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Comparison · Cameroon · 2026

Neero vs Orange
Max it

Max it is convenient if you're already an Orange customer. But that's where it stops. Neero is a complete neobank: free Visa card, international transfers, multi-currency, cashback, referral. Orange Money has existed for 20 years. Neero already does what Orange Cameroon failed to build in two decades.

✦ Neero — Neobank 2026
🟠 Orange Max it — Operator app
Neero rating
⭐ 4,6 / 5
Max it rating
⭐ 4,0 / 5
SIM required
None (Neero) vs Orange SIM
USD fees
1.79% vs 4.5% at Max it

Orange Money existe depuis 20 ans.
Neero fait déjà plus.

4,6
Neero rating
App Store + Play Store
4,0
Max it rating
Play Store
3 min
Account opening Neero
100% en ligne
4,5%
USD fees chez Max it
vs 1,79% chez Neero
User verdict
20 years ahead. Already surpassed.
Orange Money has been in Cameroon for over 10 years, and Max it, its digital app, for years. Yet Neero — 3 years old — already offers what Orange failed to build: free Visa card, international transfers, multi-currency, permanent cashback, subscription manager. Plus, Neero rates 4.6/5 against 4.0/5 for Max it.
✓ Users have decided

Max it vous enferme
dans l'écosystème Orange.

No Orange SIM? Max it is useless to you. Switch operator? You lose access.

✦ Neero — All operators

Ouvrez votre compte en 3 minutes. Nonee SIM required. Client Orange, MTN ou Camtel — Neero fonctionne pour vous.

Orange Money ✓ MTN MoMo ✓ PayPal ✓ Wire transfer ✓ Camtel ✓
🟠 Max it — Orange only

Tied to your Orange SIM. Switch operator? Your account stops working.

Orange Money ✓ MTN MoMo ✗ PayPal ✗ Camtel ✗ Yoomee ✗
✓ Switch operators tomorrow? Your Neero account keeps working.

Recharger depuis MTN MoMo :
26% de frais chez Orange.

Top up 1,000 XAF on your Orange Money from MTN MoMo without going anywhere? You pay 264 XAF in fees — that's over 26% of the amount. This is not a mistake.

🟠 Max it — Top-up MTN → Orange
264 F
de frais pour recharger 1 000 F.CFA depuis MTN MoMo
= 26% du montant rechargé
✦ Neero — OM or MTN top-up
0 F
Rechargez depuis Orange Money ou MTN Mobile Money
Depuis votre téléphone, sans déplacement
✓ Your money arrives in your account. Directly from your phone.

2 500 F.CFA d'abord.
Ou gratuite tout de suite.

🟠 Orange Max it — OM Mastercard
Issuance: 2,500 XAF
Card top-up: 0.5%
EUR payments: 1.5%
USD payments: 4.5%
No card sharing
No subscription manager
✦ Neero — Virtual Visa
  • Free — 0 XAF issuance
  • Card top-up: 0.5% (identique)
  • Paiements EUR et USD : 1,79% unifié
    vs 1,5% EUR et 4,5% USD chez Max it
  • Card sharing with a family member (User / Contributor)
  • Built-in subscription manager — pause, block in 1 tap
🟠 Max it — USD payment
4,5%
Amazon, services US, abonnements en dollars
Plus du double de Neero
✦ Neero — All currencies
1,79%
EUR, USD, XAF — même taux, quelle que soit la devise
Nonee surprise
✓ For someone paying regularly in dollars: 4.5% vs 1.79%, that's more than double.

XAF only.
Ou XAF + EUR + USD + épargne ?

🟠 Orange Max it
XAF only
No EUR account
No USD account
No dedicated savings account
No international transfers
✦ Neero
Main account XAF
Savings account
EUR account
USD account
International transfers to Europe + USA
✓ All in one app. No SIM change needed.

Un mur chez Orange.
Une porte ouverte chez Neero.

🟠 Orange Max it
International transfers: not possible
Neither to Europe, nor to the USA

You must use third-party services — with the fees and complexity that implies.

Your family in France is waiting. Max it can't help them.
✦ Neero
Transfers to Europe and the USA
Send and receive in both directions
Multi-currency accounts XAF, EUR, USD
From the app, in minutes

For the diaspora, entrepreneurs, and Cameroonian freelancers.
✓ Neero opens doors that Orange Money has kept closed for 20 years.

Le gestionnaire d'abonnements
qu'Orange n'a jamais construit.

