neo by Bank Audi review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
neo by Bank Audi suits people who want everyday money and travel rewards handled in an app, not a branch. It is a digital account from a bank founded in 1830, holding 6 currencies, with a card paying miles at 1.5 miles per USD 1 spent.
Key facts
- Best for
- Anyone who wants bank-backed multi-currency spending and travel rewards in one app.
- Monthly fee
- $1.99↗
- Currency conversion fee
- 1.5% to 4.8%↗
- Card type
- Debit↗
- Top-up fee
- 3.5% of total amount↗
- Currencies
- 6↗
- Legal entity
- Bank Audi S.A.L.↗
- Headquarters
- Lebanon↗
- Founded
- 1830↗
- Support channels
- Phone, Chat, Help-centre↗
- Features
- Multi-currency, Virtual card
- Official website
- neo.com.lb
Credit cards
Savings
- Access terms
- On-demand digital access: accounts opened at no cost in the app, 200+ Bank Audi ATMs, 24/7 contact center↗
- Account kind
- Easy access↗
Facts checked September 26, 2026, 5 sources
Apps and profiles
- Get the app
- App StoreGoogle Play
- Elsewhere
- LinkedInXfacebook.comyoutube.com
Pros and cons
Pros
- Multi-currency and a virtual card on one account covering 6 currencies.
- Miles at 1.5 miles per USD 1 spent plus Airport lounge access, Travel discounts and Travel insurance on the Bank Audi card.
- Support on phone, chat and help centre with round the clock contact centre cover.
- Accounts open on demand in the app at no cost, with a network of Bank Audi ATMs to withdraw from.
Cons
- Currency conversion fees run 1.5% to 4.8%, so spending outside the currencies the account holds is costly.
- Top-ups cost 3.5% of total amount of the amount loaded.
- The standard package charges a monthly fee of $1.99.
Who it suits
- People who want an account and card managed from an app, with accounts opened on demand.
- Travellers who spend in several currencies and want miles on top of everyday spending.
- Anyone who prefers a bank as the counterparty rather than a standalone app company.
Who should look elsewhere
- Not bunq if the monthly fee decides it, since bunq charges €0 a month against $1.99 here.
- Not Wise if you want a fee-free everyday account, because Wise's monthly fee is £0.
- Not Varo Believe Secured Credit Card for the travel side, since its monthly fee is $0 and neo by Bank Audi adds miles and lounge access.
How neo by Bank Audi compares
9.3 vs 9.4
9.3 vs 9.0
9.3 vs 8.9
9.3 vs 9.4
9.3 vs 8.7
9.3 vs 9.2
9.3 vs 9.4
9.3 vs 8.7
9.3 vs 9.3
9.3 vs 8.9
9.3 vs 8.6
9.3 vs 9.2
9.3 vs 8.4
9.3 vs 8.5
9.3 vs 8.8
9.3 vs 9.0
9.3 vs 8.6
9.3 vs 8.3
9.3 vs 9.5
9.3 vs 9.4
9.3 vs 9.4
9.3 vs 9.3
9.3 vs 9.3
9.3 vs 9.3
9.3 vs 9.3
9.3 vs 9.2
9.3 vs 9.2
9.3 vs 9.2
9.3 vs 9.1
9.3 vs 9.1
9.3 vs 9.1
9.3 vs 9.1
9.3 vs 9.0
9.3 vs 9.0
9.3 vs 9.0
9.3 vs 8.9
9.3 vs 8.8
9.3 vs 8.7
9.3 vs 8.5
9.3 vs 8.4
9.3 vs 8.0- 9.3 vs 8.0
Where neo by Bank Audi is available
- Available
- Lebanon
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does neo by Bank Audi cost to keep each month?+
The standard package shows a monthly fee of $1.99, while the account is also listed on a no monthly fee model, so what you pay depends on the package you pick. Currency conversion fees run 1.5% to 4.8% on spending in a currency the account does not hold.
Is neo by Bank Audi a bank or a fintech app?+
It is the digital account of Bank Audi S.A.L., a bank founded in 1830 and headquartered in Lebanon. Accounts open on demand in the app at no cost, and support runs around the clock. The account is set up as an easy access account rather than a fixed or notice account.
How many currencies can I hold in the account?+
You can hold 6 currencies, and multi-currency is one of the multi currency and virtual card listed for the account. Keeping your money in the currencies you actually spend in avoids the 1.5% to 4.8% conversion charge, so the account suits everyday local spending.
What do I earn when I spend on the card?+
The card pays miles at 1.5 miles per USD 1 spent. Miles are the rewards type on offer, and they come with Airport lounge access, Travel discounts and Travel insurance. The value sits in travel, so the card earns most for anyone paying for flights, hotels and travel extras.
What does it cost to load money into the account?+
Each top-up costs 3.5% of total amount of the amount loaded, so the charge climbs with the size of every deposit. Loading in fewer, larger amounts keeps that cost down. The top-up fee sits on top of the monthly fee and the conversion fee.
How do I reach someone if something goes wrong?+
Support runs on phone, chat and help centre, and Bank Audi offers round the clock contact centre cover for the account. You can also open a new account in the app whenever you want, and there is a network of Bank Audi ATMs if you need cash.
Does the account come with a virtual card?+
Yes. A virtual card is one of the multi currency and virtual card listed for the account, alongside multi-currency. The account issues a debit card as well, so you can keep a physical card for everyday use and a virtual one for online payments.
Sources
- en.wikipedia.org/wiki/Bank_Audi checked September 26, 2026
Backs: Founded, Legal entity
“Bank Audi was founded in 1830, but was only incorporated as a bank in 1962”
- bankaudi.com.lb/personal-banking/cards/cards-listing/ceda... checked September 26, 2026
Backs: Perks, Rewards rate, Rewards type
“Airport lounge access via MasterCard Travel Pass, Travel insurance and purchase protection benefits”
- neo.com.lb/english/faq checked September 26, 2026
Backs: Account kind, Top-up fee, Support channels
“neo offers Fresh LBP and Fresh USD Accounts”
- neo.com.lb/english/home checked September 26, 2026
Backs: Card kind, Card type, Currencies, Features, Currency conversion fee, Headquarters, Monthly fee
“neo Cedar Miles Credit Card”
- neo.com.lb/english/packages checked September 26, 2026
Backs: Access terms, Pricing model
“you will automatically open a Fresh LBP and USD accounts for you at NO COST”
Compiled from 5 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Free ATM withdrawals, Protection.
neo by Bank Audi
Anyone who wants bank-backed multi-currency spending and travel rewards in one app.