Nu Holdings launches U.S. banking with 3.5% APY

Nu Holdings Ltd. begins U.S. operations and launches Nu Global, a multi-currency, high-yield account with partner-bank support and stablecoin-based yields.

Rhea-AI Filing Summary

Nu Holdings Ltd. (NU) announced that it has begun operations in the United States as of September 10, 2026, launching a full suite of financial products and introducing Nu Global, a new multi-currency digital account. In the U.S., Nu is partnering with FDIC-insured Lead Bank to offer deposit accounts yielding 3.50% APY, fee-free domestic and international transfers, and a no-annual-fee credit card with unlimited 1.5% cashback.

Nu Global is described as a multi-currency, high-yield account supporting fast and free transfers across 35+ countries, initially focused on flows between Europe and Latin America, with Brazil, Colombia, Mexico, and the U.S. planned. Deposits converted into USDC earn 3.50% APY and into EURC earn 2.20% APY, and the account is paired with a virtual card for global spending. Customers may also hold and trade selected digital assets, including Bitcoin and Ethereum. Nu states it applied for a national bank charter with the U.S. Office of the Comptroller of the Currency in 2025 and received preliminary conditional approval in January 2026, while current U.S. products operate through a partner-bank model.

Key Figures

U.S. deposit account yield: 3.50% APY Credit card cashback rate: 1.5% cashback Nu Global USDC yield: 3.50% APY +4 more

7 metrics

U.S. deposit account yield 3.50% APY Daily yield on U.S. deposit accounts offered via Lead Bank

Credit card cashback rate 1.5% cashback Unlimited cashback on no-annual-fee U.S. credit card

Nu Global USDC yield 3.50% APY Yield on deposits converted into U.S. dollar-pegged stablecoin USDC

Nu Global EURC yield 2.20% APY Yield on deposits converted into euro-pegged stablecoin EURC

Nu Global country coverage 35+ countries Fast and free money transfers available across these markets

Preliminary conditional approval date January 2026 Preliminary conditional approval of national bank charter application

U.S. launch date September 10, 2026 Commencement of operations in the United States and Nu Global release

Key Terms

national bank charter, preliminary conditional approval, FDIC-insured, multi-currency digital account, +2 more

6 terms

national bank charter regulatory

"applied for a national bank charter with the U.S. Office"

A national bank charter is a federal license that allows a bank to operate under national rules, take deposits, make loans, and participate in payment systems across the country. Think of it as a nationwide driver’s license for a bank: it sets the standards the bank must follow and places it under federal supervision, which matters to investors because it affects safety, growth opportunities, and regulatory costs that influence the bank’s value.

preliminary conditional approval regulatory

"received preliminary conditional approval in January 2026"

FDIC-insured regulatory

"partnering with FDIC-insured Lead Bank to provide deposit accounts"

"FDIC-insured" means that a bank or savings institution is protected by the Federal Deposit Insurance Corporation, which guarantees that depositors will get back their money up to a certain limit if the bank fails. This insurance provides peace of mind, similar to a safety net, ensuring that your savings are protected even if the bank encounters financial trouble. It helps build trust and confidence for people saving or investing their money in banks.

multi-currency digital account financial

"introduced Nu Global, a new multi-currency digital account"

stablecoins financial

"deposits converted into U.S. dollar- and euro-pegged stablecoins"

Stablecoins are a type of digital currency designed to maintain a steady value, often linked to traditional currencies like the dollar or euro. They function like digital cash that offers the convenience of online transactions while avoiding the large price swings common with other cryptocurrencies. This stability makes them useful for investors and users who want a reliable way to store and transfer value without exposure to sudden market changes.

APY financial

"provide deposit accounts with a daily yield of 3.50% APY"

APY, or Annual Percentage Yield, shows how much money an investment or savings account can earn in a year, taking into account both the interest rate and how often that interest is added. Think of it like a snowball growing as it rolls downhill: the more frequently the snowball gains new snow, the faster it gets bigger. For investors, APY helps compare different options to see which one offers the best return over time.

FAQ

What did Nu Holdings Ltd. (NU) announce in this Form 6-K?

