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Nu Colombia review

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

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Our verdict

Nu Colombia suits Colombian residents who want a plain Mastercard debit account with nothing to pay monthly and simple support. The monthly fee is COP 0 and the currency conversion fee is 0.45%, lighter than the 1% typical across the site.

Key facts

Best for
Colombian residents who want a Mastercard debit account with no monthly charge.
Monthly fee
COP 0↗
Currency conversion fee
0.45%↗
Card type
Debit↗
Card network
Mastercard↗
Legal entity
Nu Colombia Compania de Financiamiento S.A.↗
Support channels
Email, Phone↗
Official website
nu.com.co

Facts checked September 26, 2026, 2 sources

Apps and profiles

Elsewhere
WikidataLinkedIn

Pros and cons

Pros

  • The monthly fee is COP 0, so holding the account costs nothing
  • The currency conversion fee is 0.45%, below the 1% typical across the site
  • It is a debit card on the mastercard network, so spending draws on your own balance
  • Support is available by email and phone

Cons

  • Converted spending still carries a fee of 0.45%, which adds up on large purchases
  • Credit is not among its card types (debit), so spending uses only the balance you hold
Nu Colombia

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Scored 9.0 / 10 by HodlCue.

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Who it suits

  • Colombian residents paying bills and card spending from one balance
  • People who want a Mastercard debit account with no monthly charge
  • Customers who prefer to reach support by email or phone

Who should look elsewhere

  • Travellers who convert a lot of spending, since the conversion fee of 0.45% still applies
  • Anyone who wants a card that lends money rather than spends their own balance
  • Bitpanda or Wise readers who hold several currencies and want cheaper conversion than 0.45%

The company behind it

The account is provided by Nu Colombia Compania de Financiamiento S.A., the company named in the account terms. Customers reach the team through email and phone, so help comes by email or by phone rather than in-app chat alone, which is useful when a card payment is blocked and the account needs sorting quickly. Reading the entity name before you open the account tells you who you are contracting with.

How Nu Colombia compares

Where Nu Colombia is available

Available
Colombia

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

Frequently asked questions

What does Nu Colombia charge each month?+

The monthly fee is COP 0, so the account costs nothing to keep open from month to month. You are not charged for holding it, which makes it easy to run as a main everyday account.

What does it cost to convert currency on a card purchase?+

The currency conversion fee is 0.45% on converted spending. That sits below the 1% typical across the site, though it still adds up on large purchases made outside Colombia.

Is this a debit card or a credit card?+

It is a debit card on the mastercard network, so purchases draw on the money in your account. There is no credit line, which suits people who pay their balance in full but not those who borrow to spread costs.

How do I get help if something goes wrong?+

Support runs through email and phone. You can reach the team by email or by phone, which is useful if a card payment is blocked, a charge looks wrong, or you need the account frozen quickly.

Which company operates the account?+

The account is provided by Nu Colombia Compania de Financiamiento S.A., the entity named in the account terms. Checking the legal name is worthwhile before you start, because that company is the one holding your money.

Is the account available outside Colombia?+

The account is aimed at residents of Colombia, and its pricing is set in local currency with a monthly fee of COP 0. Readers in other markets are better served by an account priced in their own currency.

How does the cost compare with other free accounts?+

The monthly fee of COP 0 matches the free accounts from Wise at £0 and Bitpanda at €0. The difference sits in the conversion fee of 0.45%, which is the cost that moves with how you spend.

Sources

Compiled from 2 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Free ATM withdrawals, Protection.

Nu Colombia

Nu Colombia

Colombian residents who want a Mastercard debit account with no monthly charge.

9.0/10See alternatives