Nequi SV review

The personal account carries a monthly fee of $0, so everyday use adds no recurring charge. That keeps the running cost of the card at the bottom of the market, and it is the main reason to pick Nequi over a rival that charges a fee.

Free ATM withdrawals amount to $250 on the account, and on the site measure that ranks Nequi 20 of 115. Day to day cash needs in the home market should sit inside that allowance, so frequent small withdrawals are unlikely to cost anything.

It is a debit card that runs on the mastercard network, so it should be accepted wherever cards on that network are taken. Spending draws straight on the account balance rather than on a credit line, which keeps the account simple for day to day payments.

Not on this account. Nequi covers 1 currency, so holding balances beyond a single market or converting between currencies is not part of the offer. The offer score of 4.3 reflects that narrow scope, and travellers usually want a multi-currency account instead.

Help comes through chat and help centre, so in-app chat and a help centre are the routes available to customers. A phone line is not among those channels, which matters for anyone who prefers to speak to someone rather than type. Starling Personal Account Debit Card is worth a look if phone support matters most.

The account is operated by ACCELERA, S.A. DE C.V., which is registered in El Salvador, and the service launched in El Salvador in 2024. It is a home market account rather than a cross-border account, and the terms are set locally rather than by an overseas branch.

Nequi scores 6 on cost and 5.3 overall. With a monthly fee of $0 and free ATM withdrawals of $250, the case rests on running costs rather than extras, and it ranks 1 of 419 brands on the monthly fee, so price is hard to beat.