Nu Holdings Ltd. began operations in the United States on September 10, 2026, launching a full suite of financial products and introducing Nu Global, a multi-currency digital account with high-yield deposits, money transfers, and a virtual card for global spending.

What U.S. banking products is Nu (NU) offering and through whom?

Nu is offering deposit accounts with 3.50% APY, fee-free domestic and international transfers, and a no-annual-fee credit card with 1.5% cashback, delivered in partnership with FDIC-insured Lead Bank under a partner-bank model.

What is Nu Global and what yields does it offer?

Nu Global is a multi-currency, high-yield account with fast and free transfers across 35+ countries. Deposits converted into USDC earn 3.50% APY, while deposits converted into EURC earn 2.20% APY, and it includes a virtual card for global spending.

Which markets and corridors does Nu Global initially target for Nu (NU)?

Nu Global initially supports international money transfers between Europe and Latin America, with Brazil, Colombia, Mexico, and the United States identified as planned markets within these transfer corridors.

What U.S. regulatory status has Nu Holdings Ltd. (NU) disclosed?

Nu stated it applied for a national bank charter with the U.S. Office of the Comptroller of the Currency in 2025 and received preliminary conditional approval in January 2026. Current U.S. products are being launched through a partner-bank model during this interim period.

Does Nu Global allow trading of digital assets for Nu (NU) customers?

Yes. Nu Global customers may hold and trade a curated selection of digital assets, including Bitcoin and Ethereum, alongside stablecoin-based deposit features and multi-currency money transfer capabilities.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Available on EDGAR 09/10/2026 - 11:33 AM Accepted by SEC EDGAR 09/10/2026 - 11:33 AM Learn about SEC filing dates

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 6-K

Report of Foreign Private Issuer Pursuant to Rule 13a-16 or 15d-16 of the Securities Exchange Act of 1934

For the month of September, 2026

Commission File Number 001-41129

Nu Holdings Ltd.

(Exact name of registrant as specified in its charter)

Nu Holdings Ltd.

(Translation of Registrant's name into English)

Campbells Corporate Services Limited, Floor 4, Willow House, Cricket Square, KY1-9010 Grand Cayman, Cayman Islands

+1 345 949 2648

(Address of principal executive office)

Indicate by check mark whether the registrant files or will file annual reports under cover Form 20-F or Form 40-F.

Form 20-F (X) Form 40-F

Indicate by check mark whether the registrant by furnishing the information contained in this Form is also thereby furnishing the information to the Commission pursuant to Rule 12g3-2(b) under the Securities Exchange Act of 1934.

Yes No (X)

 

NOTICE TO THE MARKET

NU HOLDINGS LTD.

Grand Cayman, Cayman Islands, September 10, 2026 — Nu Holdings Ltd. ("Nu" or the "Company") (NYSE: NU) hereby informs its shareholders and the market that, on September 10, 2026, it commenced its operations in the United States with the launch of a full suite of financial products and introduced Nu Global, a new multi-currency digital account.

In the United States, Nu is partnering with FDIC-insured Lead Bank to provide deposit accounts with a daily yield of 3.50% APY, together with fee-free domestic and international money transfers and a no-annual-fee credit card offering unlimited 1.5% cashback. The Company applied for a national bank charter with the U.S. Office of the Comptroller of the Currency in 2025 and received preliminary conditional approval in January 2026; the U.S. products are being launched in the interim through a partner-bank model.

Nu Global is a new multi-currency, high-yield account with fast and free money transfers available across 35+ countries. It enables international money transfers (initially between Europe and Latin America, with Brazil, Colombia, Mexico, and the U.S. planned), offers yields of 3.50% and 2.20% APY on deposits converted into U.S. dollar- and euro-pegged stablecoins (USDC and EURC), respectively, and is paired with a virtual card for global spending. Nu Global customers may also hold and trade a curated selection of digital assets, including Bitcoin and Ethereum.

Both offerings will be released starting September 10, 2026. Additional information is available at nu.com.

Investor Relations

Guilherme Souto

investors@nubank.com.br

Media Relations

Simone Iwasso

press@nubank.com.br

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.

	Nu Holdings Ltd.
	By:	/s/ Guilherme Souto
		Guilherme Souto Investor Relations Officer

Date:  September 10, 2026