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If an eligible Nubank credit-card purchase was made as a single payment, you may be able to split it afterward in the Nubank app. Open the processed transaction, tap “Parcelar compra”, compare the options shown, review the contract and total cost, then confirm with your four-digit password. Nubank says it sends confirmation by email within up to 48 hours.
How to split a Nubank purchase in the app
- Open the Nubank app and go to the credit-card area.
- Select the purchase you want to split. It must appear as processed; Nubank says processing may take up to three business days. If it has not appeared as processed, wait and check again.
- Tap “Parcelar compra” and simulate the available installment options for that transaction.
- Compare the number of installments, each installment amount, charges and total repayment. Review the summary and contract before proceeding.
- Choose the option you want and confirm with your four-digit password. Nubank says confirmation arrives by email within up to 48 hours.
The app flow and confirmation timing are described in Nubank’s purchase-installment guide, updated January 13, 2025.
Who can use the option, and what terms might appear?
Nubank’s guide says the feature may be available for eligible purchases made in a single payment, with a general minimum purchase value of R$20 and a maximum of up to 12 installments. Those are published guide limits, not a guarantee that every transaction or customer will be eligible for every term. The transaction-specific options shown in your app determine what you can actually choose.
There is no universal rate established for this feature. Before confirming, use the simulation and contract to check any interest or other charges, the installment amount, and the full repayment total. Nubank’s materials discuss interest and IOF in connection with statement financing, a separate product, so do not assume its terms apply identically to splitting a purchase. See Nubank’s explanation of statement financing for that distinct arrangement.
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How this differs from installments at checkout
Splitting a purchase after it has been made as a single payment is different from choosing installments at a merchant’s checkout. Under Nubank’s contract, merchant installments are offered by establishments in Brazil; the merchant may disclose monthly interest, and the total purchase amount uses the card limit when the transaction is made. The post-purchase feature instead depends on the eligible transaction and terms presented in the Nubank app. The Nubank card contract describes merchant installment terms.
Can you change or cancel a confirmed plan?
Nubank says an approved purchase installment plan cannot be edited or cancelled. It does allow customers to pay installments early and receive a discount. Because you cannot revise the plan after approval, check the payment schedule and total before confirming.
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If “Parcelar compra” is not available
- Check whether the transaction has finished processing; Nubank says processing can take up to three business days.
- Confirm that the transaction was made as a single payment and that it meets the published R$20 minimum.
- Look at the transaction-specific offer in the app rather than relying on an older eligibility description. A 2021 Nubank community announcement described a restricted test and payment-status conditions, but that historical account does not establish current eligibility.
If the option still does not appear, the published guide does not establish a way to make an ineligible transaction eligible; rely on the app’s current offer and Nubank’s support for account-specific help. Nubank’s current guide is available at How to split specific credit-card purchases in the app.
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