pick a token and confirm: Nubank displays a single price and discloses the fee before confirmation. New customers receive their first purchase free, while Ultravioleta cardholders pay no trading fees.
- Swap into digital dollars if you want: Nubank's swap feature lets you exchange holdings directly for USDC, a dollar stablecoin issued by Circle. This costs less than selling into reais and buying again. Customers can also opt into USDC Rewards, which pays a fixed 4% annually on balances of at least 10 USDC, with rewards credited daily.
- Withdraw on-chain if you want custody: On-chain deposits and withdrawals are available for BTC, ETH, SOL, and USDC. The other 25 tokens cannot leave the app, which is the product's main limitation for self-custody.
Trading fees use a sliding scale based on volume and are reviewed every 45 days. Discounts start at 25% and can reach 100% for the most active customers. Nubank does not display an order book, preventing users from checking the market depth behind a quote or setting a limit price.
Nubank Crypto Fees, Limits and Tax
Funding an exchange from Nubank does not incur a fee. Costs arise within the crypto products themselves, while the most substantial obligations relate to tax.
Nubank account and Pix limits
- Pix transfers: Free for individuals, available around the clock every day of the year, and settled within seconds.
- Daytime Pix limit: Personalised for each customer through the app. Reductions apply immediately, while increases take 24 to 48 hours.
- Night limit: R$1,000 by default between 20:00 and 06:00 under Banco Central rules. Customers can choose to begin the night window at 22:00 instead.
- New device cap: Banco Central security rules limit unregistered devices to R$200 per transaction and R$1,000 per day until Nubank validates the phone.
- No crypto block: Nubank publishes no restriction on Pix payments to exchanges. None of our transfers to licensed platforms have been refused.
Nubank Cripto costs
- Trading: Fees are tiered according to 45-day volume, with progressive discounts reaching 100%. New customers receive their first trade free, and Ultravioleta customers pay no trading fees.
- Pricing model: Each trade receives a single quoted price rather than using an order book, making it impossible to compare execution against market depth.
- On-chain withdrawals: BTC, ETH, SOL, and USDC can be withdrawn for a network fee. The remaining listed tokens cannot leave the app.
- USDC Rewards: A fixed annual return of 4% applies to balances of 10 USDC or more. Rewards are paid daily, and customers can switch the feature on or off freely.
Bybit fees
- Pix deposit: Free and credited near-instantly in BRL.
- Spot trading: Entry-tier maker and taker fees are both 0.10%.
- Convert screen: Faster to use but includes a spread wider than the spot fee, so we reserve it for initial tests.
- Crypto withdrawals: Users pay only the network fee, which is close to a dollar for USDT sent through Tron (TRC-20).
Brazilian tax on crypto
- Sales on Brazilian platforms: Capital gains are exempt when total disposals remain at or below R$35,000 in a calendar month. Above this threshold, gains are taxed progressively from 15%. Payment is made by DARF through the GCAP program by the last business day of the following month. The proposed flat rate of 17.5% in Provisória 1303 never became law because Congress allowed the measure to lapse in October 2025.
- Foreign platforms: Law 14.754/2023 applies to gains earned through exchanges domiciled outside Brazil. The annual net result is taxed at a flat 15%, without a monthly exemption, and reported through the annual IRPF return.
- DeCripto reporting: Since 1 July 2026, taxpayers must submit the Receita Federal's new monthly DeCripto declaration when monthly transactions outside Brazilian providers exceed R$35,000. This includes activity on foreign exchanges, decentralised platforms, and person-to-person markets. Declarations are filed through the e-CAC portal. The first one is due at the end of August 2026, with late filings subject to a R$100 monthly charge.
- Annual declaration: Crypto positions acquired for R$5,000 or more must appear in the bens e direitos section of the annual IRPF return, regardless of which platform holds them.
Like all Brazilian providers, Nubank Cripto automatically reports customer trades to the Receita Federal. Foreign exchanges leave the monthly calculations to the customer. Exporting statements regularly is easier than rebuilding an entire year's records in April.
