Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie policy
Cookie settings

Neon review

Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.

Our verdict

Neon is a Brazilian digital bank whose card carries no monthly or annual charge, so day to day costs sit at BRL 0 a month. It suits Brazilian residents who spend mostly in reais and want cashback plus a virtual card option, rather than anyone paying its 10.5% conversion charge abroad.

Key facts

Best for
Everyday spending in Brazil with no monthly fee and cashback on card payments
Monthly fee
R$0 (Source, checked September 26, 2026)
Currency conversion fee
10.5% (Source, checked September 26, 2026)
Free ATM withdrawals
R$0 (Source, checked September 26, 2026)
Card type
Debit (Source, checked September 26, 2026)
Legal entity
Neon Pagamentos (Source, checked September 26, 2026)
Headquarters
Brazil (Source, checked September 26, 2026)
Founded
2016 (Source, checked September 26, 2026)
Support channels
Help-centre (Source, checked September 26, 2026)
Features
Multi-currency, Virtual card
Official website
neon.com.br

Credit cards

Annual fee
R$0 (Source, checked September 26, 2026)
Currency conversion fee
10.5% (Source, checked September 26, 2026)
Rewards type
Cashback (Source, checked September 26, 2026)
Rewards rate
0.5% cashback (Source, checked September 26, 2026)
Perks
Adjustable credit limit, Virtual card option, International card (Source, checked September 26, 2026)
Cashback rate
0.5% (Source, checked September 26, 2026)
Card kind
Credit (Source, checked September 26, 2026)
Legal entity
Neon Pagamentos (Source, checked September 26, 2026)
Headquarters
Brazil (Source, checked September 26, 2026)
Founded
2016 (Source, checked September 26, 2026)
Support channels
Help-centre (Source, checked September 26, 2026)
Pricing model
No annual fee
Features
Multi-currency, Virtual card

Apps and profiles

Get the app
App StoreGoogle Play
Elsewhere
LinkedInTrustpilotWikipediacrunchbase.com

Pros and cons

Pros

  • Monthly fee of BRL 0 and annual fee of BRL 0 on a no annual fee model
  • Cashback paid in cash at a rewards rate of 0.5% cashback
  • Adjustable credit limit, an international card and a virtual card option in the same account
  • Ranks 1 of 419 brands on monthly fee

Cons

  • Currency conversion costs 10.5%, the heavy end of the market
  • Free ATM withdrawals are limited to BRL 0
  • Help runs on help centre only
Neon

Ready to try Neon?

Scored 8.6 / 10 by DebitCue.

See alternatives

Who it suits

  • Brazilian residents who mostly spend in reais and want cashback on the side
  • People who want a virtual card for online subscriptions alongside a physical one
  • Card users who like setting their own credit limit

Who should look elsewhere

  • Frequent overseas spenders, who face 10.5% on every conversion
  • Cash-heavy users needing more than BRL 0 in free withdrawals
  • Anyone who wants phone or email help, as support is limited to help centre

Fees and currency costs

The Neon card carries no monthly charge, at BRL 0, and nothing to renew each year either. The cost that matters is currency: converting currency costs 10.5%, a high rate to pay on a small purchase. Spending in Brazil needs no conversion, so the fee only bites abroad.

Where it sits among rivals

On monthly fee Neon ranks 1 of 419 brands, so it is among the cheapest accounts to hold. On free ATM withdrawals it sits at 41 of 115, and on currency conversion fee at 259 of 259, close to the worst.

How Neon compares

Where Neon is available

Available
Brazil
Licence in Brazil
Banco Central do Brasil, checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does the Neon card cost each month?+

There is no monthly charge on the account, at BRL 0, and no annual charge either, at BRL 0. The product runs on a no annual fee model, so nothing is due to renew the card each year.

What does it cost to convert currency on Neon?+

Converting currency costs 10.5% on Neon. That places the brand at 259 of 259 on this measure, so spending outside Brazil is where the costliest part of the account shows up for most cardholders.

Are ATM withdrawals free with the Neon card?+

Free ATM withdrawals come to BRL 0, so cash machine use becomes a paid extra beyond that. On this measure Neon sits at 41 of 115 among the brands compared, which is mid table.

Is the Neon card regulated in Brazil?+

Neon is based in Brazil, at BR, and the regulator listed for it is Banco Central do Brasil. The account is run by Neon Pagamentos, and a multi-currency feature is included for holding and spending in more than one currency.

What rewards does the Neon card pay?+

Neon pays cashback rather than points, at a rewards rate of 0.5% cashback. Cashback on card purchases softens everyday spending without adding any charge to the account, and it sits alongside the no annual fee model.

Can I get a virtual card from Neon?+

A virtual card is one of the listed features, alongside multi-currency, and a virtual card option also appears among the account perks. It suits keeping online subscriptions on a separate card from your physical one.

Which cards are worth comparing with the Neon card?+

Wise also charges no monthly fee, at £0, and suits anyone who travels more than Neon suits. Chime Card, at $0 monthly, and Varo Believe, at $0 monthly, match Neon on holding cost for US spending.

How do I get help with the Neon card?+

Support runs on help centre only. A blocked card, a disputed payment or a question about your limit is therefore handled through the help centre rather than by phone, live chat or email, which can slow down urgent problems.

Sources

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Protection.

Neon

Neon

Everyday spending in Brazil with no monthly fee and cashback on card payments

8.6/10See alternatives