Nequi vs Found.
Nequi (N75/100) and Found (F69/100), 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 Found 3-2.
| F Found №39 · FDIC 69 /100 | N Nequi №20 · Full Colombian banking licence via Bancolombia parent 75 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 69 /100 | 75 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 1.00% | 3.00% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Partner-bank FDIC | Full bank |
| Deposit guarantee Per depositor | $250,000 US.FDIC | €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 | 4.7 ★ iOS 4.8 · And 4.6 | 4.5 ★ iOS 4.5 · And 4.4 |
| Read review → | Read review → | |
Pick Found if…
The tightest 1099-workflow loop in US neobanking — deposit lands → user-defined percentage auto-routes to a Taxes Pocket → quarterly tax estimator computes the federal liability → in-app federal payment closes the loop. Plus and Pro tiers add APY (1.50% capped at $20K / 2.50% uncapped) and Pro layers in 1% cashback on a metal debit card. Sponsor bank migrated from Piermont Bank to Lead Bank in October 2025 — legacy customers should verify their rails have moved.
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 Found won 1 of 4
- Best for protection Nequi won 2 of 2
- Best for reach Tied
- Best for ux Found won 1 of 2
Nequi vs Found — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Found better than Nequi?
Under our v3 methodology, Nequi leads Found 3–2 across 12 dimensions. Composite scores: Found 69/100 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 Found or Nequi cheaper?
Monthly fee — Found: €0; Nequi: €0. Card FX markup — Found: 1.00%; Nequi: 3.00%. Found 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, Found or Nequi?
Found holds a Partner-bank licence under FDIC; deposit guarantee per depositor: $250,000. 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 Found and Nequi?
Found 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.