Updated October 14, 2026 · VaultCue Editorial Team
Nequi vs PX Pay 全支付
Nequi
Higher score in this comparison
PX Pay 全支付
Where Nequi and PX Pay 全支付 differ
| Compare | NequiReviewSee alternativesSee alternatives | PX Pay 全支付ReviewSee alternativesSee alternatives |
|---|---|---|
| Monthly fee | COP 0 | Not confirmed |
| Currency conversion fee | 3% | Not confirmed |
| Currencies | 2 | Not confirmed |
| Transfer fee | Free (GRATIS) to send to Nequi or Bancolombia accounts/deposits, to other banks via ACH, and by QR | Not confirmed |
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Our verdict on each
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.
PX Pay 全支付
A 2022 cooperation note describes embedding an SDK in the PX Mart app to provide PX Pay members with PXPay Plus payment services.
Score breakdown
| Area | Nequi | PX Pay 全支付 |
|---|---|---|
| Cost | 8.2The monthly fee is COP 0 and transfers are free, but conversion at 3% is well above the everyday-accounts median 0.22%. | Not confirmed |
| Offer | 9.1 | Not confirmed |
| Trust | 8.4 | Not confirmed |
How they place
| Ranking | Nequi | PX Pay 全支付 |
|---|---|---|
| Money transfer services | 446 of 1564 | 1273 of 1564 |
Every fact side by side
| Fact | Nequi | PX Pay 全支付 |
|---|---|---|
| Audience | Teen, Business, Freelancer | Not confirmed |
| Pricing model | No monthly fee | Not confirmed |
| Features | Free ATM | Not confirmed |
| Legal entity | Nequi S.A. Compania de Financiamiento | Not confirmed |
| Headquarters | Colombia | Not confirmed |
| Founded | 2015 | Not confirmed |
| Support channels | Phone, Chat, Help centre, Community | Not confirmed |
Money transfer
| Fact | Nequi | PX Pay 全支付 |
|---|---|---|
| Exchange rate markup | 3% | Not confirmed |
| Delivery time | Within 24 hours | Not confirmed |
| Payout methods | Bank, Cash pickup, Wallet | Not confirmed |
| Fee to send 1,000 | COP 0 | Not confirmed |
Savings
| Fact | Nequi | PX Pay 全支付 |
|---|---|---|
| Rate type | Variable | Not confirmed |
| Access terms | Nequi savings account for Colombian natural persons over 18, unlimited balance and no transaction cap, one savings account per user, deposit insured by FOGAFIN | Not confirmed |
| Account kind | Easy access | Not confirmed |
Where each stands against the rest
| Fact | Nequi | PX Pay 全支付 | Median |
|---|---|---|---|
| Monthly fee | COP 0at the median | Not confirmed | COP 0 |
| Currency conversion fee | 3%highest quarter | Not confirmed | 0.5% |
| Currencies | 2lowest quarter | Not confirmed | 5 |
Median across 536 listed accounts.
Pros and cons
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.
PX Pay 全支付
Pros
- A 2022 cooperation note describes embedding an SDK in the PX Mart app to provide PX Pay members with PXPay Plus payment services.
- The notice does not establish that the two named products are identical.
Who each suits
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
PX Pay 全支付
Who it suits
- Readers checking a historical PX Pay and PXPay Plus integration note
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 | Nequi | PX Pay 全支付 |
|---|---|---|
| Colombia | Yes | No |
Questions about each
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.
Who regulates Nequi?+
Nequi runs in Colombia, where the regulator is the Superintendencia Financiera de Colombia, and the legal entity is Nequi S.A. Compania de Financiamiento. Deposits held in the savings account are insured by FOGAFAN, so safety rests on a named supervisor and a named deposit insurer.
Which currencies can I hold and convert?+
Nequi covers 2 currencies, and conversion costs 3% with a markup of 3%, above the everyday-accounts fee median of 0.22%. Spending and saving in pesos keeps the everyday account free of that charge.
Other options to compare
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Related by the facts
Nequi
PX Pay 全支付