Nu Holdings (NYSE: NU) director Anita Sands reports 183,150-share ownership position

Rhea-AI Filing Summary

Nu Holdings Ltd. director Anita M. Sands filed an initial ownership report showing she holds 183,150 Class A ordinary shares as of March 18, 2026. This figure includes 13,962 Class A ordinary shares underlying unvested restricted share units that will vest only if her service continues through the vesting dates.

SEC Form 3

FORM 3

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

INITIAL STATEMENT OF BENEFICIAL OWNERSHIP OF SECURITIES

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

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1. Name and Address of Reporting Person^*

Sands Anita M

(Last) (First) (Middle)

C/O NU HOLDINGS LTD

RUA CAPOTE VALENTE, 39

(Street)

SAO PAULO 05409-000

(City) (State) (Zip)

UNITED STATES

(Country)

2. Date of Event Requiring Statement (Month/Day/Year)
03/18/2026

3. Issuer Name and Ticker or Trading Symbol
Nu Holdings Ltd. [ NU ]

3a. Foreign Trading Symbol

5. If Amendment, Date of Original Filed (Month/Day/Year)

4. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director		10% Owner
	Officer (give title below)		Other (specify below)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Beneficially Owned
1. Title of Security (Instr. 4)	2. Amount of Securities Beneficially Owned (Instr. 4)	3. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	4. Nature of Indirect Beneficial Ownership (Instr. 5)
Class A ordinary shares par value US$0.000006666666667	183,150(1)	D

Table II - Derivative Securities Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 4)	2. Date Exercisable and Expiration Date (Month/Day/Year)		3. Title and Amount of Securities Underlying Derivative Security (Instr. 4)		4. Conversion or Exercise Price of Derivative Security	5. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	6. Nature of Indirect Beneficial Ownership (Instr. 5)
	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

1. Figure includes 13,962 Class A Ordinary Shares underlying unvested Restricted Share Units (RSUs) associated with prior grant(s). Each RSU represents a contingent right to receive one Class A Ordinary share. These RSUs are subject to the Reporting Person's continued service through the vesting date.

Remarks:

Exhibit List - Exhibit 24.1 - Power of Attorney

	/s/ Beatriz Outeiro, attorney-in-fact for Anita Mary Sands	03/18/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 5 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.
* Form 3: SEC 1473 (03-26)

FAQ

What does Anita M. Sands report owning in Nu Holdings Ltd. (NU)?

Anita M. Sands reports beneficial ownership of 183,150 Class A ordinary shares of Nu Holdings Ltd. as of March 18, 2026. This total includes both currently held shares and unvested restricted share units contingent on continued service.

What portion of Anita M. Sands’ NU holdings are unvested RSUs?

Her reported position includes 13,962 Class A ordinary shares underlying unvested restricted share units (RSUs). Each RSU represents a contingent right to receive one share, subject to her continued service through the respective vesting dates.

Is Nu Holdings Ltd. director Anita M. Sands’ ownership direct or indirect?

The filing shows direct ownership of the reported Class A ordinary shares. The nature of ownership is coded as direct, and there is no indication in the footnotes of separate entities or indirect holding structures for these shares.

Does Anita M. Sands’ Form 3 for Nu Holdings (NU) show any recent share transactions?

The Form 3 reflects initial beneficial ownership rather than new purchases or sales. The transaction entry is characterized as a holding, with no buy or sell codes, indicating disclosure of an existing position at the reporting date.

How do Anita M. Sands’ RSUs in NU vest according to the filing?

The unvested RSUs vest only if she continues service through the applicable vesting dates. Each RSU converts into one Class A ordinary share upon vesting, aligning a portion of her compensation with ongoing involvement at Nu Holdings Ltd.