Comparison · Cameroon · 2026
Neero vs Paysika
Two neobanks in Cameroon. Same target, same market — but major differences in fees, bonuses, security and ecosystem. A transparent, fact-based comparison.
Launched 2024 · Douala 🇨🇲
Launched 2020 · Siège Social : Toulouse 🇫🇷⬡ Detailed pricing
What you actually pay
A line-by-line comparison of real fees. Watch out for the hidden fixed fees in Paysika.
Standard
0 XAF
per month
First virtual cardFree
Additional cards1,800 XAF
Transaction 0 → 16,000 XAF1.79% + 500 XAF
Transaction 16,001 → 1M XAF1.79% + 350 XAF
Transfer to OM/MoMo2.5% + 120 XAF
Unblock after 3 rejections500 XAF
Card deleted after6 rejections
Bonus per transaction0 XAF
EUR + USD accountsNo
Priority supportNo
Standard
0 XAF
per month
First virtual cardFree
Additional cards1,800 XAF
Transaction 0 → 6,500 XAF1.79% only ✦
Transaction 6,501 → 1M XAF1.79% + 350 XAF
Transfer to OM/MoMo2% only
Unblock after 3 rejections🎁 Free — we forgive
Card deleted afterNever ✦
Bonus per transaction0.1% on EVERYTHING
EUR + USD accountsPlus plan (2,699 XAF)
Priority supportFor all clients ✦
⬡ What you lose with Paysika
80% of users
overpay every month
overpay every month
The vast majority of Paysika users are on the Standard plan.
Here are real losses on common Cameroonian transactions — compared to Neero Standard (same price: 0 XAF/month).
Paysika Standard client · 10 tx/month
5,000 XAF
lost in partner fees each month
= 60,000 XAF/year wasted
= 60,000 XAF/year wasted
Save these 5,000 F with Neero 😍
Paysika Premium client · 10 tx/month
7,750 XAF
2,750 XAF subscription + 5,000 XAF partner fees
With Neero: you would have saved these 7,750 XAF 🎉
Neero bonus on these 10 transactions
+160 XAF
0.1% on ALL transactions
Paysika Standard: 0 XAF bonus
Paysika Standard: 0 XAF bonus
Transaction Paysika Neero Neero Edge
🎬 Netflix subscription — 6,000 XAF 607 XAF 107 XAF You save
500 F
500 F
🎵 Spotify subscription — 3,000 XAF 554 XAF 54 XAF You save
500 F
500 F
🎯 TikTok coins — 530 XAF 509 XAF 9 XAF You save
500 F
500 F
📣 Facebook Ads — 6,400 XAF 615 XAF 115 XAF You save
500 F
500 F
Total these 4 transactions * 2,285 XAF 285 XAF You save
2,000 F
2,000 F
💸 Paysika Standard client (10 tx/month) *
Total fees: 5,739 XAF vs 739 XAF with Neero.
→ 5,000 XAF lost per month = 60,000 XAF/year.
→ 5,000 XAF lost per month = 60,000 XAF/year.
💸 Paysika Premium client (10 tx/month) *
2,750 sub + 5,739 fees = 8,489 XAF vs 739 XAF Neero Standard.
→ 7,750 XAF saved per month = 93,000 XAF/year.
→ 7,750 XAF saved per month = 93,000 XAF/year.
* Simulation based on 10 average monthly transactions: 3× Netflix, 3× Spotify, 2× TikTok, 2× Facebook Ads. Results vary by actual usage.
