Nequi vs Liv..
Nequi (N75/100) and Liv. (L59/100), 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 Liv. 4-1.
| L Liv. №53 · CBUAE 59 /100 | N Nequi №20 · Full Colombian banking licence via Bancolombia parent 75 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 59 /100 | 75 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 1.50% | 3.00% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | E-money inst. CBUAE | Full bank |
| Deposit guarantee Per depositor | Safeguarded AE.DPS | €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 | 4.3 ★ iOS 4.4 · And 4.2 | 4.5 ★ iOS 4.5 · And 4.4 |
| Read review → | Read review → | |
Pick Liv. if…
First UAE digital-only bank — Emirates NBD subsidiary launched 2017. Targets millennials with free account + lifestyle features. Direct AE DPS cover via parent's CBUAE charter — structurally cleaner than partner-bank competitors.
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 Liv. won 1 of 4
- Best for protection Nequi won 2 of 2
- Best for reach Tied
- Best for ux Nequi won 1 of 2
Nequi vs Liv. — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Liv. better than Nequi?
Under our v3 methodology, Nequi leads Liv. 4–1 across 12 dimensions. Composite scores: Liv. 59/100 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 Liv. or Nequi cheaper?
Monthly fee — Liv.: €0; Nequi: €0. Card FX markup — Liv.: 1.50%; Nequi: 3.00%. Liv. 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, Liv. or Nequi?
Liv. holds a E-money inst. licence under CBUAE; 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 Liv. and Nequi?
Liv. 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.