Nequi vs Maya Bank.
Nequi (N75/100) and Maya Bank (M50/100), 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 Maya Bank 3-1.
| M Maya Bank №79 · BSP 50 /100 | N Nequi №20 · Full Colombian banking licence via Bancolombia parent 75 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 50 /100 | 75 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 2.00% | 3.00% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Payment inst. BSP | Full bank |
| Deposit guarantee Per depositor | Safeguarded PH.PDIC | €50,000,000 CO.FOGAFIN |
| 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 | 4.5 ★ iOS 4.5 · And 4.4 |
| Read review → | Read review → | |
Pick Maya Bank if…
Voyager Innovations digital bank arm — Philippines BSP digital banking licence (one of 6). Maya super-app heritage (formerly PayMaya, ~50M wallet users). Strongest super-app distribution among PH digital banks. PDIC 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 Maya Bank won 1 of 4
- Best for protection Nequi won 2 of 2
- Best for reach Tied
- Best for ux Tied
Nequi vs Maya Bank — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Maya Bank better than Nequi?
Under our v3 methodology, Nequi leads Maya Bank 3–1 across 12 dimensions. Composite scores: Maya Bank 50/100 vs Nequi 75/100. Nequi is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Maya Bank or Nequi cheaper?
Monthly fee — Maya Bank: €0; Nequi: €0. Card FX markup — Maya Bank: 2.00%; Nequi: 3.00%. Maya 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, Maya Bank or Nequi?
Maya Bank holds a Payment inst. licence under BSP; 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 Maya Bank and Nequi?
Maya 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.