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                <filerCredentials>
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                    <ccc>XXXXXXXX</ccc>
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            <liveTestFlag>LIVE</liveTestFlag>



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            <issuerCik>0001691493</issuerCik>
            <issuerName>NU HOLDINGS LTD.</issuerName>
            <secFileNumber>001-41129</secFileNumber>
            <issuerAddress>
                <ns2:street1>Campbells Corporate Services Limited</ns2:street1>
                <ns2:street2>Floor 4,  Willow House, Cricket Square</ns2:street2>
                <ns2:city>Grand Cayman</ns2:city>
                <ns2:stateOrCountry>E9</ns2:stateOrCountry>
                <ns2:zipCode>KY1-9010</ns2:zipCode>
            </issuerAddress>
            <issuerContactPhone>1 345 949 2648</issuerContactPhone>
            <nameOfPersonForWhoseAccountTheSecuritiesAreToBeSold>SUZANA KUBRIC</nameOfPersonForWhoseAccountTheSecuritiesAreToBeSold>
            <relationshipsToIssuer>
                <relationshipToIssuer>Officer</relationshipToIssuer>
            </relationshipsToIssuer>
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        <securitiesInformation>
            <securitiesClassTitle>Common</securitiesClassTitle>
            <brokerOrMarketmakerDetails>
                <name>Morgan Stanley Smith Barney LLC Executive Financial Services</name>
                <address>
                    <ns2:street1>1 New York Plaza</ns2:street1>
                    <ns2:street2>8th Floor</ns2:street2>
                    <ns2:city>New York</ns2:city>
                    <ns2:stateOrCountry>NY</ns2:stateOrCountry>
                    <ns2:zipCode>10004</ns2:zipCode>
                </address>
            </brokerOrMarketmakerDetails>
            <noOfUnitsSold>39488</noOfUnitsSold>
            <aggregateMarketValue>473856.00</aggregateMarketValue>
            <noOfUnitsOutstanding>3602854813</noOfUnitsOutstanding>
            <approxSaleDate>03/20/2024</approxSaleDate>
            <securitiesExchangeName>NYSE</securitiesExchangeName>
        </securitiesInformation>
        <securitiesToBeSold>
            <securitiesClassTitle>COMMON</securitiesClassTitle>
            <acquiredDate>07/01/2023</acquiredDate>
            <natureOfAcquisitionTransaction>Restricted Stock</natureOfAcquisitionTransaction>
            <nameOfPersonfromWhomAcquired>ISSUER</nameOfPersonfromWhomAcquired>
            <isGiftTransaction>N</isGiftTransaction>
            <amountOfSecuritiesAcquired>39488</amountOfSecuritiesAcquired>
            <paymentDate>07/01/2023</paymentDate>
            <natureOfPayment>Not Applicable</natureOfPayment>
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                <name>SUZANA KUBRIC</name>
                <address>
                    <ns2:street1>Campbells Corporate Services Limited</ns2:street1>
                    <ns2:street2>Floor 4,  Willow House, Cricket Square</ns2:street2>
                    <ns2:city>Grand Cayman</ns2:city>
                    <ns2:stateOrCountry>E9</ns2:stateOrCountry>
                    <ns2:zipCode>KY1-9010</ns2:zipCode>
                </address>
            </sellerDetails>
            <securitiesClassTitle>Common</securitiesClassTitle>
            <saleDate>02/27/2024</saleDate>
            <amountOfSecuritiesSold>12230</amountOfSecuritiesSold>
            <grossProceeds>134530.00</grossProceeds>
        </securitiesSoldInPast3Months>
        <securitiesSoldInPast3Months>
            <sellerDetails>
                <name>SUZANA KUBRIC</name>
                <address>
                    <ns2:street1>Campbells Corporate Services Limited</ns2:street1>
                    <ns2:street2>Floor 4,  Willow House, Cricket Square</ns2:street2>
                    <ns2:city>Grand Cayman</ns2:city>
                    <ns2:stateOrCountry>E9</ns2:stateOrCountry>
                    <ns2:zipCode>KY1-9010</ns2:zipCode>
                </address>
            </sellerDetails>
            <securitiesClassTitle>Common</securitiesClassTitle>
            <saleDate>02/13/2024</saleDate>
            <amountOfSecuritiesSold>5328</amountOfSecuritiesSold>
            <grossProceeds>53280.00</grossProceeds>
        </securitiesSoldInPast3Months>
        <securitiesSoldInPast3Months>
            <sellerDetails>
                <name>SUZANA KUBRIC</name>
                <address>
                    <ns2:street1>Campbells Corporate Services Limited</ns2:street1>
                    <ns2:street2>Floor 4,  Willow House, Cricket Square</ns2:street2>
                    <ns2:city>Grand Cayman</ns2:city>
                    <ns2:stateOrCountry>E9</ns2:stateOrCountry>
                    <ns2:zipCode>KY1-9010</ns2:zipCode>
                </address>
            </sellerDetails>
            <securitiesClassTitle>Common</securitiesClassTitle>
            <saleDate>01/10/2024</saleDate>
            <amountOfSecuritiesSold>3516</amountOfSecuritiesSold>
            <grossProceeds>31644.00</grossProceeds>
        </securitiesSoldInPast3Months>
        <noticeSignature>
            <noticeDate>03/20/2024</noticeDate>
            <planAdoptionDates>
                <planAdoptionDate>08/18/2023</planAdoptionDate>
            </planAdoptionDates>
            <signature>/s/ Suzana Kubric</signature>
        </noticeSignature>
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144
0001974307
XXXXXXXX
LIVE
0001691493
NU HOLDINGS LTD.
001-41129
Campbells Corporate Services Limited
Floor 4,  Willow House, Cricket Square
Grand Cayman
E9
KY1-9010
1 345 949 2648
SUZANA KUBRIC
Officer
Common
Morgan Stanley Smith Barney LLC Executive Financial Services
1 New York Plaza
8th Floor
New York
NY
10004
39488
473856.00
3602854813
03/20/2024
NYSE
COMMON
07/01/2023
Restricted Stock
ISSUER
N
39488
07/01/2023
Not Applicable
N
SUZANA KUBRIC
Campbells Corporate Services Limited
Floor 4,  Willow House, Cricket Square
Grand Cayman
E9
KY1-9010
Common
02/27/2024
12230
134530.00
SUZANA KUBRIC
Campbells Corporate Services Limited
Floor 4,  Willow House, Cricket Square
Grand Cayman
E9
KY1-9010
Common
02/13/2024
5328
53280.00
SUZANA KUBRIC
Campbells Corporate Services Limited
Floor 4,  Willow House, Cricket Square
Grand Cayman
E9
KY1-9010
Common
01/10/2024
3516
31644.00
03/20/2024
08/18/2023
/s/ Suzana Kubric