{"id":4968,"date":"2026-10-15T11:14:35","date_gmt":"2026-10-15T16:14:35","guid":{"rendered":"https:\/\/blog.nu.com\/?p=4968"},"modified":"2026-10-15T12:49:33","modified_gmt":"2026-10-15T17:49:33","slug":"introducing-nu-one-global-account-to-earn-spend-and-move-money-worldwide","status":"publish","type":"post","link":"https:\/\/blog.nu.com\/es\/nu\/noticias-es\/introducing-nu-one-global-account-to-earn-spend-and-move-money-worldwide\/","title":{"rendered":"Conoce Nu: una cuenta global para ganar, gastar y mover dinero por el mundo"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Vivir entre pa\u00edses suele implicar varias apps, tipos de cambio poco claros y comisiones que descubres tarde. Seg\u00fan el <a href=\"https:\/\/www.nasdaq.com\/press-release\/nu-takes-next-step-international-expansion-launch-united-states-and-introduction-nu\">anuncio de lanzamiento de Nu<\/a>, con datos del Banco Mundial, m\u00e1s de 300 millones de personas viven y trabajan entre pa\u00edses. Pierden cerca del 6% en comisiones y m\u00e1rgenes cambiarios.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Nu Global re\u00fane todo en una cuenta multimoneda. <a href=\"https:\/\/nu.com\/en\/newsroom\/company\/nu-united-states-nu-global\">Se anunci\u00f3 el 10 de septiembre de 2026<\/a>. As\u00ed funciona en tu d\u00eda a d\u00eda.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Puntos clave<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Una cuenta guarda d\u00f3lares digitales (USDC) y euros digitales (EURC).<\/li>\n\n\n\n<li>Gana hasta 3.5% en USDC y 2.2% en EURC, con abono diario; las tasas pueden cambiar.<\/li>\n\n\n\n<li>Env\u00eda dinero a m\u00e1s de 35 pa\u00edses sin comisi\u00f3n de Nu, aunque el banco receptor puede cobrar la suya.<\/li>\n\n\n\n<li>Paga con una tarjeta virtual sin comisi\u00f3n de Nu por transacciones en el extranjero.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Qu\u00e9 es Nu Global<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Nu es una <a href=\"https:\/\/nu.com\/global\">cuenta digital multimoneda<\/a> que manejas desde la Nu App. Es independiente de las operaciones locales de Nu.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tu cuenta guarda dos stablecoins, monedas digitales dise\u00f1adas para mantener un valor estable. Los <a href=\"https:\/\/www.circle.com\/usdc\">d\u00f3lares digitales (USDC)<\/a> est\u00e1n dise\u00f1ados para mantenerse ligados al d\u00f3lar estadounidense, y los <a href=\"https:\/\/www.circle.com\/eurc\">euros digitales (EURC), al euro<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Con ese saldo puedes ganar, gastar, enviar dinero y comprar activos digitales.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Detr\u00e1s est\u00e1 Nu Holdings (NYSE: NU), con <a href=\"https:\/\/nu.com\/en\/about\">m\u00e1s de 140 millones de clientes<\/a> en el mundo.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Gana rendimientos mientras tu dinero espera<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Tu cuenta gana rendimientos por defecto, sin activar nada.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/nu.com\/global\/en\/for-you\/earn\">Tu saldo gana hasta 3.5%<\/a> en d\u00f3lares digitales (USDC) y 2.2% en euros digitales (EURC). Los rendimientos se abonan a diario. Las tasas pueden cambiar.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sin permanencia ni aviso previo: gasta, env\u00eda o convierte cuando quieras.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Nu puede retrasar o bloquear una transacci\u00f3n cuando la ley lo exija o detecte un riesgo de seguridad.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Paga en todo el mundo con una tarjeta virtual<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Primero, los l\u00edmites: no hay tarjeta f\u00edsica ni retiros de efectivo. Los euros digitales (EURC) se convierten a d\u00f3lares digitales (USDC) antes de pagar.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/nu.com\/global\/en\/for-you\/spend\">Tu tarjeta virtual Mastercard<\/a> usa tu saldo en d\u00f3lares digitales (USDC). \u00dasala en l\u00ednea o en tiendas donde acepten Mastercard, tambi\u00e9n con Google Pay o Samsung Pay.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Nu no cobra comisi\u00f3n por transacciones en el extranjero, por conversi\u00f3n ni recargos internacionales. Mastercard hace cualquier conversi\u00f3n a su tipo de cambio aplicable. Al pagar, elige la moneda local: as\u00ed convierte Mastercard, no el comercio.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En sitios desconocidos, crea una tarjeta virtual temporal que vence en 24 horas. Puedes congelar cualquier tarjeta en la app.