Tax withheld4

Nu Holdings Ltd.

Total Value

$607.2K

Filing Date

Oct 27, 2026

1 transactions

Trade Summary

On Oct 23, 2026, Osorno David Velez, Chairman and CEO, Director, 10% Owner, reported $607.2K of Nu Holdings Ltd. (NU) across 1 transactions. The filing covers Class A ordinary shares ("Class A Shares") and reflects balanced net activity of $0. Reported prices ranged from $13.29. Insider transactions are sourced from SEC Form 4 disclosures and should be reviewed alongside company fundamentals and the insider's broader trading history.

Insider Information

Name: Osorno David Velez
Role: Chairman and CEO, Director, 10% Owner

Filing Details

Filing Date: Oct 27, 2026
Transaction Date: Oct 23, 2026
Accession Number: 0000950103-26-016255
Form Type: 4

Non-Derivative Transactions

Date	Security	Shares	Price	Type	Value
Oct 23, 2026	Class A ordinary shares ("Class A Shares")	45,690	$13.29	Tax Withholding	$607.2K

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Footnotes

(F1)Figure includes 16,297,049 unvested Restricted Class A Shares ("Restricted Shares") granted under the Nu Holdings Ltd. 2020 Omnibus Incentive Plan, as amended. The Restricted Shares were issued to and registered in the name of the Reporting Person on the grant date and vest through January 1, 2036. The vesting of the Restricted Shares is subject to the Reporting Person's continued service through the applicable vesting date.
(F2)The reporting person disclaims beneficial ownership of these securities except to the extent of his pecuniary interest therein.

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

Osorno David Velez

(Last)

(First)

(Middle)

RUA CAPOTE VALENTE, 39, PINHEIROS

(Street)

SAO PAULO

(City)

(State)

(Zip)

2. Issuer Name and Ticker or Trading Symbol
Nu Holdings Ltd. [ NU ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director	X	10% Owner
X	Officer (give title below)		Other (specify below)
	Chairman and CEO

3. Date of Earliest Transaction (Month/Day/Year)
10/23/2026

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	Code	V	Amount	(A) or (D)	Price		6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
Class A ordinary shares ("Class A Shares")	10/23/2026		F		45,690	D	$13.29	19,691,424⁽¹⁾	D
Class A Shares								698,914	I	By Rua California Ltd.⁽²⁾

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares	8. Price of Derivative Security (Instr. 5)		10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)

Explanation of Responses:

1. Figure includes 16,297,049 unvested Restricted Class A Shares ("Restricted Shares") granted under the Nu Holdings Ltd. 2020 Omnibus Incentive Plan, as amended. The Restricted Shares were issued to and registered in the name of the Reporting Person on the grant date and vest through January 1, 2036. The vesting of the Restricted Shares is subject to the Reporting Person's continued service through the applicable vesting date.

2. The reporting person disclaims beneficial ownership of these securities except to the extent of his pecuniary interest therein.

	/s/ Beatriz Outeiro, attorney-in-fact for David Velez Osorno	10/27/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.

Form 4 as rendered by the SEC from accession 0000950103-26-016255.

Nu Holdings Ltd.

Trade Summary

Company Information

Insider Information

Filing Details

Non-Derivative Transactions

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Footnotes

SEC Form 4

SEC Filing

SEC Form 4