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N58 Banco Digital review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

N58 Banco Digital suits adults and small businesses in its home market who want everyday spending and short-term credit in a single app. The debit account carries a monthly fee of VES 0.10, while a 0.2% conversion charge and an annual rate of 16% raise the cost for anyone travelling or borrowing.

Key facts

Best for
Everyday digital spending with a credit line included, for adults in the brand's home market.
Monthly fee
VES 0.10↗
Currency conversion fee
0.2%↗
Card type
Debit↗
Card network
Mastercard↗
Legal entity
N58 Banco Digital, S.A.↗
Headquarters
Venezuela↗
Support channels
Phone, Chat, Email, Help-centre↗
Features
Credit line
Official website
n58bancodigital.com

Loans

APR
16%↗
Arrangement fee
Flat fee 0.5% of the credit amount (Microcredit UVC)↗
Lender type
Direct lender↗
Origination fee (%)
0.5%↗
Loan types
Personal, Business↗

Facts checked September 26, 2026, 6 sources

Pros and cons

Pros

  • A monthly fee of VES 0.10 keeps the cost of holding a debit account modest.
  • The same app covers the card and a credit line, credit line, with personal and business lending, personal and business.
  • Support runs on phone, chat and email, so help is available by phone, chat, email or the help centre.

Cons

  • Borrowing costs 16% plus an origination charge of 0.5% of the credit amount, which is heavy on small loans.
  • Foreign currency use carries a 0.2% conversion charge, so trips abroad add cost to every transaction.
N58 Banco Digital

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Scored 9.5 / 10 by SumCue.

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Who it suits

  • Adults in the brand's home market who want everyday card spending and short-term credit from a single provider
  • Small businesses that need personal and business lending, personal and business, from the same bank that issues the card

Who should look elsewhere

  • bunq, if you want to hold a card account without a standing monthly cost, since its monthly fee is €0 against VES 0.10 here
  • Varo Believe Secured Credit Card, if you want a secured credit card, since the card here is a debit card, debit, on a different kind of account

Fees and currency costs

Holding the account costs a monthly fee of VES 0.10, quoted in the local currency rather than pounds or euros. Spending outside the country adds a currency conversion charge of 0.2% on top of the local price. Readers in the UK and Europe should convert both figures before comparing with an account priced in their own currency.

Who runs it

The account is run by N58 Banco Digital, S.A., the legal entity behind the brand, headquartered in Venezuela. The same team handles both card and account questions. Support runs on phone, chat and email, so an issue can be raised by phone, chat or email, or looked up in the help centre.

How N58 Banco Digital compares

Where N58 Banco Digital is available

Available
Venezuela

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

Frequently asked questions

What does it cost to hold a N58 Banco Digital account?+

Holding a N58 Banco Digital account costs a monthly fee of VES 0.10, quoted in the local currency rather than pounds or euros. That monthly amount is the standing cost to plan for, and spending abroad adds a further 0.2% conversion charge on each transaction.

What does it cost to borrow from N58 Banco Digital?+

Credit from N58 Banco Digital carries an annual rate of 16%, plus an origination charge of 0.5% of the credit amount. The bank lends as a direct lender, direct lender, so the agreement is with N58 itself rather than an outside provider.

What kind of card does N58 Banco Digital issue?+

N58 Banco Digital issues a debit card, listed as debit, running on the mastercard network. Spending comes straight out of the account balance, so there is nothing to settle at the end of the month and no interest is charged on ordinary purchases.

Can I get a credit line as well as a debit card?+

Yes. The account is offered with a credit line, credit line, alongside the debit card, and the lending side covers personal and business loans. That means adults can keep everyday spending and short-term borrowing in a single app rather than opening a separate account for each.

How do I get help if my card goes wrong?+

Support runs on phone, chat and email. Card problems such as a blocked payment or a disputed charge can be raised by phone or chat, which is quicker than email, or worked through in the help centre. Keeping the phone and chat routes in mind helps if a card is lost while abroad.

Can I use N58 Banco Digital from outside its home market?+

The bank is based in Venezuela and its pricing is quoted in the local currency, with a monthly fee of VES 0.10. UK and European readers should expect costs to move with the exchange rate, and foreign currency use carries a conversion charge of 0.2%.

Sources

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Free ATM withdrawals, Protection.

N58 Banco Digital

N58 Banco Digital

Everyday digital spending with a credit line included, for adults in the brand's home market.

9.5/10See alternatives