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Nequi Tienda Virtual review

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

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Our verdict

Nequi Tienda Virtual suits Colombian adults who want an easy-access savings account with no monthly charge, plus small personal borrowing in the same app without visiting a branch. The balance is uncapped, deposits are insured by FOGAFIN, and the monthly fee stands at COP 0.

Key facts

Best for
Colombian natural persons keeping everyday savings in the app and borrowing small amounts for home improvement.
Rate type
Variable↗
Term
1 to 48 months↗
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↗
Monthly fee
COP 0↗
Account kind
Easy access↗
Legal entity
Nequi S.A. Compania de Financiamiento↗
Headquarters
Colombia↗
Founded
2016↗
Support channels
Phone, Chat, Help-centre, Community↗
Pricing model
No monthly fee
Official website
nequi.com.co

Loans

APR
2.73% to 65.36%↗
Loan amount
COP 100,000 to COP 5,550,000↗
Arrangement fee
0 COP - loan management, loan study, disbursement and collection fees are free↗
Credit check
Hard↗
Funding time
Disbursement in minutes↗
Representative example
Credito de Bajo Monto: COP 1,000,000 over 36 months at 2.4% E.M (33% E.A), monthly payment COP 49,671↗
Lender type
Direct lender↗
Free early repayment
Yes↗
Eligibility
Ages 18 to 65, no pending payment obligations↗
Origination fee (%)
0% to 4%↗
Loan types
Personal↗
Credit needed
Poor↗
Use cases
Home-improvement↗
Features
Virtual card

Debit cards

Card type
Debit↗
Card network
Visa↗

Facts checked September 26, 2026, 10 sources

Apps and profiles

Get the app
App StoreGoogle Play
Elsewhere
WikidataLinkedInX

Pros and cons

Pros

  • The savings account carries a monthly fee of COP 0, so holding a balance costs nothing to run.
  • Personal loans run 2.73% to 65.36% over terms of 1 to 48, offered by a direct lender rather than a broker: direct lender.
  • Loan management, loan study, disbursement and collection fees are free, and early repayment carries no charge.
  • Disbursement runs Disbursement in minutes, and support covers phone, chat and help centre for account questions.

Cons

  • The savings rate is variable, so the return can move rather than staying locked for a term.
  • The account is for adults within Ages 18 to 65, no pending payment obligations, with a single savings account per user.
  • Borrowing requires a hard credit check, and the credit needed is poor.
Nequi Tienda Virtual

Ready to try Nequi Tienda Virtual?

Scored 8.6 / 10 by SumCue.

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Who it suits

  • Colombian natural persons wanting easy access access with no monthly charge: COP 0.
  • Adults within Ages 18 to 65, no pending payment obligations who want small personal borrowing paid out Disbursement in minutes.
  • Borrowers funding home improvement who also want a visa debit card in the same app.

Who should look elsewhere

  • Vivid Plus, which prices at a fixed rate and suits readers who want a locked return.
  • Plazo ES, whose fixed rate suits a planned fixed commitment instead of easy access.
  • AXI Card Tarjeta y Credito, a card and credit pairing at a fixed rate, for bundled card and borrowing.

How Nequi Tienda Virtual compares

Where Nequi Tienda Virtual is available

Available
Colombia

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

Frequently asked questions

What does the Nequi savings account cost to run?+

The account carries a monthly fee of COP 0, and the pricing model is no monthly fee, so there is nothing to pay each month for holding savings. The balance is uncapped and there is no transaction cap, so money can build up without a ceiling.

Is the money in the account protected?+

The savings account offers easy access access, and deposits are insured by FOGAFIN, the scheme named in the account terms. It is for Colombian natural persons, and each person can hold a single savings account.

Is the savings rate fixed or variable?+

The rate type is variable, so the return can change over time rather than staying locked for a term. That suits readers who put quick access above a guaranteed rate.

How much can I borrow and over what term?+

The personal loans run COP 100,000 to COP 5,550,000 with terms of 1 to 48 at an annual rate of 2.73% to 65.36%. The stated use case is home improvement, and the representative example sets out a monthly payment with the rate shown alongside the term.

What credit check does the loan need?+

The credit check is hard, which means a full assessment rather than a soft prequalification. The credit needed is poor, and loans go to adults within Ages 18 to 65, no pending payment obligations who have no pending payment obligations.

Are there arrangement fees on a loan?+

Loan management, loan study, disbursement and collection fees are free, and early repayment carries no charge. A percentage origination charge of 0% to 4% may still apply, so check the total cost before you sign.

How fast is the money and how do I get help?+

Disbursement runs Disbursement in minutes, and support covers phone, chat and help centre for account questions. The Nequi card is a debit card on the visa network, with a virtual card listed among its features.

Which country can I open this in?+

The savings account is for Colombian natural persons and adults only, so it opens in a single market: CO. The lender is direct lender, which means Nequi provides the credit itself rather than matching you with other lenders.

Sources

Compiled from 10 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Headline rate, Minimum deposit, Deposit protection.

Nequi Tienda Virtual

Nequi Tienda Virtual

Colombian natural persons keeping everyday savings in the app and borrowing small amounts for home improvement.

8.6/10See alternatives