Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie settingsCookie policy

Neon review

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

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

Neon suits Brazilian customers who want a spending account, easy-access savings and a personal loan in one app.

Key facts

Best for
One app for a Brazilian spending account, easy-access savings and a small personal loan.
Monthly fee
R$0↗
Currency conversion fee
10.5%↗
Free ATM withdrawals
R$0↗
Card type
Debit↗
Legal entity
Neon Pagamentos↗
Headquarters
Brazil↗
Founded
2016↗
Support channels
Help-centre↗
Features
Multi-currency, Virtual card
Official website
neon.com.br

Loans

Loan amount
R$500 to R$15,000↗
Term
6 to 24 months↗
Arrangement fee
Cadastro para inicio de relacionamento, max R$ 749.90, charged only on the first loan product contracted↗
Credit check
Hard↗
Funding time
Money lands in the account within 48 hours of approval; analysis returned in up to 1 business day↗
Rate type
Variable↗
Lender type
Direct lender↗
Eligibility
Must hold a Neon account; Brazilian CPF, ID and proof of address are collected at account opening; loans are individual (pessoa fisica) only, with no INSS-backed loan for pensioners↗
Loan types
Personal, Credit-line↗
Credit needed
Poor↗
Use cases
Home-improvement↗
Pricing model
No monthly fee

Credit cards

Annual fee
R$0↗
Rewards type
Cashback↗
Rewards rate
0.5% cashback↗
Perks
Adjustable credit limit, Virtual card option, International card↗
Cashback rate
0.5%↗
Card kind
Credit↗

Savings

Minimum deposit
R$1↗
Access terms
Daily liquidity, redeem at any time (CDB Neon liquidez diaria)↗
Account kind
Easy access↗

Facts checked September 26, 2026, 8 sources

Apps and profiles

Get the app
App StoreGoogle Play
Elsewhere
LinkedInTrustpilotWikipediacrunchbase.com

Pros and cons

Pros

  • Savings give daily liquidity, so the balance can be redeemed at any time
  • Rewards run as cashback, and everyday spending earns 0.5% cashback
  • Borrowing of BRL 500 to BRL 15,000 over 6 to 24 sits in the same app, with a hard credit check and a poor credit requirement

Cons

  • The currency conversion fee of 10.5% makes foreign spending costly
  • Support runs on help centre only, with no phone or email channel for the account
  • A relationship registration charge applies, and it is charged only on the first loan product contracted
Neon

Ready to try Neon?

Scored 8.5 / 10 by SumCue.

See alternatives

Who it suits

  • Brazilian customers who want a spending account, savings and a credit line in one place
  • People who want savings kept accessible rather than tied to a fixed term
  • Customers who want an adjustable credit limit, a virtual card option and an international card

Who should look elsewhere

  • Wise, for anyone who needs a multi-currency account outside Brazil: its monthly fee is £0
  • bunq, for European account holders who want cards and spending away from Brazil, with a monthly fee of €0
  • Varo Believe Secured Credit Card, for US customers building secured credit rather than holding Brazilian savings, at a monthly fee of $0

Where it sits among rivals

Against 422 brands compared on monthly fee, Neon ranks 1. The picture changes on two other costs. On free ATM withdrawals it sits at 44 of 124, and on the currency conversion fee it ranks 258 of 258. So the account is cheap to hold and expensive to spend abroad.

Rates and terms

Savings at Neon run on a variable rate, so the return moves with the market rather than being fixed at the start. Borrowing works the other way: the repayment window runs over 6 to 24 and is set once, so the loan cost is clear for the whole term.

How Neon compares

Where Neon is available

Available
Brazil
Licence in Brazil
Banco Central do Brasil, checked September 26, 2026

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

Frequently asked questions

What does a Neon account cost to hold?+

Holding the account is light on charges: the monthly fee is BRL 0 and the annual fee is BRL 0. The cost to watch sits abroad, where currency conversion runs at 10.5%. Savings start from a minimum deposit of BRL 1, so the entry point stays low.

How do the savings work?+

Savings sit in an easy-access product with a variable rate, so the balance is designed for access rather than a fixed term. Liquidity is daily and money can be redeemed at any time, which makes it closer to a holding pot. The minimum deposit is BRL 1.

Is the money protected and who regulates Neon?+

Neon sits under the Banco Central do Brasil, the regulator named for Brazil, and the legal entity behind the brand is Neon Pagamentos. The entity is based in Brazil and the accounts, cards and loans all belong to the same Brazilian operation, so the regulator and the entity are the first checks for a customer in that market.

What can I borrow and what does it cost?+

Neon offers personal loans and a credit line of BRL 500 to BRL 15,000, repayable over 6 to 24, and it lends as a direct lender rather than a broker. Applications run a hard credit check and the credit requirement is poor, so approval is not reserved for strong files. Funds reach the account after approval, with the assessment returned within a business day.

What card comes with the account?+

The account comes with a debit card, and Neon issues a credit card with an international option. The credit limit can be adjusted and a virtual card is available. Rewards run as cashback, and everyday spending earns 0.5% cashback.

Who can open an account?+

Opening the account needs a Brazilian CPF along with ID and proof of address, and those documents are taken at account opening. Borrowing is separate: you must already hold a Neon account, loans are individual only, and no INSS-backed product is offered for pensioners.

How do I get help?+

Support runs through help centre, so a help centre carries the account questions, and no phone or email channel appears for the account. That suits customers who are comfortable reading answers in the app or online rather than talking to someone on a phone line, and it means card questions and disputes are handled in writing.

Can I use Neon outside Brazil?+

The account and its lending sit in Brazil under the Banco Central do Brasil licence, so the service is built for Brazilian residents rather than UK or European customers. Multi-currency features and an international card help with overseas spending, but currency conversion runs at 10.5%, which is the part to weigh before spending abroad.

Sources

Compiled from 9 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Protection.

Neon

Neon

One app for a Brazilian spending account, easy-access savings and a small personal loan.

8.5/10See alternatives