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Social Impact

Financial Inclusion and Education

As we simplify financial services, as well as set aside common taboos about discussing money in
order to talk about it frankly and intelligently, we help remove historical barriers to access and
empower people to take control of their finances.

One of our first major steps as a company was to offer a starter credit card, with a low initial spending
limit that gradually increased, giving customers the opportunity to begin building their credit history
responsibly.

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In the Financial Inclusion and Education Report, with research compiled by BSD / Elevate Consulting,
we present Impact
Environmental the estimated
(E) positive impacts we have made on people's lives.

Social Impact (S) ⌵

Customer experience

Talent attraction and retention

Diversity & Inclusion

Social impact
Financial inclusion of our actions
and education

Social impact programs

Personal(G)
Governance Account
⌵ Customers
Corporate Governance
34 5.5
Ethics and Integrity
million million
More Sustainable
Brazilians have felt Businesses Brazilians have
empowered by been included in
Voluntary
Nubank to Commitments
make the financial
their own financial system through
decisions Nubank

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Business Account Customers

46% 35%
of our business of small business
account customers owners confirmed
had Nubank as the they were able to
first financial reduce their level
services provider of business debt
for their business after becoming
Nubank customers

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Environmental Impact (E)

Social Impact (S) ⌵

Customer experience

Talent attraction and retention

Diversity & Inclusion

Financial inclusion and education

Social impact programs

Governance (G) ⌵

Corporate Governance

Ethics and Integrity

More Sustainable Businesses

"I didn’t have an account. I used my husband’s account. So it was difficult because the transfer fee was expensive, sometimes the transfer fee was more
expensive than the lunch box. So sometimes I even lost a client because of this"
Voluntary Commitments

Graciete Onorato, Nubank customer since 2020

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We develop solutions that promote applied financial education and help people take
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greater control over their lives.

Encourage customers to save through our app’s “Save Money” functionality

Discounts for early payment of credit card installments

Donos do pedaço

In December 2021, during our IPO process, we launched the NuSócios (NuPartners) program, making 7.5 million customers our
partners through the donation of a BDR to each of them.

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Environmental Impact (E)

Financial
Social ImpactEducation
(S) ⌵ Content

Customer experience

Talent attraction and retention

We publish financial education content on our blog, YouTube channel and other social media. And we want to go further, helping
our customers get organized to make and activate their plans!
Diversity & Inclusion

Any plan. From

Financial the biggest
inclusion to the smallest. From the most complex to the simplest. Plans to buy a house or pay bills on time.
and education

Here areimpact
Social storiesprograms
of people who have made plans and how Nubank has stood by their side on their journey to make them happen.

Governance (G) ⌵

Corporate Governance

Ethics and Integrity

More Sustainable Businesses

Voluntary Commitments

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Our blog has had more than 186 million views since its launch in 2018.

Our content reach on social media:

2,2M 2,3M 543k

3,9M 1.000.000 91k

Access the PDF version of our Nu Impact Journey report

Nu Pagamentos S.A. 18.236.120/0001-58. Rua Capote Valente, 39 - São Paulo, SP - 05409-000

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