🟠 Orange Max it
No control over recurring payments. No overview, no management tools.

No visibility on active subscriptions
Impossible to block a debit
Impossible to pause a service

Orange Money, after 10 years, still doesn't have it.
✦ Neero
Built-in Visa subscription manager:

View all your active recurring payments
Block a subscription in 1 tap
Pause, reactivate at any time
Block a suspicious merchant instantly

No more surprise charges.
✓ What European neobanks took years to democratize. Neero brings it to Cameroon.

Vous payez.
Neero vous récompense.

🟠 Orange Max it
ENEO, Camwater, Canal+ available
Fees from 100 XAF
No cashback
No permanent referral program
No loyalty points

You pay. That's it.
✦ Neero
ENEO, Camwater, Canal+ — free
Cashback on eligible payments and transactions
Neero Points on every eligible transaction
Permanent referral: 500 XAF for you + 500 XAF for your friend

Every use of Neero earns you something.
✓ Neero turns every payment into an earning opportunity. Max it rewards nothing.

Neero vs Orange Max it — criterion by criterion

Comparison table Neero vs Orange Money Max it
Criterion ✦ Neero 🟠 Orange Max it
SIM requiredNone BetterOrange SIM required
Account opening3 min, 100% online BetterTied to your Orange SIM
Virtual cardVisa, free BetterMastercard, 2,500 XAF
EUR fees1.79% Better1,5%
USD fees1.79% Better4,5%
OM→OM account top-upGratuit, à distanceFree at kiosk, 264 XAF/1,000 XAF remote
Top-up from MTN MoMoAvailable, no prohibitive fees Better26% fees (~264 XAF/1,000 XAF)
Available currenciesXAF, EUR, USD BetterXAF only
International transfersEurope + USA BetterNot available
Bill paymentsFree + cashbackFees from 100 XAF
CashbackOn eligible transactions BetterNone
Permanent referral500 XAF × 2 BetterNone programme permanent
Loyalty pointsOn every action BetterNone
Card sharingYes (User / Contributor)Not available
Subscription managerPause, block in 1 tapNot available
Savings accountBuilt-inNot available
App rating4,6/5 Mieux4,0/5

Users have decided.

✦ Neero
4,6/5
⭐⭐⭐⭐⭐
+4,000 reviews · App Store & Google Play
🟠 Orange Max it
4,0/5
⭐⭐⭐⭐
Play Store
⭐⭐⭐⭐⭐

"Topping up from MTN MoMo to Orange Money cost me 264 XAF for 1,000 XAF. With Neero, I top up without overpaying. The difference is immediate."

AB
Aurore B.
Douala, Cameroon
⭐⭐⭐⭐⭐

"I pay my Adobe subscriptions in dollars. At Max it it was 4.5%. At Neero it's 1.79%. On $50 per month, the difference is thousands of XAF per year."

JM
Joel M.
Yaoundé, Cameroon
⭐⭐⭐⭐⭐

"My Neero Visa card is free. At Orange Max it I'd have had to pay 2,500 XAF. And on top of that I get cashback on every payment."

PN
Patricia N.
Bafoussam, Cameroon
⭐⭐⭐⭐⭐

"I send money to my sister in Belgium directly from Neero. Max it forced me to go through Western Union with high fees."

RS
René S.
Limbé, Cameroon
⭐⭐⭐⭐⭐

"I had Netflix and Spotify charging me. Neero let me see all my subscriptions and block the one I'd forgotten. Max it has nothing like it."

CE
Cédric E.
Garoua, Cameroon
⭐⭐⭐⭐⭐

"I changed my SIM. My Neero account kept working normally. If I'd relied only on Max it, I would have lost everything at once."

ML
Marie-Claire L.
Kribi, Cameroon

Gardez votre SIM Orange.
Gagnez une néobanque complète.

Max it is useful for Orange customers. But it hasn't evolved where needs have evolved. Neero was built to fill exactly these gaps.

🟠 Stick with Max it if…
You only need to manage your Orange Money
You never pay in foreign currencies
You don't need international transfers
✦ Add Neero if…
You want a free Visa card, immediately
You regularly pay in EUR or USD
You send or receive internationally
You want to control your subscriptions
→ Keep your Orange SIM. Neero tops up from Orange Money.

Ouvrez votre compte
en 3 minutes chrono

Pas de SIM required. Carte Visa gratuite. USD fees à 1,79%. Rechargeable depuis Orange Money.