🇨🇴 This is the brand hub for Davivienda. For the bigger picture on pesos, the low ATM caps, the casas de cambio, and the fact that Colombia has no Bank of America Alliance partner, see the Colombia Money Guide. For exact ATM areas and the fee-beating playbook, see the Bogotá ATM Guide. For card acceptance by district and the airport run, see the Bogotá Money Guide. For Colombia's largest network, see the Bancolombia guide. Flying in? El Dorado (BOG) guide.
🧾 Order Pesos Before You Fly
A peso float means your first machine can be a careful one. Insured 2–5 day US delivery, rate below the airport counters.
Order Pesos → CEI Currency ExchangeWhat Davivienda is, in one paragraph
Davivienda is one of the largest banks in Colombia, part of the Grupo Bolívar and founded in 1972, instantly recognisable by its red little-house logo (the "casita roja") on branches and cajeros across the country. It has a strong network in Bogotá, Medellín, Cartagena, Cali, and Barranquilla, and runs the hugely popular DaviPlata mobile wallet used by millions of Colombians. For US travelers the practical points are specific: Davivienda machines dispense pesos at the interbank rate, add a posted COP 19,000 to 28,000 foreign-card operator fee shown before you confirm, and crucially tend to allow a higher per-transaction withdrawal cap than Bancolombia, which makes them the bank to look for when you want a larger single pull.
What Davivienda charges foreign cards
| Fee component | Amount | Paid to |
|---|---|---|
| Davivienda operator fee (foreign card) | ~COP 19,000-28,000 per withdrawal | Davivienda, shown on screen (refunded by Schwab) |
| Exchange rate | Mid-market (interbank) | Visa or Mastercard network |
| Per-transaction cap | Often higher than Bancolombia (try the max) | Davivienda (fewer trips, lower cost per peso) |
| Your home bank's foreign ATM fee | $2-5 | Your home bank, unless waived (Schwab, Wise) |
| Bank of America non-network fee (no Alliance) | 3% (Colombia has no Alliance partner) | Bank of America, on every Colombian ATM |
| DCC markup (if accepted) | +5-12% | Always decline. Pick Colombian pesos every time the screen offers US dollars. |
Davivienda posts its operator fee on screen before you confirm. The peso is freely convertible, so you can pre-order a float. Unlike Peru, Colombia has no BoA Alliance partner, so a BoA card pays 3% here and at every other Colombian bank; a no-FX-fee card is the fix.
The Davivienda advantage: a higher cap means a cheaper pull
The single most useful thing about Davivienda for a traveler is its withdrawal cap. Colombian ATMs limit each foreign-card withdrawal low, often around COP 400,000 to 600,000, and because the COP 19,000 to 28,000 operator fee is charged per transaction, the cap is what really drives your cost. Davivienda machines (along with BBVA) commonly allow more per pull than Bancolombia, so when you want a larger amount, the red casita is the machine to find. The exact limit varies by machine, so it is worth trying the maximum and stepping the amount down if the machine declines.
Two moves then keep it cheap. Carry a Charles Schwab card, which refunds ATM operator fees worldwide, the Davivienda fee included, turning a withdrawal effectively free. And always decline DCC, choosing pesos rather than the "charge in US dollars" offer, which adds 5 to 12 percent on top. Colombia, unlike Peru, has no Bank of America Alliance partner, so a BoA card pays 3 percent at Davivienda and everywhere else; bring a Wise or Schwab card for cash instead.
Where to find Davivienda in Colombia
Chapinero & the Zona T
Davivienda ATMs throughout Chapinero, the Zona T, Usaquén and Parque 93, plus the Andino and Unicentro malls. Covered in the Bogotá ATM Guide.
The bank for a bigger pull
When you want a larger single withdrawal to spread the fixed fee, look for the red casita: Davivienda machines often allow more than Bancolombia.
El Poblado & Laureles
Davivienda branches around El Poblado, Laureles, and the El Tesoro and Oviedo malls; good city coverage alongside Bancolombia.
