You want a UK financial plan that connects to your daily money. Nubank is a Latin American neobank. Here is the difference.
Nubank has no UK-specific retirement planning, no ISA modelling, no pension projections. It is a Latin American neobank. The platform serves Brazilian, Mexican, and Colombian customers with a no-fee credit card, a digital account, and personal loans. It is a banking product, not a UK planning tool.
Delphina plans for UK households. UK-specific rules: 25% pension tax-free lump sum, the annual allowance taper from £260,000, ISA subscription limits, and the State Pension forecast through your NI record.
Nubank is one of the most successful digital banks in the world. For Latin American households, the no-fee credit card and digital account are a genuine improvement on the incumbent banks. Nubank also offers personal loans, life insurance, and an investment platform within its own geography.
Outside Latin America, Nubank is not a relevant option.
Delphina is built for the UK. The platform is built for UK accounts, uses UK categories, and turns the budget into forward planning. Nubank's no-fee credit card is irrelevant for a UK household, and the budgeting side is functional but not steering-grade.
Delphina also updates the plan as your life changes. A pay rise, a bonus paid into a SIPP, a redundancy payout, a sabbatical: the projection shifts in real time. Nubank's account notifications show what happened. Delphina shows what to do next.
Pull your State Pension forecast from gov.uk and your latest pension statement. Connect both to Delphina this week. Within 15 minutes you will have a specific number for your retirement gap and one monthly action.