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Env\u00eda y recibe dinero entre pa\u00edses<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Puedes <a href=\"https:\/\/nu.com\/global\/en\/for-you\/send-and-receive\">enviar dinero a m\u00e1s de 35 pa\u00edses<\/a> de Am\u00e9rica Latina y Europa. Quien recibe no necesita cuenta Nu.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dos formas de enviar:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>A otro cliente de Nu:<\/strong> usa su Nu ID, un nombre de usuario corto que empieza con @.<\/li>\n\n\n\n<li><strong>A una cuenta bancaria en el exterior:<\/strong> ingresa sus datos locales; la app pide solo lo necesario.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Nu no cobra comisi\u00f3n por transferencia, pero el banco receptor o la red local pueden cobrar la suya.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Las transferencias usan el tipo de cambio real de mercado (mid-market), el punto medio entre lo que pagan compradores y vendedores. Nu no agrega margen. Antes de confirmar con tu PIN, ves el tipo de cambio y el monto exacto a recibir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Por transacci\u00f3n: m\u00ednimo US$1, m\u00e1ximo US$10,000.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Protecci\u00f3n integrada en cada paso<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">As\u00ed funciona la protecci\u00f3n.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Nu AG tiene sede en Zug, Suiza. Es <a href=\"https:\/\/nu.com\/global\/en\/why-nu\">miembro de la VQF<\/a>, una <a href=\"https:\/\/www.vqf.ch\/en\">organizaci\u00f3n de autorregulaci\u00f3n<\/a> <a href=\"https:\/\/www.finma.ch\/en\/authorisation\/self-regulatory-organisations-sros\/\">reconocida por la FINMA<\/a>. Los saldos en la Nu App est\u00e1n <a href=\"https:\/\/nu.com\/global\/en\/safety\">respaldados por una garant\u00eda de incumplimiento de un banco suizo, en la medida exigida por la ley<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La biometr\u00eda, la autenticaci\u00f3n multifactor y las alertas en tiempo real ayudan a que tu cuenta sea m\u00e1s segura. Cada transacci\u00f3n pasa por varios controles de seguridad.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Personas reales te ayudan por chat en la app, 24\/7, en seis idiomas.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Preguntas frecuentes<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">\u00bfQui\u00e9n puede abrir una cuenta Nu Global?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Necesitas 18 a\u00f1os o m\u00e1s, pasaporte o documento nacional de identidad vigente y domicilio v\u00e1lido. <a href=\"https:\/\/nu.com\/global\/en\/frequently-asked-questions\">El registro confirma si Nu Global est\u00e1 disponible en tu regi\u00f3n<\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u00bfHay comisiones?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Sin comisiones mensuales, de mantenimiento ni anuales, ni comisi\u00f3n de Nu por transferencia. El banco receptor o las redes de pago locales pueden cobrar las suyas.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u00bfQu\u00e9 son los d\u00f3lares digitales?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Los d\u00f3lares digitales son USDC, una stablecoin dise\u00f1ada para mantener un valor estable frente al d\u00f3lar estadounidense.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u00bfPuedo comprar activos digitales?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">S\u00ed, de una selecci\u00f3n cuidada, a 0.8% por transacci\u00f3n. Los precios pueden subir y bajar; podr\u00edas recuperar menos de lo que pusiste.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Este contenido es parte de la misi\u00f3n de Nu de devolverles a las personas el control de sus finanzas. Conoce m\u00e1s sobre nuestros productos y nuestra historia <a href=\"https:\/\/nubank.com.br\/\">aqu\u00ed<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Una cuenta global con d\u00f3lares digitales (USDC) y euros digitales (EURC): gana a diario, paga y env\u00eda dinero entre pa\u00edses. Conoce c\u00f3mo funciona Nu Global.<\/p>\n","protected":false},"author":16,"featured_media":4969,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"featured_image_mobile":0,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[108,75],"tags":[],"class_list":["post-4968","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-noticias-es","category-nu"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Nu: una cuenta global para ganar, gastar y enviar<\/title>\n<meta name=\"description\" content=\"Una cuenta global con d\u00f3lares digitales (USDC) y euros digitales (EURC): gana a diario, paga y env\u00eda dinero entre pa\u00edses. 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