Nequi vs Ramp.
Nequi (N75/100) and Ramp (R57/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. Nequi leads Ramp 3-2.
| N Nequi №20 · Full Colombian banking licence via Bancolombia parent 75 /100 | R Ramp №58 · FDIC 57 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 75 /100 | 57 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 3.00% | Interbank |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Full bank | Payment inst. FDIC |
| Deposit guarantee Per depositor | €50,000,000 CO.FOGAFIN | Safeguarded US.FDIC |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 1 country |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | No | No |
| UX | ||
| Trustpilot Customer score | — | — |
| App store iOS + Android avg | 4.5 ★ iOS 4.5 · And 4.4 | 4.8 ★ iOS 4.8 · And 4.7 |
| Read review → | Read review → | |
Pick Nequi if…
Bancolombia's digital banking arm — Colombia's largest neobank by user count (~17M). Operates under the Bancolombia full-bank licence; FOGAFIN cover applies. Mass-market reach + Bancolombia ATM network. The default Colombian neobank for COP-resident readers.
Pick Ramp if…
The spend-management platform that closes the loop on policy enforcement at swipe time — Ramp pushes vendor-level savings recommendations into the finance team's workflow as a structural product, not a feature. Charge card + Bill Pay + Procurement + SaaS-spend management in one stack, with the deepest mid-market ERP integration set of any US corporate-card platform.
- Best for fees Ramp won 1 of 4
- Best for protection Nequi won 2 of 2
- Best for reach Tied
- Best for ux Ramp won 1 of 2
Nequi vs Ramp — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Nequi better than Ramp?
Under our v3 methodology, Nequi leads Ramp 3–2 across 12 dimensions. Composite scores: Nequi 75/100 vs Ramp 57/100. Nequi is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Nequi or Ramp cheaper?
Monthly fee — Nequi: €0; Ramp: €0. Card FX markup — Nequi: 3.00%; Ramp: Interbank. Ramp wins more fee rows (1 of 4). See the Fees section of the matrix above for ATM caps and the rest.
Which is safer for deposits, Nequi or Ramp?
Nequi holds a Full bank licence under Full Colombian banking licence via Bancolombia parent (Superintendencia Financiera de Colombia regulated); FOGAFIN member, COP 50,000,000 cover per depositor. // TODO(verify).; deposit guarantee per depositor: €50,000,000. Ramp holds a Payment inst. licence under FDIC; deposit guarantee per depositor: Safeguarded. Nequi is the stronger pick on regulatory protection.
Where can I use Nequi and Ramp?
Nequi operates in 1 country; Ramp operates in 1 country. Check each provider's signup page for the live country list — eligibility depends on residency, not just the licence footprint.
Want a 3- or 4-way comparison?
The dynamic compare picker handles up to four banks. Add this pair plus one or two more and we'll resolve every row.