Best Exchanges for Nubank Customers
The Banco Central's licensing regime took effect in February 2026, dividing the market between exchanges establishing Brazilian entities and those that will need to leave. Each platform below accepts Pix deposits in reais from Nubank accounts.
Our best crypto exchanges in Brazil guide follows how each provider is approaching the authorisation window.
Nubank Cryptocurrency Policy
Unlike banks that classify crypto as a fraud category, Nubank has incorporated digital assets into its product range. It launched Nubank Cripto in 2022 and has since expanded the service to 29 tokens, added swaps and on-chain transfers, and partnered with blockchain analytics company Chainalysis to screen transactions. Its work with Circle has exposed more than 100 million Brazilians to USDC through the app. One-quarter of first-time crypto buyers on Nubank now choose the stablecoin before Bitcoin.
Brazil's rules changed more significantly than Nubank's own policy. The country's crypto law, Law 14,478/2022, received its operating framework in November 2025, when the Banco Central published Resolutions 519, 520, and 521. They have been in force since 2 February 2026.
Exchanges, custodians, and brokers serving Brazilian customers now require prior authorisation from the Banco Central. They must hold between R$10.8 million and R$37.2 million in capital and separate client assets from company funds. Existing providers have until 30 October 2026 to apply for authorisation. Those that do not apply must wind down and give customers 30 days to move their assets.
These rules affect Nubank customers directly. Resolution 521 classifies stablecoin transfers as foreign exchange operations, bringing dollar-token movements under the same reporting requirements as wire transfers. Offshore exchanges are responding by localising their Brazilian operations. As part of this shift, Bybit will move eligible Brazilian accounts to a Brazil-based entity on 24 September 2026. The local entity will provide fiat services only in reais and limit its products to those allowed under Brazilian rules.
About Nubank
David Vélez, Cristina Junqueira, and Edward Wible founded Nubank in São Paulo in 2013 to offer a no-fee credit card managed through an app. It has grown into Latin America's largest digital financial institution, serving more than 115 million customers in Brazil and over 135 million across Brazil, Mexico, and Colombia. Nu Holdings has traded on the New York Stock Exchange under the ticker NU since December 2021.
The Brazilian group operates through Nu Pagamentos S.A. as a payment institution. It also has a credit company, structured as a Sociedade de Crédito, Financiamento e Investimento, and a securities brokerage. These businesses are supervised by the Banco Central do Brasil and the CVM, Brazil's securities regulator. Nubank agreed to acquire Banco Porto Real de Investimentos in July 2026. The deal adds a full banking licence to the conglomerate and satisfies the rule that only authorised banks may describe themselves as banks.
Nubank has followed a similar approach overseas. Its Mexican business received final banking authorisation in July 2026, placing it in direct competition with institutions such as Banorte and Banamex, whose crypto policies we cover separately.
The Nubank account combines a yield-bearing balance with the Pix instant payment system. This same infrastructure allows customers to fund an exchange quickly from their Nubank balance.
Bottom Line
Nubank offers Brazilian crypto buyers an unusual combination: a convenient in-app product and unrestricted Pix access for external purchases. Nubank Cripto works well for small recurring buys, particularly after the April fee reductions. Its limitations are significant, though. Twenty-five of the 29 available tokens cannot leave the app, while the single-price model cannot compete with an order book on cost.
For the larger part of a Nubank customer's portfolio, Bybit remains our preferred option. Pix deposits are free and usually credit within seconds. Its 0.10% spot fee keeps the trading cost of a R$5,000 order close to R$5, while the September transition to a Brazilian entity addresses the licensing requirement facing every offshore exchange under the Banco Central's new regime.
Increase your daytime Pix limit one day before a large purchase. Track monthly disposals against the R$35,000 thresholds, and export Bybit statements each month now that DeCripto requires monthly reporting for activity on foreign platforms.
