Nequi vs Nomo.
Nequi (N75/100) and Nomo (N52/100), 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 Nomo 4-3.
| N Nequi №20 · Full Colombian banking licence via Bancolombia parent 75 /100 | N Nomo №68 · FCA 52 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 75 /100 | 52 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 3.00% | 1.00% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Full bank | Payment inst. FCA |
| Deposit guarantee Per depositor | €50,000,000 CO.FOGAFIN | Safeguarded GB.FSCS |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 2 countries |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | No | Yes |
| UX | ||
| Trustpilot Customer score | — | — |
| App store iOS + Android avg | 4.5 ★ iOS 4.5 · And 4.4 | 4.3 ★ iOS 4.4 · And 4.2 |
| Read review → | Read review → | |
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.
Pick Nomo if…
Sharia-compliant digital bank — Boubyan Bank Kuwait digital arm via Bank of London + The Middle East (BLME, FCA-licensed). Cross-border GCC-UK money management. UK FSCS GBP 85K + Kuwait DPS via parent. Unique dual-passport structure.
- Best for fees Nomo won 1 of 4
- Best for protection Nequi won 2 of 2
- Best for reach Nomo won 2 of 3
- Best for ux Nequi won 1 of 2
Nequi vs Nomo — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Nequi better than Nomo?
Under our v3 methodology, Nequi leads Nomo 4–3 across 12 dimensions. Composite scores: Nequi 75/100 vs Nomo 52/100. Nequi is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Nequi or Nomo cheaper?
Monthly fee — Nequi: €0; Nomo: €0. Card FX markup — Nequi: 3.00%; Nomo: 1.00%. Nomo 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, Nequi or Nomo?
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. Nomo holds a Payment inst. licence under FCA; deposit guarantee per depositor: Safeguarded. Nequi is the stronger pick on regulatory protection.
Where can I use Nequi and Nomo?
Nequi operates in 1 country; Nomo operates in 2 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.