* Amounts for illustration purposes — based on 10 typical monthly transactions: Netflix, Spotify, TikTok, Facebook Ads
⬡ Full comparison
Neero vs Paysika — feature by feature
| Feature | ✦ Neero Standard (free) | Paysika Standard (free) |
|---|---|---|
| Transaction fee < 6,500 XAF | ✓1.79% only Better | ✗1.79% + 500 XAF |
| Transaction fee 6,500–16,000 XAF | ✓1.79% + 350 XAF Better | ✗1.79% + 500 XAF |
| Transaction fee 16,000–1M XAF | 1.79% + 350 XAF | 1.79% + 350 XAF |
| Transfer to OM/MoMo | ✓2% Better | ✗2.5% + 120 XAF |
| Bonus per transaction | ✓0.1% on all transactions Better | ✗0 XAF bonus |
| Unblock after 3 rejections | ✓Free — Neero forgives 🎁 Better | ✗500 XAF fee |
| Card deletion | ✓Never Better | ✗After 6 rejections |
| Priority support | ✓For all clients Better | ✗Premium only |
| App Store / Play Store rating | ✓4.6/5 Better | 4.0/5 |
| Headquarters | ✓Douala 🇨🇲 — Africa-based Local | Toulouse 🇫🇷 |
| Official banking partner | ✓Ecobank Certified | Not specified |
| ENEO, Camwater, Canal+ payment | ✓Yes | ✓Yes |
| Mobile Money transfers | ✓Orange, MTN, Wave | ✓Orange, MTN, Wave |
| EUR + USD accounts (IBAN) | Plus plan — 2,699 XAF/month | ✗Not available |
| Savings (Vault) | ✓Coming soon | ✗Not available |
| Collaborative tontine | ✓Coming soon | ✗Not available |
| Subscription marketplace (Yara) | ✓Netflix, Spotify at −70% | ✗Not available |
| Payment links | ✓Multi-method | ✗Not available |
| Nigeria bank transfer | ✓Available | ✗Not available |
⬡ Who's behind the app?
The founding teams
Founded 2024 · Douala, Cameroon 🇨🇲👤
Steve Nkam
CEO & Co-founder — tech entrepreneur, African fintech visionary
👤
Guy Watat
CTO & Co-founder — software engineer, payment systems expert
🇨🇲 Douala-based — official Ecobank Cameroon partner. Rating: 4.6/5.
Founded 2020 · Siège Social : Toulouse, France 🇫🇷👤
Roger Nengwe Ntafam
CEO & Co-founder — AI & robotics engineer, French Tech
👤
Stezen Bisselou-Nzengue
Co-founder — business development and partnerships
🇫🇷 Siège Social : Toulouse — Ecobank Fintech Challenge 2024 finalist. Rating: 4.0/5. 50,000+ downloads.
Switch to Neero —
the Standard that beats Premium.
the Standard that beats Premium.
Free account in 3 minutes. Instant Visa card. Bonus on every transaction. Zero fixed fees on small purchases. Zero rejection penalties.
⬡ They chose Neero
Former Paysika users
speaking honestly
They made the switch. Here's what they think.
⭐⭐⭐⭐⭐
"I used Paysika for 2 years. I was paying 500 XAF in fees on every small purchase without noticing. With Neero, my Netflix fees went from 607 XAF to 107 XAF. In one month I already saved over 4,000 XAF — just on everyday transactions."
⭐⭐⭐⭐⭐
"What convinced me was the card unblocking. At Paysika I paid 500 XAF twice to unblock my card after rejections. Neero told me 'we forgive' — and it's free. On top of that support replies in minutes, even for free plan customers."
⭐⭐⭐⭐⭐
"I had Paysika Premium at 2,750 XAF/month. I switched to Neero Standard — free. I run my Facebook Ads, Netflix, Spotify exactly the same but cheaper. Plus I accumulate bonuses on every transaction. I wonder why I waited so long."
⭐⭐⭐⭐⭐
"I make a lot of small purchases — TikTok coins, apps. With Paysika I was paying 500 XAF in fixed fees even on a 500 XAF purchase — that's 100% in fees! Now with Neero I pay just 1.79%. The difference adds up massively over time."
⭐⭐⭐⭐⭐
"What Paysika doesn't have and Neero does: the tontine, the vault to save, payment links for my clients, and Yara for Netflix at a discount. It's a real super-app, not just a card. I should have switched much sooner."
⭐⭐⭐⭐⭐
"The bonus on every transaction is that small thing that makes a difference. Paysika Standard: 0 XAF bonus. Neero: 0.1% on everything — top-ups, purchases, bills. Over a year it adds up. And the app is genuinely faster and more beautiful."
