Nu 3: Junqueira Cristina Helena Zingaretti transacted N/A shares… (Mar 18, 2026)

=== SEC Form 3 — Statement of Changes in Beneficial Ownership === Document Type: 3 Period of Report: 2026-03-18 --- Issuer --- Name: Nu Holdings Ltd. (NU) CIK: 0001691493 --- Reporting Owner --- Name: Junqueira Cristina Helena Zingaretti CIK: 0001973445 Role: Officer (US CEO & Chief Growth Officer) --- Holdings --- [Holding #1] Security: Class A ordinary shares ("Class A Shares") Ownership: D (Direct) Footnotes: [F1] Figure includes 1,285,395 Class A Ordinary Shares underlying unvested Restricted Share Units (RSUs) associated with prior grant(s). Each RSU represents a contingent right to receive one Class A Ordinary share. These RSUs are subject to the Reporting Person's continued service through the vesting date. [Holding #2] Security: Class A Shares Ownership: I (Indirect) Footnotes: [F2] The reporting person disclaims beneficial ownership of these securities except to the extent of her pecuniary interest therein. [Holding #3] Security: Class A Shares Ownership: I (Indirect) Footnotes: [F2] The reporting person disclaims beneficial ownership of these securities except to the extent of her pecuniary interest therein. [Holding #4] Security: Class A Shares Ownership: I (Indirect) Footnotes: [F2] The reporting person disclaims beneficial ownership of these securities except to the extent of her pecuniary interest therein. [Holding #5] Security: Class A Shares Ownership: I (Indirect) Footnotes: [F2] The reporting person disclaims beneficial ownership of these securities except to the extent of her pecuniary interest therein. [Holding #6] Security: Class B ordinary shares ("Class B Shares") Ownership: I (Indirect) Footnotes: [F3] The Class B ordinary shares are convertible into the issuer's Class A Shares on a 1-for-1 basis (a) at the holder's option or (b) upon certain transfers of such shares and have no expiration date. [F3] The Class B ordinary shares are convertible into the issuer's Class A Shares on a 1-for-1 basis (a) at the holder's option or (b) upon certain transfers of such shares and have no expiration date. [F3] The Class B ordinary shares are convertible into the issuer's Class A Shares on a 1-for-1 basis (a) at the holder's option or (b) upon certain transfers of such shares and have no expiration date. [F2] The reporting person disclaims beneficial ownership of these securities except to the extent of her pecuniary interest therein. [Holding #7] Security: Class B Shares Ownership: I (Indirect) Footnotes: [F3] The Class B ordinary shares are convertible into the issuer's Class A Shares on a 1-for-1 basis (a) at the holder's option or (b) upon certain transfers of such shares and have no expiration date. [F3] The Class B ordinary shares are convertible into the issuer's Class A Shares on a 1-for-1 basis (a) at the holder's option or (b) upon certain transfers of such shares and have no expiration date. [F3] The Class B ordinary shares are convertible into the issuer's Class A Shares on a 1-for-1 basis (a) at the holder's option or (b) upon certain transfers of such shares and have no expiration date. [F2] The reporting person disclaims beneficial ownership of these securities except to the extent of her pecuniary interest therein. --- Footnotes (Complete Index) --- F1: Figure includes 1,285,395 Class A Ordinary Shares underlying unvested Restricted Share Units (RSUs) associated with prior grant(s). Each RSU represents a contingent right to receive one Class A Ordinary share. These RSUs are subject to the Reporting Person's continued service through the vesting date. F2: The reporting person disclaims beneficial ownership of these securities except to the extent of her pecuniary interest therein. F3: The Class B ordinary shares are convertible into the issuer's Class A Shares on a 1-for-1 basis (a) at the holder's option or (b) upon certain transfers of such shares and have no expiration date. --- Signature --- /s/ /s/ Beatriz Outeiro, attorney-in-fact for Cristina Junqueira (2026-03-18)