12 Best Nubank Business Alternatives & Competitors (2026)

Ramp is a US spend-management platform offering corporate cards, automated expense tracking, and AI-powered savings insights. It provides strong accounting integrations and rewards but lacks native Pix or boleto support, making reconciliation harder for Brazilian teams. Pricing is usage-based with no monthly fees, contrasting Conta Simples contact-based model and local payment focus.

Brex provides corporate cards, spend management and banking services primarily for US startups and scale-ups. It emphasizes instant card limits based on credit rather than cash collateral and offers strong travel and software rewards. Compared with STARK BANK, Brex targets faster self-serve onboarding and broader US-centric integrations but lacks the same localized Brazilian operational focus and may require separate solutions for PIX or local compliance.

Adyen provides unified global payment processing with strong enterprise features, local acquiring, and advanced risk tools. It often costs less than Stripe for high-volume merchants and offers deeper customization, though it requires more technical resources to implement than Stripe's developer-friendly approach.

Ramp is a US spend-management platform offering corporate cards, automated expense tracking, and AI-powered savings insights. It provides strong accounting integrations and rewards but lacks native Pix or boleto support, making reconciliation harder for Brazilian teams. Pricing is usage-based with no monthly fees, contrasting Conta Simples contact-based model and local payment focus.

Expensify specializes in receipt scanning and expense reporting with broad ERP syncs. It lacks native corporate cards and Brazilian payment rails, requiring separate card providers. Teams comparing it to Conta Simples often note weaker real-time dashboards and no global USD account without IOF.

Mercury offers business banking, treasury and card products aimed at startups and tech companies, mainly in the US. It provides strong API access and multi-entity support. In contrast to STARK BANK, Mercury focuses on developer-friendly banking infrastructure rather than comprehensive spend-control suites for non-US markets.

Adyen supplies global payment processing, issuing and financial products with strong enterprise integrations. It focuses on unified commerce and customizable reporting. In comparison to STARK BANK, Adyen is broader in payment acceptance yet less specialized in day-to-day spend governance and operational efficiency for Brazilian finance teams.

SAP Concur focuses on enterprise travel and expense management with policy enforcement. It excels at compliance reporting but requires third-party cards for Brazilian use cases. Conta Simples offers simpler card issuance and local payments without the heavy implementation typical of Concur.

Caju is a Brazilian employee-benefits and spend platform with prepaid cards and basic expense tracking. It offers local Pix support but fewer AI insights and no international USD account. Pricing is subscription-based, positioning it as a lighter alternative for smaller teams than Conta Simples enterprise features.

Chase offers corporate cards and treasury services with robust reporting. It targets large enterprises and provides global reach yet has minimal Brazilian payment support. Conta Simples differentiates with faster virtual card creation and AI insights tailored to Brazilian spend patterns.

Pleo provides European virtual cards and expense automation with receipt capture. It supports multi-entity control similar to Conta Simples cost centers but focuses on EU compliance rather than Brazilian Pix flows. Pricing is per-card subscription, differing from Conta Simples cashback incentives.