10 Best Nubank Business Alternatives & Competitors (2026)

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.

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.

Ramp delivers corporate cards and automated expense management with AI categorization and built-in savings features. It is popular with US companies seeking zero-fee cards and real-time accounting sync. Relative to STARK BANK, Ramp offers quicker deployment and transparent pricing yet provides less emphasis on enterprise-scale operational efficiency tooling tailored to Brazilian regulatory environments.

Caju is a Brazilian spend management and benefits platform offering corporate cards and real-time controls. It serves local companies needing PIX integration and simplified expense tracking. Versus STARK BANK, Caju provides lighter-weight tools suitable for smaller teams but offers fewer advanced data-intelligence features for large-scale operations.

Pleo provides smart corporate cards and spend management across Europe with automated reconciliation. It targets mid-market companies wanting easy policy enforcement. Relative to STARK BANK, Pleo offers simpler European-focused workflows but lacks deep Brazilian market localization and enterprise-scale data analytics.

Soldo delivers multi-user prepaid cards and spend control dashboards mainly for European SMEs. It emphasizes real-time visibility and integrations with accounting software. Compared with STARK BANK, Soldo is lighter on advanced intelligence features and not optimized for Brazilian regulatory or payment rails.

Expensify focuses on receipt capture, expense reporting and reimbursement automation. It is widely used by companies needing simple policy compliance. Unlike STARK BANK, Expensify does not provide core banking or card issuing, positioning it as a complementary rather than full replacement tool.