Nequi vs BHub.
Nequi (N75/100) and BHub (B44/100), 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 BHub 5-1.
| B BHub №85 · BACEN 44 /100 | N Nequi №20 · Full Colombian banking licence via Bancolombia parent 75 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 45 /100 | 75 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €350 /mo | €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 | Payment inst. BACEN | Full bank |
| Deposit guarantee Per depositor | Safeguarded BR.FGC | €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 | 4.4 ★ iOS 4.5 · And 4.3 | 4.5 ★ iOS 4.5 · And 4.4 |
| Read review → | Read review → | |
Pick BHub if…
Brazilian SMB BaaS combining BACEN payment-institution banking with bookkeeping + payroll + tax-filing services. The structural fit for BR startups and growth-stage SMBs that want one platform handling Simples Nacional / Lucro Presumido / Lucro Real accounting + INSS / FGTS payroll + business banking — closer to a US Bench equivalent than to Nubank PJ or Mercado Pago Empresas.
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 Tied
- Best for protection Nequi won 2 of 2
- Best for reach Tied
- Best for ux Nequi won 1 of 2
Nequi vs BHub — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is BHub better than Nequi?
Under our v3 methodology, Nequi leads BHub 5–1 across 12 dimensions. Composite scores: BHub 44/100 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 BHub or Nequi cheaper?
Monthly fee — BHub: €350; Nequi: €0. Card FX markup — BHub: 1.50%; Nequi: 3.00%. Tied across fee rows. See the Fees section of the matrix above for ATM caps and the rest.
Which is safer for deposits, BHub or Nequi?
BHub holds a Payment inst. licence under BACEN; 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 BHub and Nequi?
BHub 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.