Nequi vs Wise
Nequi
nequi.com.co
Wise
wise.comSide by side
| Figure | Nequi | Wise |
|---|---|---|
| Price from | Free | Free |
| Free plan | Yes | Yes |
| Free trial | — | — |
| Open source | — | — |
| Web | — | Yes |
| iOS | Yes | Yes |
| Android | Yes | Yes |
| Plans published | 2 | 1 |
| Spec score · Money Transfer Apps | 8.3 (#31) | 8.9 (#5) |
| Free plan | Yes | Yes |
| Integrations | Nequi says users can access investments in stocks through trii and Acciones y Valores S.A. from the app. | Wise says it has partnered with companies including Monzo, Bolt, and GoCardless to provide their customers international banking services. |
| Mobile platforms | both | The Wise app is available for iOS through the Apple App Store and for Android through Google Play. |
| Recipient methods | wallet | bank |
| Regulatory status | Nequi says it began operating as Nequi S.A. Compañía de Financiamiento on September 1, 2026, as part of Grupo Cibest. | Wise says it is licensed in most states and regulated by authorities worldwide. |
| Support | Nequi provides a help center with guidance for using products, solving problems, managing accounts, and reporting emergencies involving money. | Wise says its customer support is available by email, live chat, and phone, 24/7 in English and in 14 other languages. |
| Transfer speed | instant | On many popular routes, transfers can arrive within one day, the same day, or instantly. |
| Transfer tracking | Yes | The app shows the list and current status of transfers users have set up. |
Plans
Nequi
- Tarjeta Nequi Visa digitalFree
- Tarjeta Nequi Visa física + digital23,200 COP, paid once
In their own words
Wise
Wise is a money app for sending money, receiving payments from abroad, checking exchange rates, paying bills, and sending money to loved ones. It sends to bank accounts in over 140 countries; delivery on many popular routes is within a day, the same day, or instant. Wise says it uses the mid-market exchange rate and displays fees before payment. Signing up is free, with no subscription; sending and conversion fees vary by currency and start from 0.33%. Sending to another Wise account has no sending fee, though conversion fees may still apply. Transfers can be funded with Apple Pay, Google Pay, cards, or bank transfer. Users can track and schedule transfers, repeat previous transfers, and receive live exchange-rate notifications. Wise says it safeguards customer money separately from its own and uses two-factor authentication to protect accounts and transactions. Photo ID may be required for some currencies or large transfers. The app is available on Android, iOS, and web.