I lived in Brazil for a few years. I used Nubank and loved. Easy to use app, transparency and no more in person banks. All the reasons I joined Bunq. But where Nubank has a foot up is trading. They aquired a trading app and integrated it with the banking app which i use to invest. Investing is hard enough without knowing what app to use, the costs etc. If Bunq has something similar, it would be amazing.