Nubank Customers Saved R$ 159 Million in One Year Through Partnership

Nubank enters 2026 with more than 110 million customers in Brazil – approximately 61% of the adult population. Together, they have already saved R$ 111 billion in fees. But the company wants to go further by rewarding the trust of its customer base, and has been promoting a series of actions and launches to strengthen ties with customers, especially the 60% who have Nu as their main banking relationship.

With the goal of optimizing the entire customer financial journey, Nubank has boosted customers’ ability to save money. Partnerships with companies like Uber, iFood, Shopee, OpenAI, and Burger King generated savings of R$ 158.8 million for its customer base by 2025.

Livia Chanes, CEO of Nubank Brazil, detailed these initiatives in the first episode of the 2026 Nu Videocast. Among them are also the Turbo Boxes, launched in 2025, which combine higher returns and immediate liquidity. “You bring your money, you receive something in return. People expect more balanced relationships [with their financial institutions],” the CEO emphasizes. “Transparency is essential.”

And recognition of engagement doesn’t only come when there’s money to spare, Livia points out. In 2025, Nubank launched its largest debt renegotiation program in history, recognizing the ability of more than 6 million customers to restructure their finances and helping them build a more solid financial future.

This is a constant concern, and it goes beyond one-off programs. The company estimates that more than 75% of customers who defaulted on their payments resolved their situation within 12 months. In parallel, the portfolio of secured loans, such as payroll loans and FGTS (Brazilian employee severance fund) advances, grew by 133% in value.

Impact beyond the base

The effects of Nubank’s growth — and that of fintechs more broadly — have also been felt in the financial system. A study by the International Monetary Fund (IMF) attributed a 2.9 percentage point drop in interest rates in Brazil to increased competition in the sector, highlighting the role of digital platforms.

Amid debates in the sector regarding taxation, Livia also stated that Nubank was the financial institution that paid the most taxes in absolute terms in Brazil in 2025, based on publicly available data released in company results.

Results and recognition

The advantages of deepening customer relationships are also reflected in business gains, with average monthly revenue per active customer reaching a record US$13.5 in the country in the third quarter. 

And the economies of scale are accompanied by new records and recognition in customer service as well. “I always say that, because we are digital, we need to be 10 times more human,” emphasizes Lívia. And this mindset pays off. In 2025, Nubank remained, for four consecutive quarters, the financial institution with the lowest complaint rate in the Central Bank’s ranking. In October, it received the Reclame Aqui award for the ninth year in a row.

It may seem like the finish line, but Livia echoes the company culture by rejecting the idea of a done deal. “We will continue improving our products and are growing in new verticals,” says the CEO, highlighting those under 18 and micro, small, and medium-sized enterprises. “We’ve reached 61% of the adult population. There’s still another 39%, right?” she jokes. “Even when we reach all Brazilians, there will still be a long way to go.”