Nequi vs Ally Bank.
Nequi (N75/100) and Ally Bank (A58/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. A close tie.
| A Ally Bank №55 · OCC 58 /100 | N Nequi №20 · Full Colombian banking licence via Bancolombia parent 75 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 58 /100 | 75 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 1.00% | 3.00% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Payment inst. OCC | Full bank |
| Deposit guarantee Per depositor | Safeguarded US.FDIC | €50,000,000 CO.FOGAFIN |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 1 country |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | Yes | No |
| UX | ||
| Trustpilot Customer score | — | — |
| App store iOS + Android avg | 4.7 ★ iOS 4.7 · And 4.6 | 4.5 ★ iOS 4.5 · And 4.4 |
| Read review → | Read review → | |
Pick Ally Bank if…
OCC-chartered direct bank, NYSE-listed (ALLY). One of the original US online-only banks (continuous since 2009). Best-in-class US savings APY among national banks; FDIC pass-through is direct, not partner-bank. The grown-up alternative to Chime/Cash App for depositors who want chartered-bank cover.
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.
- Best for fees Ally Bank won 1 of 4
- Best for protection Nequi won 2 of 2
- Best for reach Ally Bank won 1 of 3
- Best for ux Ally Bank won 1 of 2
Nequi vs Ally Bank — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Ally Bank better than Nequi?
Ally Bank and Nequi are tied 3–3 across 12 dimensions under our v3 methodology. Composite scores: Ally Bank 58/100 vs Nequi 75/100. The right pick depends on which dimension you weight most heavily.
Is Ally Bank or Nequi cheaper?
Monthly fee — Ally Bank: €0; Nequi: €0. Card FX markup — Ally Bank: 1.00%; Nequi: 3.00%. Ally Bank 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, Ally Bank or Nequi?
Ally Bank holds a Payment inst. licence under OCC; deposit guarantee per depositor: Safeguarded. 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. Nequi is the stronger pick on regulatory protection.
Where can I use Ally Bank and Nequi?
Ally Bank operates in 1 country; Nequi 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.