Updated October 14, 2026 · VaultCue Editorial Team
Nu Mexico vs Sumeria
Nu Mexico
Sumeria
Higher score in this comparison
Where Nu Mexico and Sumeria differ
| Compare | Nu MexicoReviewSee alternativesSee alternatives | SumeriaReviewSee alternativesSee alternatives |
|---|---|---|
| Monthly fee | MX$0 | €0 |
| Transfer fee | Free: SPEI transfers, no commission | 0 EUR (all transfers free on the free Carte Basique offer) |
| Deposit protection | Not confirmed | EU DGS up to EUR 100,000 |
| Currency conversion fee | Not confirmed | 0% |
| Local account details | Not confirmed | IBAN |
| Free ATM withdrawals | Not confirmed | €250 |
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Key differences
- Founded is lower at Sumeria: 2011 vs 2019.
- Sumeria is available in 1 more country.
- Support channels: only Nu Mexico offers Community.
- Support channels: only Sumeria offers Email.
- Features: only Nu Mexico offers Digital only.
- Features: only Sumeria offers Free ATM.
Our verdict on each
Nu Mexico
Nu Mexico offers an everyday account built around Cajitas Nu for organising money alongside routine spending. The service provides easy-access savings with a structured option for money set apart and appeals to people who prefer managing finances through a digital channel in Mexico.
Sumeria
Sumeria is an easy-access French account with instant access to a French IBAN and a variable rate of 1% to 2%, which suits travellers who want euro banking without a fixed term. It is regulated and deposit protected, so the trade-off is the low rate rather than the safety of the money.
Score breakdown
| Area | Nu Mexico | Sumeria |
|---|---|---|
| Cost | 9.3Higher | 9.1Monthly fee €0 and transfer fee €0, with conversion fee 0%. |
| Offer | 9.8Higher | 9.0 |
| Trust | 8.2 | 8.8Higher |
How they place
| Ranking | Nu Mexico | Sumeria |
|---|---|---|
| Savings accounts | 1276 of 1420 | 442 of 1420 |
Every fact side by side
| Fact | Nu Mexico | Sumeria |
|---|---|---|
| Audience | Not confirmed | Travelers |
| Pricing model | No monthly fee | No monthly fee |
| Features | Digital only | Free ATM |
| Legal entity | Nubank S.A., Institucion de Banca Multiple | Lydia Solutions |
| Headquarters | Mexico | France |
| Founded | 2019 | 2011Lower |
| Support channels | Chat, Phone, Help centre, Community | Email, Help centre, Phone, Chat |
Savings
| Fact | Nu Mexico | Sumeria |
|---|---|---|
| Headline rate | 6.5% to 13%Higher | 1% to 2% |
| Rate type | Fixed | Variable |
| Minimum deposit | MX$0.010 | Not confirmed |
| Access terms | Cajitas Nu pay daily yield and stay available 24/7; optional frozen savings of 7, 28, 90 or 180 days | No commitment, instant access to a French IBAN; Basic offer: up to 2,000 EUR payments and withdrawals per month, 3 free ATM withdrawals per month, card free |
| Account kind | Easy access | Easy access |
Money transfer
| Fact | Nu Mexico | Sumeria |
|---|---|---|
| Exchange rate markup | Not confirmed | 0% |
| Delivery time | Not confirmed | Instant |
| Payout methods | Not confirmed | Bank, Card |
| Fee to send 1,000 | Not confirmed | €0 |
Where each stands against the rest
| Fact | Nu Mexico | Sumeria | Median |
|---|---|---|---|
| Currency conversion fee | Not confirmed | 0%below the median | 0.5% |
| Free ATM withdrawals | Not confirmed | €250above the median | €1 |
Median across 377 listed accounts.
Pros and cons
Nu Mexico
Pros
- Everyday account that organises money through savings pots
- Accessible savings paired with optional frozen savings structure
Sumeria
Pros
- Instant access to a French IBAN with no commitment, so the account works around a trip
- Money sits under EU DGS up to EUR 100,000, and the account runs on a French e-money licence from ACPR with an ORIAS registration
- Transfers arrive in Instant time and payouts go to a bank account or a card (bank and card)
Cons
- The variable rate of 1% to 2% sits under the savings median of 3.08% on the site, so the money earns less than most savings accounts listed
- The Basic offer caps payments and withdrawals each month, and the free ATM allowance stands at €250
- The account is easy-access (easy access) and the rate is variable, so there is no term to lock the rate in for
Who each suits
Nu Mexico
Who it suits
- People who prefer digital management for routine money
- People who like separate pots for everyday goals
Sumeria
Who it suits
- Travellers in France who want a local IBAN, with Instant payments and no commitment
- Euro spenders who want the free card on the Basic offer and payouts to a bank or card (bank and card)
- Euro savers who care more about protection of EU DGS up to EUR 100,000 than about the rate
Who should look elsewhere
- Savers chasing a higher return: Plazo ES shows a headline rate of 24.19% against 1% to 2% here
- People set on a card and credit product: AXI Card Tarjeta y Credito is built around a card at 21.59%, while Sumeria is an easy-access account (easy access)
- Wallet-first users: PayPal Colombia sits at a headline rate of 3.3% and suits wallet balances, whereas Sumeria suits euro banking on a French IBAN
Current offers
Nu Mexico
Current offer
Discount code
Cinepolis 2x1 with the Nu credit card: 2x1 (buy one ticket, get one free) at Cinepolis
Exclusive promo for Nu credit card holders, listed as a limited-time Mastercard benefit on the promotions page
Source, checked September 26, 2026
Sumeria
Current offer
Bonus
Remunerated current account: 2% for the first 3 months, then 1%: 2% gross annual rate for the first 3 months, then 1%
At least 10 eligible card payments per month with a Sumeria card, interest calculated daily and paid monthly; rate applies to total balances across Sumeria accounts capped at 100,000 EUR (100,000 EUR cap if the Black Card offer is taken); reserved for French and Belgian tax residents; rate subject to change
Source, checked September 26, 2026
Country by country
| Country | Nu Mexico | Sumeria |
|---|---|---|
| Belgium | No | Yes |
| France | No | Yes |
| Mexico | Yes | No |
Questions about each
Nu Mexico
What does Nu Mexico offer for everyday banking?+
Nu Mexico provides an account for routine use that includes easy-access savings for organising money. It combines accessible pots with a structured option for money set apart. The experience focuses on digital management for spending and saving together.
Who is Nu Mexico designed for?+
Nu Mexico appeals to people who want banking and savings in one digital place. It attracts those who value organised pots for plans and routine costs. Check whether flexible access with added structure matches your habits.
Sumeria
What does a Sumeria account cost to run?+
The monthly fee is €0, so holding the account is free. Transfers are free on the free Carte Basique offer, where the transfer fee is 0 EUR (all transfers free on the free Carte Basique offer). Currency conversion comes with a fee of 0% and an exchange rate markup of 0%.
Is my money protected at Sumeria?+
Deposits are covered by EU DGS up to EUR 100,000. The account is run by Lydia Solutions as an e-money institution authorised to issue payment services by ACPR, with an ORIAS registration as an agent of an investment service provider, so French regulators sit over the account.
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