Nequi vs Klar.
Nequi (N75/100) and Klar (K50/100), 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 Klar 4-1.
| K Klar №61 · CNBV 50 /100 | N Nequi №19 · Full Colombian banking licence via Bancolombia parent 75 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 50 /100 | 75 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 2.00% | 3.00% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Payment inst. CNBV | Full bank |
| Deposit guarantee Per depositor | Safeguarded MX.IPAB | €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 | 4.3 ★ iOS 4.4 · And 4.3 | 4.5 ★ iOS 4.5 · And 4.4 |
| Read review → | Read review → | |
Pick Klar if…
Mexican challenger neobank under SOFIPO licence (CNBV). Credit-card-led — competes with Stori for the underbanked-credit segment. SOFIPOs have limited IPAB cover compared to full banks (instituciones de banca múltiple).
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 Klar won 1 of 4
- Best for protection Nequi won 2 of 2
- Best for reach Tied
- Best for ux Nequi won 1 of 2
Nequi vs Klar — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Klar better than Nequi?
Under our v3 methodology, Nequi leads Klar 4–1 across 12 dimensions. Composite scores: Klar 50/100 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 Klar or Nequi cheaper?
Monthly fee — Klar: €0; Nequi: €0. Card FX markup — Klar: 2.00%; Nequi: 3.00%. Klar 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, Klar or Nequi?
Klar holds a Payment inst. licence under CNBV; 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 Klar and Nequi?
Klar 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.