Introduction
A life across borders often means money spread across apps, rates and fees. Nu Global brings four jobs into one Multi-currency Account: Earn, Send & Receive, Diversify and Spend.
Each chapter follows one real situation and points to a detailed guide. Nu Global comes from Nu, part of Nu Holdings (NYSE: NU), with over 140 million customers.
Key details
Earn: your balance works while it waits
Say you freelance and clients pay you from abroad. Between invoices, some income sits in digital dollars (USDC). That balance earns up to 3.5%, and digital euros (EURC) earn 2.2%, credited daily, no lock-up.
USDC and EURC are stablecoins, designed to hold a steady value against the US dollar and the euro.
Send & Receive: fair transfers between Latin America and Europe
Now say you live in Europe and support family in Latin America. Nu Global sends to more than 35 countries across both regions, at the real mid-market rate.
Nu charges no fee, though the receiving bank or local network may charge its own. You see the exact amount your family receives before you confirm.
They don’t need a Nu account. If they do, send with their Nu ID, a short @handle.
Diversify: digital assets, inside the account you already use
Maybe you’re curious about Bitcoin but would never open a separate platform. Diversify lets you buy and sell a curated selection of digital assets, including Bitcoin and Ethereum, from the same balance.
Each transaction costs 0.8%. You see the price and final amount before you confirm.
USDC and EURC are the stable part. Digital assets are market-priced, so their prices can go up or down. This is not a recommendation to buy or sell.
Spend: a virtual card for a life in more than one currency
Travelling or shopping abroad? The virtual Mastercard spends from your digital dollar (USDC) balance.
Nu adds no foreign transaction fee, conversion fee or international surcharge. Mastercard handles the conversion at its own rate.
For an unfamiliar site, create a temporary card that expires after 24 hours. Freeze or delete any card in the app. Google Pay and Samsung Pay work too.
Conclusion
One account, four jobs, one balance, with safety in every chapter.
Balances are secured by a default guarantee from a Swiss bank, to the extent required by law. Nu Global AG is a VQF member, a self-regulatory organisation recognised by FINMA. Real people answer in the app, 24/7.
Availability varies by region. Pick the job you need most, then Learn more about the protection built into every step.
