If you're Latino and working in the US, four names come up when you ask about an account: Chime and Revolut here, Nubank and Nomad from Latin America. Each is good at something. None was built for all of it: an account you open with the ID you have, that costs nothing to keep, and that works for your family on the other side of the border.
That is what Pesito is building: one account across the Americas, $0 a month, $0 to send between Pesito accounts. Pesito is pre-launch. The other four work today, which matters, and this page says where each of them is the better choice.
All five, side by side.
Pesito is pre-launch. Its column is planned launch pricing and planned features, not a live service. The app will show the final price before you pay.
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Pesito
Chime
Revolut
Nubank
Nomad
Available today
No. Pre-launch, waitlist only
Yes
Yes, in the US and in Mexico
Yes. US account by waitlist since September 2026; Nu México for residents of Mexico
Yes, for Brazilians who live in Brazil
Open it without an SSN
Planned: your own country's ID, such as a passport, or an ITIN
No: a valid SSN is required
Only a limited account, with a supported US visa
US: its site does not say which IDs it accepts
Needs a Brazilian ID and an address in Brazil
Monthly fee
$0 (planned)
$0
$0 on Standard; $9.99 or $16.99 for paid plans
$0
$0
Send money to Mexico
$0 between Pesito accounts (planned)
Not offered
Free plan: 0.15% (minimum $0.75) to a bank; $0 to Revolut users
No transfer fee to a Mexican CLABE
Not offered
Exchange-rate markup
0%: mid-market average (planned)
No transfers; no foreign transaction fee on the card
Free plan: none on the first $1,000 a month, then 0.5%; plus 1% on weekends
Rate shown before you confirm; markup not published
1% to 2% to convert reais, plus Brazil's IOF tax
One account in the US and in Mexico
Yes (planned)
No: US only
No: a separate Revolut Mexico account
No: two separate accounts, two sign-ups
No: a US account for Brazilians
Debit card
Planned; needs a partner bank, not signed
Yes, debit card
Yes (first physical card up to $4.99 on Standard)
In Mexico; in the US, a credit card and ATM access
Yes, Visa debit
Competitor facts from each company's own pages, read October 10, 2026; details and links under Sources below and on each comparison page. Pesito column: planned launch pricing and planned features, not available yet.
You have an SSN and want an account today. Chime: no monthly fee, early pay, and fee-free overdraft up to $200 if you qualify. It does not send money outside the US.
You travel or hold several currencies, and you have an SSN or a supported visa. Revolut: dozens of currencies, and no transfer fee between Revolut users in the US and Mexico. Its free plan charges to send to a Mexican bank, and more on weekends.
Your family already banks with Nu in Mexico. Nu's new US account sends to a Mexican CLABE with no transfer fee and pays 3.50% APY. Check which IDs it asks for; its site does not say yet.
You're Brazilian and you live in Brazil. Nomad gives you a US dollar account, a debit card and US investing. If you live in the US, its own rules leave you out.
You have no SSN, or you want one account for you and your family. That is the account Pesito is building. Join the waitlist and we will tell you the day it opens.
How we compare
Every fact about another company comes from its own website, read on the date listed under Sources. We use no affiliate links, and nobody paid to be on this page. Pesito's column is planned launch pricing for a product that is not live. Once it is, hold us to it.
One account across the Americas. No SSN. No monthly fee.
Pesito is pre-launch. Join the waitlist to be first in line, and help shape what we build.
Three minutes, one answer per phone number. Your answers are stored under the waitlist terms; do not include passwords, account numbers or other sensitive information.
Every fact about another company comes from its own public pages, read on the dates listed. Fees and requirements change, so check with the provider before you rely on one. Nobody paid to appear here and there are no affiliate links. Pesito figures are planned launch pricing and planned features: Pesito is pre-launch and nothing is available yet. Spotted an error? Write to business@pesito.la; we fix it and log the date in pricing.txt.