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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.
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At the end of November 2025, the Central Bank and the National Monetary Council decided to prohibit financial institutions from using terms in their names that suggest an activity for which they do not have specific authorization.
With the request for a banking license for 2026, Nubank seeks to comply with this resolution and consolidate its position among regulated institutions as a bank in the country, emphasizing that the adjustment is regulatory and not commercial.
The central message is that the move brings the brand closer to the club of major regulated Brazilian banks, but without altering the everyday relationship with the public.
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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