Qik Banco Digital review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Qik Banco Digital suits adults in the Dominican Republic who want a savings account, a Visa debit card and a personal loan in one app, with a monthly fee of DOP 0 and a variable savings rate of DOP 1.80 to DOP 4.50. A credit check of hard on the loans narrows who is accepted.
Key facts
- Best for
- Dominican savers and borrowers who want the account, card and loan handled in one app.
- Monthly fee
- DOP 0↗
- Card type
- Debit↗
- Card network
- Visa↗
- Currencies
- 2↗
- Legal entity
- Qik Banco Digital Dominicano, S.A. Banco Múltiple↗
- Headquarters
- Dominican Republic↗
- Support channels
- Chat, Email, Phone↗
- Features
- Multi-currency, Virtual card, Travel
- Official website
- qik.com.do
Loans
- Loan amount
- up to DOP 1,000,000↗
- Term
- 6 to 60 months↗
- Credit check
- Hard↗
- Funding time
- Instant approval, money received within minutes in the Qik Account↗
- Rate type
- Variable↗
- Lender type
- Direct lender↗
- Free early repayment
- Yes↗
- Eligibility
- Dominican citizen, adult (18+) with valid national ID, living in the Dominican Republic, monthly income over RD$25,000, iOS or Android phone, and an open Qik Account↗
- Loan types
- Personal↗
- Pricing model
- No monthly fee
Savings
- Headline rate
- DOP 1.80 to DOP 4.50↗
- Minimum deposit
- DOP 0↗
- Access terms
- On demand access at any time: 100% digital management in the Qik app, ATM withdrawals with the Qik Debit Card at the Popular ATM network, cash withdrawals via Codigo CASH, interbank transfers, ACH and Pagos al Instante (BCRD); interest credited monthly↗
- Account kind
- Easy access↗
Facts checked September 26, 2026, 6 sources
Apps and profiles
- Get the app
- App StoreGoogle Play
- Elsewhere
- WikidataLinkedInXTrustpilot
Pros and cons
Pros
- A monthly fee of DOP 0 and a minimum deposit of DOP 0 on the savings account.
- Loans of up to DOP 1,000,000 over a term of 6 to 60, with money reaching the account in minutes.
- A debit card on the visa network, with multi currency, virtual card and travel included.
- Interest credited monthly and on demand access to the account through the app.
Cons
- A credit check of hard applies to the personal loans.
- The savings rate is variable, so the return can change over time.
- The account holds 2 currencies, so anyone holding several currencies will need a second provider.
Who it suits
- Adults in the Dominican Republic with a valid national ID, an iOS or Android phone and a monthly income above the published minimum.
- People who want a savings account, a Visa debit card and a personal loan handled in a single app.
- Borrowers who can clear a hard credit check and value fast funding.
Who should look elsewhere
- Anyone living outside the Dominican Republic: the bank serves a single market, while Wise charges a monthly fee of £0.
- Readers who want a euro account rather than a peso one: bunq charges a monthly fee of €0.
- People who prefer a secured credit card to a debit card: Varo Believe Secured Credit Card has a monthly fee of $0.
Rates and terms
The savings account pays DOP 1.80 to DOP 4.50 on balances, and the rate type is listed as variable, so the return can move over time rather than being locked. Interest is credited to the account every month. Personal borrowing from the same bank runs over terms of 6 to 60, which sets how long the repayments run.
How Qik Banco Digital compares
Where Qik Banco Digital is available
- Available
- Dominican Republic
- Licence in Dominican Republic
- Superintendencia de Bancos (H-047-1-00-0101), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does a Qik Banco Digital account cost to run?+
The model is no monthly fee and the monthly fee is DOP 0, so there is nothing to pay each month for everyday banking. The savings side carries a minimum deposit of DOP 0, so the account can be opened without putting money in first.
Who is behind Qik Banco Digital, and who licenses it?+
The bank trades as Qik Banco Digital Dominicano, S.A. Banco Múltiple and is licensed by the Superintendencia de Bancos under reference H-047-1-00-0101. It is a banking group rather than an app wrapper, so the account, card and loans sit with the bank itself.
How much does the savings account pay?+
The headline rate is DOP 1.80 to DOP 4.50 and the rate type is variable, so the return is not fixed for the life of the account. Interest is credited every month, and a monthly fee of DOP 0 means holding the balance costs nothing.
Who can borrow, and how much?+
You need to be an adult living in the Dominican Republic with a valid national ID, a phone and an open Qik account. Personal loans run of up to DOP 1,000,000 over a term of 6 to 60, with a credit check of hard. Early repayment is free.
What card comes with the account?+
The card is a debit card on the visa network, and the account features cover multi currency, virtual card and travel. Cash comes out at the Popular ATM network or through Codigo CASH, and the same app handles transfers and loan requests.
How do money and interest move through the account?+
Everything runs in the Qik app, and the account is described as easy access. Money moves through interbank transfers, ACH and Pagos al Instante (BCRD), and interest is credited monthly, so the balance can grow without a monthly action from you.
How do I reach customer support?+
Support runs on chat, email and phone, so the bank can be reached by chat, email or phone. The bank is Dominican and app based, so help is aimed at residents banking locally rather than at account holders elsewhere.
Sources
- qik.com.do checked September 26, 2026
Backs: Access terms, Account kind
- qik.com.do/AyudaQik/Cuenta-Qik/Sobre-la-Cuenta-de-Ahorros... checked September 26, 2026
Backs: Headline rate, Minimum deposit, Pricing model, Rate type
“no tiene cargos mensuales ni costos de apertura”
- qik.com.do/portada.html checked September 26, 2026
Backs: Lender type
- qik.com.do/prestamosqik.html checked September 26, 2026
Backs: Loan amount, Credit check, Eligibility, Free early repayment, Funding time, Loan types, Term
- qik.do checked September 26, 2026
Backs: Headquarters, Legal entity, Support channels, Licences
“Qik Banco Digital Dominicano”
- qik.do/cuentaqik checked September 26, 2026
Backs: Card type, Currencies, Features, Monthly fee, Card network
“Dominican Pesos (primary account) and US Dollars (separate account option)”
Compiled from 6 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Currency conversion fee, Free ATM withdrawals, Protection.
Qik Banco Digital
Dominican savers and borrowers who want the account, card and loan handled in one app.