Lili vs Ualá.
Lili (L73/100) and Ualá (U49/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. Lili leads Ualá 6-3.
| L Lili №26 · FDIC 73 /100 | U Ualá №81 · BCRA 49 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 73 /100 | 49 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | Interbank | 4.00% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Partner-bank FDIC | Payment inst. BCRA |
| Deposit guarantee Per depositor | $250,000 US.FDIC | Safeguarded AR.SEDESA |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 3 countries |
| Crypto Coins available | No | 6 coins |
| Stocks & ETFs Self-directed | No | Yes |
| UX | ||
| Trustpilot Customer score | 4.7 ★ 1k reviews | 2.4 ★ 5k reviews |
| App store iOS + Android avg | 4.6 ★ iOS 4.7 · And 4.4 | 4.5 ★ iOS 4.6 · And 4.5 |
| Read review → | Read review → | |
Pick Lili if…
The 1099-native US neobank — Tax Bucket auto-set-aside, pre-filled Schedule C / 1065 / 1120-S, and a quarterly tax estimator built into business checking. Where Mercury targets venture-funded startups and Bluevine targets lower-mid-market SMBs, Lili targets the solopreneur and 1099 freelancer who needs banking + bookkeeping + tax in one app. Sponsor bank moved from Choice Financial Group to Sunrise Banks, N.A. in 2024-2025; FDIC pass-through to $3M via sweep network now available on all tiers including the free Core plan.
Pick Ualá if…
The default Argentine fintech card (~9M users in AR). Wilobank acquisition (2022) gave Ualá a full Argentine banking licence — converts the wallet to a chartered bank for AR depositors. Mexican + Colombian expansions via local subsidiaries. Argentine inflation-hedge yield (Rendimientos) is a near-mandatory product for ARS holders.
- Best for fees Lili won 1 of 4
- Best for protection Lili won 2 of 2
- Best for reach Ualá won 3 of 3
- Best for ux Lili won 2 of 2
Lili vs Ualá — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Lili better than Ualá?
Under our v3 methodology, Lili leads Ualá 6–3 across 12 dimensions. Composite scores: Lili 73/100 vs Ualá 49/100. Lili is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Lili or Ualá cheaper?
Monthly fee — Lili: €0; Ualá: €0. Card FX markup — Lili: Interbank; Ualá: 4.00%. Lili 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, Lili or Ualá?
Lili holds a Partner-bank licence under FDIC; deposit guarantee per depositor: $250,000. Ualá holds a Payment inst. licence under BCRA; deposit guarantee per depositor: Safeguarded. Lili is the stronger pick on regulatory protection.
Where can I use Lili and Ualá?
Lili operates in 1 country; Ualá operates in 3 countries. 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.