Nubank is classified as a fintech, that is, it is a company that seeks to bring technological solutions to the financial market. Thus, the company is a digital bank that intends to overthrow bank bureaucracies in its services. In this sense, the novelty of Nubank are the international transactions for accounts of legal entities (PJ).
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Nubank will now release international transfers to corporate accounts. This means that accounts with the categories MEI, EI, EIRELI, LTDA, Individual Real Estate Company and Unipersonal Law Firm will be able to make and receive transfers from other countries. The development of this novelty was due to the bank's new partnership with Remessa Online, through which transactions will be carried out.
However, to carry out the procedure you must use your Nubank application, going to the “Transfer Internac” section. and proceeding from there to transfer or receive values. Then, the application itself will direct you to Remessa Online.
To make an international transaction, there are some conditions such as charging some amounts. In this way, the IOF (Tax on Financial Operations) and two other fees are charged by Nubank: the administrative fee or spread and the external fee.
The first is for Remessa Online, for which 0.99% must be paid for the first two transfers, which then rises to an average of 1.3%, varying depending on the amount and currency. However, for Nubank customers, this fee will be reduced by 15%. The second fee always varies according to the currency and amount, but for Nubank customers, transactions over 15,000 reais will be exempt from this fee.
Also, the last condition is that you cannot transfer any starting amount, there is an annual limit for each type of account. For example, for MEI accounts, the maximum amount per year is BRL 56,700, but for LTDA it is BRL 300,000. However, you don't have to worry if you find the value low, as it is possible to increase this limit, that is, it does not mean that this value will be the same forever.
