Nequi Guatemala review

Updated October 13, 2026 · VaultCue Editorial Team

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Our verdict

Nequi Guatemala trades branch access for phone based control, so everyday handling stays inside one app. Nequi Guatemala is a digital account for people in Guatemala who send, receive and organise everyday money by mobile and set aside savings with purpose.

Key facts

Best for
Everyday phone money and simple goal saving in Guatemala
Monthly fee
GTQ 0↗
Transfer fee
No fee (0) for sending to Nequi, BAM or other banks, and no management fee↗
Legal entity
Banco Agromercantil de Guatemala, S.A.↗
Headquarters
Guatemala↗
Support channels
Help-centre↗
Pricing model
No monthly fee
Features
Digital-only, No credit check
Official website
nequi.com.gt

Savings

Headline rate
4%↗
Rate type
Variable↗
Term
3 to 24 months↗
Minimum deposit
GTQ 1,000↗
Access terms
Chubal savings goal kept for the chosen term (3-24 months), up to 10 active Chubales, cancel any time with no penalty; Nequi account sends and receives money instantly 24/7↗
Account kind
Fixed↗

Money transfer

Delivery time
Instant, 24/7; remittance arrives in minutes↗
Payout methods
Bank, Cash-pickup↗
Fee to send 1,000
GTQ 0↗

Facts checked September 26, 2026, 6 sources

Apps and profiles

Get the app
Google Play
Elsewhere
Wikidata

Pros and cons

Pros

  • Links your mobile number to your balance for simple sending and receiving.
  • Offers Sobres for daily control and Chubales for purposeful saving.
  • Handles mobile top ups and cash access through nearby points and machines.
  • Receives transfers from other banks directly into the app balance.

Cons

  • Operates as a phone only service without physical branch attention.
  • Serves everyday needs in one country rather than wider regional coverage.
  • Covers transfers, top ups and simple saving without broader banking products.

Ready to try Nequi Guatemala?

Who it suits

  • Phone first earners who organise everyday money in Guatemala
  • Friends and family who exchange modest sums by mobile number

Who should look elsewhere

  • People who prefer face to face banking inside branches

Where Nequi Guatemala is available

Available
Guatemala

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What is Nequi Guatemala?+

Nequi Guatemala is a digital account that works with your telephone number and lets you move money with less hassle. You send, receive and use your balance from your mobile for daily needs. You also organise spending and save with purpose inside the same place.

Where can you use Nequi Guatemala?+

Nequi Guatemala serves people in Guatemala who manage money by mobile. You handle your balance from any location through your telephone number. You send to contacts and receive from other banks without visiting a branch.

What are Sobres Nequi?+

Sobres Nequi are envelopes that help you control everyday money with clear order. You separate sums for transport, food or household needs. You track what remains for each purpose and keep daily spending tidy.

How do Chubales help you save?+

Chubales are purpose pots that help you save toward a chosen goal. You keep each saving for a period you select and follow its progress in the app. You can end the habit when your plans change and keep building steady routines.

Who finds Nequi Guatemala useful?+

Nequi Guatemala suits beginners who want plain language and concrete daily examples. You manage small exchanges with friends and family through mobile numbers. You also value envelopes for order and goal pots for steady saving.

Sources

Compiled from 6 source pages, checked October 13, 2026. We did not open an account.

Not confirmed yet: Licence type, Deposit protection, Currency conversion fee, Currencies.

Nequi Guatemala

Everyday phone money and simple goal saving in Guatemala

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