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Nubank Launches “Recomeço” Campaign with Discounts of Up to 99.9% for Selected Customers to Renegotiate Debts Directly in the App Amid Rising Default Rates and Credit Card Interest Rates in the Country.
How to Clear Your Debt with Nubank Without Miracles or Magic: Fintech Offers Up to 99.9% Discount in New Secret Campaign in the App
Nubank launched, in April 2025, the “Recomeço” campaign, classified by the institution itself as the largest debt renegotiation initiative in its history.
The initiative offers discounts that can reach 99.9%, depending on each customer’s profile and situation, with communication made directly in the app for those who are selected.
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The proposal is to allow consumers to regain financial organization with specific conditions and for a limited time.
How the Renegotiation Works in the Nubank App
Participation is not open to all account holders.
The bank selects eligible customers and sends personalized offers gradually through the app, detailing deadlines, amounts, payment methods, and any additional conditions.
Upon receiving the notification, the customer sees the alternatives and can complete the renegotiation without leaving the app.
According to the fintech, this process aims to simplify and avoid external steps.
Who Is Eligible and How to Know if You Were Selected
Not every user of Nubank is included in the campaign.
The selection takes into account internal eligibility criteria and the customer’s relationship history.
Communication occurs exclusively through the bank’s own channels, especially in the notifications area of the app.
Initially, the action was announced with the potential to reach up to 6 million customers, emphasizing the scale of the program and the progressive sending of messages.
Discount of Up to 99.9%: What It Means in Practice
The percentage “up to 99.9%” represents a possible ceiling for specific cases, not a universal amount.
In other words, the effective discount varies from case to case, depending on the type of debt, the length of delay, and the customer’s financial behavior.
In addition to the discount, the offers may include differentiated payment conditions and negotiated deadlines.
This is a temporary negotiation window, and Nubank itself indicates that proposals are displayed for a limited time in the app.
What the Bank Says
In the announcement of the campaign, Livia Chanes, CEO of Nubank in Brazil, stated that the action aligns with the strategy to simplify customers’ financial lives.
In a statement, she said: “We are committed to providing personalized solutions with the best possible conditions, contributing to long-term financial health.”
The executive emphasized that the institution aims to support those who need to “restart” their budget organization after a period of default.
Step by Step Within the App, Without Miracles
To check if there is an offer, the path is through the official app: upon entering, the customer should check their notifications and, in some cases, areas related to debts or payment solutions.
If there is a proposal, the system details the conditions and presents the next steps for formalization.
If no option appears, it means that there has not yet been a selection for that CPF, and there are no alternative channels or external “shortcuts” that anticipate the discount.
The display of offers is staggered and depends on fitting within the internal criteria of the action.
Financial Education and Transparency as Pillars
Nubank associates the campaign with a financial education agenda and clear communication, asserting that users who engage in renegotiations under adequate conditions tend to improve their indicators over time.
However, there is currently no independently published study that measures the exact impact of this initiative on clients’ budgets after the payment or installment of debts.
The bank indicates that the proposal is to reduce friction, make the terms more understandable, and encourage more conscious decisions, without promises of guaranteed results.
Why the Action Arrives Now: High Default Rates and Rising Interest
The backdrop is an environment of high default rates and historically high interest rates on revolving credit cards.
Recent data from the Central Bank, released on September 29, 2025, shows a general default rate of 3.9% in the total portfolio of the National Financial System in August, with 4.8% in operations for individuals.
In the same context, the revolving credit card reached 451.5% per year, putting pressure on indebted families and increasing the cost of rolling over bills.
This combination helps explain why financial institutions have been expanding renegotiation programs to contain the increase in defaults.
Points of Attention Before Joining
Even though the discounts may be significant, it is essential to read the conditions of the proposal in the app, verify the final amount to pay, and understand the due date and possible consequences for the credit limit.
Renegotiation does not, by itself, resolve the structural causes of indebtedness; the recommendation is to reorganize the budget to avoid accumulating new charges.
If in doubt, it is advisable to consult official customer service channels and avoid external contacts that promise to “mediate” offers, as Nubank notifies directly through the app when there is eligibility.
Where the Campaign Differs
By centralizing everything in the app and offering personalized proposals, the action reduces steps and tries to lower barriers for those who have missed payments and wish to regularize their situation.
On the other hand, as the selection is restricted, some customers may not be included immediately.
This design makes the campaign effective for eligible cases, without turning renegotiation into a generalized measure.
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