Nequi Guatemala review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Nequi Guatemala suits savers in Guatemala who want a small, app-based savings goal with steady interest and no monthly charge. The Chubal pays a headline rate of 4% on balances from a GTQ 1,000 minimum, with a term of 3 to 24 and no penalty for cancelling early.
Key facts
- Best for
- Saving a set amount in a goal account inside an everyday money app.
- 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↗
- Monthly fee
- GTQ 0↗
- Account kind
- Fixed↗
- Legal entity
- Banco Agromercantil↗
- Headquarters
- Guatemala↗
- Support channels
- Phone, Help-centre↗
- Pricing model
- No monthly fee
- Official website
- nequi.com.gt
Facts checked September 26, 2026, 3 sources
Apps and profiles
- Get the app
- Google Play
- Elsewhere
- Wikidatayoutube.com
Pros and cons
Pros
- A fixed savings goal paying a headline rate of 4%, well above the site median of 3%
- A monthly fee of GTQ 0, so the balance earns interest without a monthly charge
- A term of 3 to 24, short enough to plan around and cancellable at any time with no penalty
- The Nequi account sends and receives money instantly at any hour, so funding the goal is immediate
Cons
- The rate is variable, so the interest on your balance can change
- A GTQ 1,000 minimum deposit is well above the site median of €0.88
- Support runs on phone and help centre only
Ready to try Nequi Guatemala?
Who it suits
- Guatemalan savers who set aside a fixed amount each month for a goal such as a trip or a purchase
- Nequi Guatemala app users who want their savings and everyday spending in one place
- People who want to lock money away for a set stretch and still leave early if plans change
Who should look elsewhere
- People wanting the highest rate on the market, since the rate ranks 144 of 488 on the site
- Savers who need instant access to the money, since a Chubal runs for a term of 3 to 24
- Anyone outside Guatemala, as GT is the only market covered
Who runs it
Nequi Guatemala is run by Banco Agromercantil, which sits in Guatemala. The savings product is the Chubal, a goal account that runs for a term of 3 to 24 and can be cancelled at any time with no penalty. Up to ten Chubales can be active at once, so several goals can run together. Help is available by phone and through the help centre, and the Nequi account moves money instantly at any hour.
How Nequi Guatemala compares
Where Nequi Guatemala is available
- Available
- Guatemala
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What interest does the Chubal pay?+
The Chubal pays a headline rate of 4% on the balance you put aside. That is above the site median of 3%, though the site range runs from 0% to 101.5%.
Does the interest rate change?+
Yes. The rate is variable, which means it can move up or down over the life of the goal. Of the savings accounts compared, 53.9% share the same variable treatment.
How much do I need to put in?+
A Chubal starts from a GTQ 1,000 minimum deposit. That is well above the site median of €0.88, and the top quartile of accounts on the site start at €43.85 or less.
Is there a monthly fee?+
No. The monthly fee is GTQ 0, so nothing is deducted from the account each month and the whole balance keeps earning the headline rate of 4%.
How long must I leave the money?+
A Chubal runs for a term of 3 to 24. You can cancel at any time with no penalty, which makes it closer to a flexible goal than a locked deposit.
How many savings goals can I open?+
Up to ten Chubales can be active at the same time, so you can run separate goals for different purposes and pick the term that suits each one within 3 to 24.
Who holds my money?+
The account is operated by Banco Agromercantil, which is based in Guatemala. The legal entity and country of operation are the only ownership details stated for the savings product.
How do I get help if something goes wrong?+
Support is available through phone and help centre. A phone line covers urgent account questions, while the help centre handles the everyday how-to side.
Can I move money in and out while saving?+
The Nequi account sends and receives money instantly at any hour, so you can top up a Chubal whenever you are paid. The goal itself still runs for its chosen term of 3 to 24.
Sources
- nequi.com.gt checked September 26, 2026
Backs: Headquarters, Legal entity, Pricing model, Monthly fee, Support channels
“Banco: BAM - Banco Agromercantil”
- nequi.com.gt/legal/terminos-y-condiciones-del-chubal checked September 26, 2026
Backs: Access terms, Headline rate, Rate type, Term
- nequi.com.gt/personas/chubales checked September 26, 2026
Backs: Account kind, Minimum deposit
Compiled from 3 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Deposit protection.
Related by the facts
Nequi Guatemala
Saving a set amount in a goal account inside an everyday money app.