São Paulo, May 5, 2026 — Nubank confirms its participation in Novo Desenrola Brasil, a federal government program focused on renegotiating bank debts and supporting the financial reorganization of millions of Brazilians. As one of the initiative’s main private partners, the institution will offer special terms to eligible customers, reinforcing its strategy of being people’s primary ally in their financial lives. Offers will be gradually sent to customers through official channels.
The entire renegotiation journey takes place within the Nubank app, with no redirection to external portals. Customers can view their personalized offer, with the updated debt amount, the discount applied, and installment options, and complete the agreement in just a few taps.
In addition to “Novo Desenrola Brasil”, Nubank is also launching its own campaign aimed at customers who do not meet the criteria of the federal program — whether because their income is above the established limit, or due to the type or date of the debt. This initiative also offers significant discounts, based on an individualized assessment of each case, and the offers are sent to customers through official communication channels.
Customers who join either of the two campaigns, in addition to regularizing their debt, may have their credit card reactivated, provided they meet Nubank’s internal eligibility criteria and pass a new credit assessment.
“Our role is to stand by our customers at every stage of their financial journey, including when things don’t go as planned. To make ‘Novo Desenrola Brasil’ and our own campaign possible, we use technology to offer real paths out of delinquency, with conditions designed to prevent debt from snowballing,” says Franklin Maia, Nubank’s General Manager of Recovery.
Nubank’s renegotiation model works with offers based on each customer’s payment capacity, internal policies that limit debt growth over time, and recurring campaigns with higher discounts and longer terms, supported by educational content on financial planning.
“A significant share of customers who renegotiate their debts with Nubank improve their financial trajectory in the months following the agreement, which reinforces our view that renegotiation is a way to rebuild financial life on more sustainable grounds and resume the relationship with our customers,” says Franklin.