Updated October 16, 2026 · VaultCue Editorial Team
BNB Cuenta de Ahorro Digital vs Daviplata
BNB Cuenta de Ahorro Digital
Daviplata
Higher score in this comparison
What sets them apart
| Compare | BNB Cuenta de Ahorro DigitalReviewSee alternativesSee alternatives | DaviplataReviewSee alternativesSee alternatives |
|---|---|---|
| Monthly fee | Not confirmed | COP 0 |
| Currency conversion fee | Not confirmed | 0% |
| Currencies | Not confirmed | 2 |
| Free ATM withdrawals | Not confirmed | COP 0 |
| Transfer fee | Not confirmed | COP 0 for consumer transfers; up to COP 3,170 + IVA per transfer for business transfers via Portal Empresarial and Pyme |
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Our verdict on each
BNB Cuenta de Ahorro Digital
Banco Nacional de Bolivia’s 2023 report describes a boliviano savings account for individuals with remote opening and electronic withdrawal channels.
Daviplata
Daviplata suits expats and small businesses in Colombia who want one app for everyday banking and remittances, with a monthly fee of COP 0 and a currency conversion fee of 0%. Transfers land immediate, within minutes, and money comes out to a bank account, cash pickup or wallet.
Score breakdown
| Area | BNB Cuenta de Ahorro Digital | Daviplata |
|---|---|---|
| Cost | Not confirmed | 9.6Low cost: COP 0 monthly, 0% currency conversion fee, COP 0 on a consumer transfer. |
| Offer | Not confirmed | 8.3 |
Every fact side by side
| Fact | BNB Cuenta de Ahorro Digital | Daviplata |
|---|---|---|
| Audience | Not confirmed | Expats, Business |
| Pricing model | Not confirmed | No monthly fee |
| Features | Not confirmed | Digital only, Free ATM |
| Legal entity | Banco Nacional de Bolivia S.A. | Banco Davivienda S.A. |
| Headquarters | Not confirmed | Colombia |
| Founded | 1872 | Not confirmed |
| Support channels | Not confirmed | Help centre |
Money transfer
| Fact | BNB Cuenta de Ahorro Digital | Daviplata |
|---|---|---|
| Delivery time | Not confirmed | immediate, within minutes |
| Payout methods | Not confirmed | Bank, Cash pickup, Wallet |
| Fee to send 1,000 | Not confirmed | COP 0 |
Where each stands against the rest
| Fact | BNB Cuenta de Ahorro Digital | Daviplata | Median |
|---|---|---|---|
| Monthly fee | Not confirmed | COP 0at the median | COP 0 |
| Currency conversion fee | Not confirmed | 0%below the median | 0.5% |
| Currencies | Not confirmed | 2lowest quarter | 5 |
Median across 536 listed accounts.
Pros and cons
BNB Cuenta de Ahorro Digital
Pros
- The report describes remote opening and electronic withdrawal channels.
Cons
- The 2023 report does not establish current rates or eligibility.
Daviplata
Pros
- The monthly fee is COP 0, and consumer transfers cost nothing.
- A currency conversion fee of 0%, the lowest of the 312 brands compared.
- Remittances arrive immediate, within minutes, and payouts reach a bank account, cash pickup or wallet.
Cons
- Support runs on help centre only.
- Only 2 currencies are covered, so anyone trading in more may look at Skrill or Plazo ES.
- Business transfers through Portal Empresarial and Pyme carry a fee per transfer plus IVA, unlike consumer transfers at COP 0.
Who each suits
BNB Cuenta de Ahorro Digital
Who it suits
- Readers checking the 2023 account description
Daviplata
Who it suits
- Expats in Colombia who want a local account and a remittance wallet in the same app.
- Small businesses that pay and receive through consumer and business transfer routes.
- Readers who want free ATM access and no monthly charge, since the account fee is COP 0.
Who should look elsewhere
- Plazo ES, if you are paid in euros: its monthly fee is €0, and the 2 currencies Daviplata holds may not match your income.
- PayPal Colombia, if a wallet is enough: its monthly fee is $0, while Daviplata adds a bank account and free ATM withdrawals.
- Skrill, if you hold more currencies than the 2 Daviplata covers; its monthly fee is €0, so currency range is the only reason to move.
Country by country
| Country | BNB Cuenta de Ahorro Digital | Daviplata |
|---|---|---|
| Colombia | No | Yes |
Questions about each
Daviplata
What does it cost to keep a Daviplata account?+
The monthly fee is COP 0, so keeping the account open costs nothing. Consumer transfers are free on the same schedule. Charges appear on the business side: transfers made through Portal Empresarial and Pyme carry a fee per transfer plus IVA, which is the line to read if you pay suppliers through the app.
Does Daviplata charge for currency conversion?+
The currency conversion fee is 0%, the lowest of the 312 brands compared on that measure. It matters most for expats who receive or hold money in another currency. The account covers 2 currencies, so pairs outside that list need another route.
How quickly does a remittance arrive?+
Delivery is immediate, within minutes, so money sent from the app lands without a long wait. Payouts can go to a bank account, be collected as cash or land in a wallet, which lets a recipient pick what works locally. The same speed applies to business payments, though the fee is different there.
How do I get money out of a Daviplata account?+
Payout methods run to bank, cash pickup and wallet, so a transfer can reach a bank account, be collected as cash or land in a wallet. That matters for remittances, where the person receiving the money may have no local account. Withdrawals run through a digital-only app, with free ATM use under the COP 0 allowance.
Other options to compare
Related by the facts
BNB Cuenta de Ahorro Digital
Daviplata