Nubank Races To Become A Real Bank By 2026, Seeks Official License From The Central Bank After New CMN Rule, Promises To Keep Everything The Same For 110 Million Customers While Aiming To Join The Club Of Major Regulated Brazilian Banks

Written by Maria Heloisa Barbosa Borges

Published on 08/12/2025 at 14:45

Nubank pede licença bancária ao Banco Central em 2026, garante estabilidade aos clientes e reforça compromisso com a regulação financeira no Brasil.

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Nubank Says That The Future Banking License In Brazil Does Not Change Fees Or Products In Daily Life, Claims That It Follows All The Rules, Operates As A Payment Institution, Financial And Brokerage, And Just Adjusts The Group To The Recent Decision Of The Central Bank And CMN On The Use Of The Word Bank.

Nubank announced on this Wednesday, December 3, 2025, that it intends to obtain a banking license in Brazil starting in 2026, aligning the group with a resolution recently issued by the Central Bank and the National Monetary Council regarding the use of the word bank by financial institutions.

According to a press release, the company stated that the intended change will have no impact on customers and that all operations will continue normally, emphasizing that the inclusion of a banking institution in the conglomerate does not significantly alter the additional capital and liquidity requirements already met by the group.

New Resolution From BC And CMN Pressures Financial Institutions

The announcement from Nubank comes just a few days after an important change in the rules of the financial sector.

ARTICLE CONTINUES BELOW

How Nubank Works Today And What Licenses It Already Has

In the press release on Wednesday, Nubank is keen to remember that it already meets all regulatory requirements in effect. The company claims to operate today with licenses as a Payment Institution, Credit, Financing, and Investment Company, and Securities Brokerage, according to the note sent to the press.

According to the text, the future banking institution will be incorporated into the conglomerate as another piece of this structure.

The company highlighted that the inclusion of a banking institution does not imply material changes to the additional capital and liquidity requirements, ensuring that the group’s financial solidity and resilience remain unchanged even with the new corporate structure.

Impact Of The Change For Nubank Customers

Nubank reinforced that the intended change will have no impact on customers and that all operations continue normally.

In practice, the company wants to make it clear that the request for a banking license is a move aimed at regulation, not an immediate redesign of products, fees, or services that are already part of users’ routines.

In the same statement, the institution reminds that it has more than 110 million customers in Brazil and that this audience will continue to be served under the same conditions already known.

The message is one of continuity: Nubank is working to officially enter the group of banks regulated by the Central Bank while maintaining its current operation, sustained by the licenses it already holds in the financial system.

Details Of The Announcement And Next Steps

According to a dispatch from Reuters, Nubank’s announcement was made at 2:39 PM on December 3, 2025, and updated at 2:43 PM the same day, in line with the recent timeline of decisions by the Central Bank and CMN at the end of November.

The timing reinforces the view that the request for a license is a direct response to the new rule regarding the use of terms associated with banking activities.

From now on, Nubank enters the planned phase of requesting a banking license for 2026.

The institution did not detail steps or timelines beyond this horizon, but insists on the message that the journey to formal bank status will not alter the current operation of services for the end user, who will continue to use the channels and services in the same way while the regulatory process advances.

And you, do you think that Nubank becoming a regulated bank really changes anything in practice for customers, or is it just a regulatory formality on paper?

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Jorge macedo dos Reis

#208255

13/12/2025 06:11

Gue bom ouvir boa notícias parabéns

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Gessi Freitas de Oliveira

#208040

12/12/2025 10:29

Muito bom, merecidamente

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Nubank Races To Become A Real Bank By 2026, Seeks Official License From The Central Bank After New CMN Rule, Promises To Keep Everything The Same For 110 Million Customers While Aiming To Join The Club Of Major Regulated Brazilian Banks

New Resolution From BC And CMN Pressures Financial Institutions

How Nubank Works Today And What Licenses It Already Has

Impact Of The Change For Nubank Customers

Details Of The Announcement And Next Steps

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Nubank Races To Become A Real Bank By 2026, Seeks Official License From The Central Bank After New CMN Rule, Promises To Keep Everything The Same For 110 Million Customers While Aiming To Join The Club Of Major Regulated Brazilian Banks

New Resolution From BC And CMN Pressures Financial Institutions

How Nubank Works Today And What Licenses It Already Has

Impact Of The Change For Nubank Customers

Details Of The Announcement And Next Steps

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Where there was only sand and wind at 40 degrees, China built a megacity of 500,000 inhabitants with farms, wineries, and universities in the middle of the desert using melted glacier water from hundreds of kilometers away.

At over 8,800 meters above sea level, the summit of Mount Everest is made up of rocks that originated at the bottom of an ocean about 500 million years ago and were pushed to the highest point on Earth by the collision of tectonic plates.

The German economist Wolf-Peter Schill has no doubts: “Electric cars are already far superior to cars with internal combustion engines.”

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Roraima bets on the sun to escape high tariffs: Amid the energy crisis and price hikes, solar energy is growing in Roraima and transforming consumption in the North region.

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