Nu Holdings (NU) wins Mexican approval for Nubank México to operate as a bank

Rhea-AI Filing Summary

Nu Holdings Ltd. reports that its subsidiary Nubank México has received Operations Authorization from the Mexican banking regulator Comisión Nacional Bancaria y de Valores to begin operating as a multiple bank. This is described as the final and conclusive step in a transformation process that began with the prior approval of its banking license in April 2025.

Under applicable Mexican banking regulations, Nubank México must start operating as a bank within the next 30 days. The company states that this milestone reinforces its long-term vision and commitment to Mexico and will support further expansion of its credit, payments, and savings product portfolio in the country.

Insights

LatAm banking and fintech analyst

Nu secures final approval to operate as a full bank in Mexico.

Nu Holdings now has Operations Authorization for Nubank México to function as a multiple bank under Mexican regulation. This moves the business from a primarily fintech/payments model toward full banking services, enabling deposit-taking and broader credit and savings offerings subject to local rules.

The authorization is the last step following earlier banking license approval, and regulations require Nubank México to begin operating within 30 days. Execution quality in launching compliant banking operations and scaling products in Mexico will be important for how this regulatory milestone translates into growth and profitability.

Key Terms

Operations Authorization, multiple bank, Comisión Nacional Bancaria y de Valores, Institución de Banca Múltiple

4 terms

Operations Authorization regulatory

"it has received the Operations Authorization from the Comisión Nacional Bancaria"

multiple bank regulatory

"to commence operations as a multiple bank"

Comisión Nacional Bancaria y de Valores regulatory

"from the Comisión Nacional Bancaria y de Valores ("CNBV"), to commence"

Institución de Banca Múltiple regulatory

"Nubank, S.A., Institución de Banca Múltiple ("Nubank México") was notified"

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FAQ

What did Nu Holdings (NU) announce regarding Nubank México?

Nu Holdings announced that Nubank México has received Operations Authorization from the Mexican regulator CNBV to begin operating as a multiple bank. This completes the transformation process initiated with its banking license approval in April 2025.

Which regulator granted Nubank México its Operations Authorization mentioned by NU?

The authorization was granted by the Comisión Nacional Bancaria y de Valores (CNBV), Mexico’s banking and securities regulator. CNBV approved Nubank México’s Operations Authorization to commence activities as a multiple bank under Mexican banking regulations.

When must Nubank México begin operating as a bank according to NU’s 6-K?

Nubank México must begin operating as a bank within the next 30 days under applicable Mexican banking regulations. This timing requirement follows the receipt of Operations Authorization from the CNBV and marks the transition to full banking operations.

How does Nu Holdings (NU) describe the significance of the Mexican Operations Authorization?

Nu Holdings describes the Operations Authorization as the final and conclusive step in Nubank México’s transformation into a bank. The company says this milestone reinforces its long-term vision and commitment to Mexico and supports expanding credit, payments, and savings products.

What products does Nu plan to expand in Mexico after Nubank México’s bank authorization?

Nu indicates that the Operations Authorization will allow further expansion of Nubank México’s portfolio of credit, payments, and savings products. These products are expected to be offered under the new multiple bank status within the Mexican financial system.

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 July, 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 Grand Cayman, Cayman Islands, July 10 th , 2026, Nu Holdings Ltd. ("Nu Holdings", "Nu" or "Company"), hereby informs its shareholders and the market that Nubank, S.A., Institución de Banca Múltiple ("Nubank México") was notifi ed yesterday night that it has received the Operations Authorization from the Comisión Nacional Bancaria y de Valores ("CNBV"), to commence operations as a multiple bank. This Operations Authorization represents the fi nal and conclusive step of the transformation process that was fi rst announced by the Company in its Notice to the Market dated April 24, 2025, in which Nubank México received the approval of its banking license. In accordance with applicable Mexican banking regulations, Nubank México must begin operating as a bank within the next 30 days. This milestone reinforces the long-term vision and commitment of the Company to Mexico and will allow the further expansion of its portfolio of credit, payments and savings products in the country. 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:  July 10, 2026