Updated October 13, 2026 · VaultCue Editorial Team
Kaspi.kz vs Nequi
Kaspi.kz
Nequi
Higher score in this comparison
Kaspi.kz vs Nequi: the differences
| Compare | Kaspi.kzReviewSee alternativesSee alternatives | NequiReviewSee alternativesSee alternatives |
|---|---|---|
| Monthly fee | KZT 0 | COP 0 |
| Transfer fee | Free to other Kaspi clients | Free (GRATIS) to send to Nequi or Bancolombia accounts/deposits, to other banks via ACH, and by QR |
| Currency conversion fee | Not confirmed | 3% |
| Currencies | Not confirmed | 2 |
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Key differences
- Founded is lower at Kaspi.kz: 2002 vs 2015.
- Support channels: only Nequi offers Community.
- Audience: only Nequi offers Freelancer.
- Features: only Kaspi.kz offers Digital only.
Our verdict on each
Kaspi.kz
Kaspi.kz stands apart from counter based everyday accounts by centring everyday money around a mobile app with QR transfers. It is an easy-access account option for people who want phone based management and straightforward person to person payments for daily use.
Nequi
Nequi suits Colombian adults who want everyday spending and an insured savings balance in a single free account, not readers who need a long currency list. The monthly fee is COP 0, and currency conversion at 3% is the only charge that adds up.
Score breakdown
| Area | Kaspi.kz | Nequi |
|---|---|---|
| Cost | Not confirmed | 8.2The monthly fee is COP 0 and transfers are free, but conversion at 3% is well above the everyday-accounts median 0.22%. |
| Offer | 9.2Higher | 9.1 |
| Trust | 9.0Higher | 8.4 |
How they place
| Ranking | Kaspi.kz | Nequi |
|---|---|---|
| Savings accounts | 1032 of 1420 | 582 of 1420 |
| Business bank accounts | 382 of 563 | 266 of 563 |
| Money transfer services | 943 of 1564 | 446 of 1564 |
| Student, teen and kids accounts | 211 of 273 | 178 of 273 |
Every fact side by side
| Fact | Kaspi.kz | Nequi |
|---|---|---|
| Audience | Teen, Business | Teen, Business, FreelancerCovers more |
| Pricing model | No monthly fee | No monthly fee |
| Features | Free ATM, Digital onlyCovers more | Free ATM |
| Legal entity | Kaspi Bank JSC | Nequi S.A. Compania de Financiamiento |
| Headquarters | Kazakhstan | Colombia |
| Founded | 2002Lower | 2015 |
| Support channels | Phone, Chat, Help centre | Phone, Chat, Help centre, CommunityCovers more |
Savings
| Fact | Kaspi.kz | Nequi |
|---|---|---|
| Headline rate | 15% | Not confirmed |
| Rate type | Variable | Variable |
| Minimum deposit | KZT 1,000 | Not confirmed |
| Access terms | Top up any amount at any time; partial withdrawal any time without loss of interest | Nequi savings account for Colombian natural persons over 18, unlimited balance and no transaction cap, one savings account per user, deposit insured by FOGAFIN |
| Account kind | Easy access | Easy access |
Money transfer
| Fact | Kaspi.kz | Nequi |
|---|---|---|
| Exchange rate markup | Not confirmed | 3% |
| Delivery time | Instant for P2P transfers via the mobile app and QR | Within 24 hours |
| Payout methods | Bank, Card, Wallet | Bank, Cash pickup, Wallet |
| Fee to send 1,000 | KZT 0 | COP 0 |
Where each stands against the rest
| Fact | Kaspi.kz | Nequi | Median |
|---|---|---|---|
| Currency conversion fee | Not confirmed | 3%highest quarter | 0.5% |
| Currencies | Not confirmed | 2lowest quarter | 5 |
Median across 536 listed accounts.
Pros and cons
Kaspi.kz
Pros
- Easy-access structure that keeps everyday money ready for daily spending needs
- Mobile app centred access with QR route for person to person transfers
- Instant handling of person to person transfers for everyday payment moments
Nequi
Pros
- Deposits are insured by FOGAFAN, and the balance is unlimited with no transaction cap.
- The account kind is easy access and the savings rate is variable.
- Money can go to a bank, a cash pickup point or a wallet, per bank, cash pickup and wallet.
Cons
- Currency conversion costs 3% with a markup of 3%, above the everyday-accounts fee median of 0.22%.
- Only 2 currencies are supported, against an everyday-accounts median of 9.
- A single savings account per user, and only Colombian natural persons can open it.
Who each suits
Kaspi.kz
Who it suits
- People who prefer app based account management
- People who make frequent person to person payments
Nequi
Who it suits
- Colombian adults who want savings and everyday spending in a single free account with insured deposits
- People in Nequi's core audience of teen, business and freelancer, from teens to freelancers
- Freelancers in Colombia who take payouts to a bank, a cash pickup point or a wallet, per bank, cash pickup and wallet
Who should look elsewhere
- Readers who hold many currencies: Nequi covers 2 and charges 3% to convert, so Skrill is the one to compare
- Anyone earning or saving in euros rather than pesos, since Plazo ES is priced in euros with a monthly fee of €0
- Readers who want a payment wallet rather than an insured savings balance, since PayPal Colombia also has a $0 monthly fee
Current offers
Nequi
Current offer
Bonus
Tienda Virtual Nequi: Walaky cashback: Up to 7% money back
Devolucion de plata on digital purchases at Walaky through Tienda Virtual Nequi
Source, checked September 26, 2026
Bonus
Tienda Virtual Nequi: Clevercel cashback: Up to 4% cashback
Devolucion de plata on digital purchases at Clevercel through Tienda Virtual Nequi
Source, checked September 26, 2026
Country by country
| Country | Kaspi.kz | Nequi |
|---|---|---|
| Colombia | No | Yes |
| Kazakhstan | Yes | No |
Questions about each
Kaspi.kz
What kind of account does Kaspi.kz provide?+
Kaspi.kz provides an easy-access everyday account that you manage through a mobile app. You can use it for daily money and person to person transfers with a QR option. Check how access and daily use fit your routine before you choose.
Who might consider this account?+
People who like managing money by phone may consider this option. It suits daily spending and sending money to other people through the app. Consider whether app based management matches how you handle money each day.
Nequi
What does Nequi cost to keep each month?+
The Nequi savings account carries a monthly fee of COP 0, so there is no standing charge for Colombian adults. Transfers to Nequi or Bancolombia accounts, to other Colombian banks by ACH and by QR are free, with a transfer fee of COP 0.
Is my money protected in a Nequi savings account?+
Deposits in the Nequi savings account are insured by FOGAFIN, and the account kind is easy access. The balance is unlimited with no transaction cap, and the account is open to Colombian natural persons with a single savings account per user.
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