Nequi vs Aspire.
Nequi (N75/100) and Aspire (A70/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. Aspire leads Nequi 4-3.
| A Aspire №37 · MAS 70 /100 | N Nequi №20 · Full Colombian banking licence via Bancolombia parent 75 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 70 /100 | 75 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 0.30% | 3.00% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Partner-bank MAS | Full bank |
| Deposit guarantee Per depositor | €100,000 SG.SDIC | €50,000,000 CO.FOGAFIN |
| Reach | ||
| Markets served Licensed jurisdictions | 8 countries | 1 country |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | No | No |
| UX | ||
| Trustpilot Customer score | 4.3 ★ 1k reviews | — |
| App store iOS + Android avg | 4.5 ★ iOS 4.6 · And 4.4 | 4.5 ★ iOS 4.5 · And 4.4 |
| Read review → | Read review → | |
Pick Aspire if…
The APAC-first multi-currency business-account platform for SaaS startups and e-commerce sellers — SG-HQ MAS Major Payment Institution with native multi-currency accounts (USD/SGD/EUR/GBP/IDR + HKD/AUD/IDR/MYR) plus local-currency receiving in 30+ countries and local account issuance in 6 jurisdictions (SG, HK, US, UK, EU, AU). Built for APAC startups taking USD revenue who need a SGD operating account without the friction of running Mercury (US) + a SG-bank relationship side-by-side. Stripe + Shopify + Xero integration depth makes Aspire the structural fit for SaaS / e-commerce / fintech operators in the region. MAS-licensed Major Payment Institution status is the structural anchor.
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 Aspire won 1 of 4
- Best for protection Nequi won 2 of 2
- Best for reach Aspire won 1 of 3
- Best for ux Aspire won 2 of 2
Nequi vs Aspire — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Aspire better than Nequi?
Under our v3 methodology, Aspire leads Nequi 4–3 across 12 dimensions. Composite scores: Aspire 70/100 vs Nequi 75/100. Aspire is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Aspire or Nequi cheaper?
Monthly fee — Aspire: €0; Nequi: €0. Card FX markup — Aspire: 0.30%; Nequi: 3.00%. Aspire 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, Aspire or Nequi?
Aspire holds a Partner-bank licence under MAS; deposit guarantee per depositor: €100,000. 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 Aspire and Nequi?
Aspire operates in 8 countries; 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.