El Dorado arrivals
Davivienda cajeros in El Dorado's Terminal 1, a solid first-pesos option on arrival, away from the standalone machines. See the BOG airport guide.
Branch & mall machines
Use Davivienda ATMs inside branches, Éxito hypermarkets, or malls rather than street-facing standalones, especially in La Candelaria and the center.
Walled city & Bocagrande
Davivienda branches in and near Cartagena's walled city and Bocagrande; use the indoor machines and decline the street touts offering to change dollars.
Davivienda vs Bancolombia: the actual decision
| Davivienda | Bancolombia | |
|---|---|---|
| Foreign-card operator fee | ~COP 19,000-28,000 (posted) | ~COP 20,000-30,000 (posted) |
| Per-transaction cap | Often higher | Lower (often ~COP 400-600k) |
| Network size in Colombia | Major, strong in cities | Largest |
| BoA Global ATM Alliance partner | No (none in Colombia) | No (none in Colombia) |
| Best for | A bigger single withdrawal | Widest coverage, reliability |
Decision tree: if you want to take more in a single pull to spread the fixed operator fee, use Davivienda for its higher cap. If you want the largest, most reliable network and you are pulling cash often, default to Bancolombia. Neither is a BoA Alliance partner, so either way pair them with a Schwab card to refund the operator fee, take pesos not dollars, and decline DCC.
Best card pairing with Davivienda
Wise for cards, Schwab to refund the peso fee
A Wise debit card gives zero FX markup and the real interbank peso rate at restaurants and on the Uber, Cabify and DiDi apps in Bogotá and Medellín. A Charles Schwab card refunds Davivienda's COP 19,000 to 28,000 operator fee worldwide, and Davivienda's higher cap means you can pull a useful amount in one go. Because Colombia has no Bank of America Alliance partner, do not rely on a BoA debit card here. Withdraw the maximum at a Davivienda machine in a branch or mall, take pesos not dollars, and decline DCC every time.
Get the Wise Card →Charles Schwab Investor Checking
Schwab adds zero foreign-transaction fee and refunds ATM operator fees worldwide, including Davivienda's COP 19,000 to 28,000. Pair it with a maximum withdrawal at a Davivienda mall machine and your Colombian cash becomes effectively free. Still take pesos not dollars and decline DCC.
Bank of America debit (no Alliance here)
Unlike Peru, Colombia has no BoA Alliance partner, so a BoA card pays its 3 percent non-network fee at Davivienda and at every other Colombian bank. There is no fee-free machine to switch to; bring a Wise or Schwab card for cash instead.
Frequently Asked Questions
How much does Davivienda charge foreign cards at ATMs?
A posted ~COP 19,000-28,000 per withdrawal, at the interbank rate, shown before you confirm. Its cap is often higher than Bancolombia's, so take the maximum, and a Schwab card refunds the fee. Decline DCC.
Does Davivienda allow higher withdrawals than Bancolombia?
Often, yes. Colombian caps are low, but Davivienda (and BBVA) commonly allow more per pull than Bancolombia, which spreads the fixed fee. Try the maximum and step down if it declines.
Is Davivienda in the Bank of America Global ATM Alliance?
No, and neither is any Colombian bank. A BoA card pays 3% here and everywhere in Colombia. Use a no-FX-fee card such as Wise or Schwab instead.
What is Davivienda?
A major Colombian bank in the Grupo Bolívar, known for its red casita logo and the DaviPlata wallet, with strong coverage in the main cities.
Will my US debit card work at Davivienda ATMs?
Yes, with a Visa, Mastercard, Plus, or Cirrus logo. Spanish/English option, 4-digit PINs. Use branch/mall machines, decline DCC, take pesos, withdraw the maximum.
Davivienda or Bancolombia?
Davivienda for a bigger single withdrawal thanks to its higher cap. Bancolombia for the larger, more reliable network. Either way, take the maximum and pair with Schwab.
Davivienda + Wise + Schwab
Higher cap for a bigger pull; Wise zero FX markup for restaurants and ride apps; Schwab refunds the COP 19-28k ATM fee. Take pesos not dollars.
Get the Wise Card →