How do I open a bank account or use mobile payments in Colombia?

Most day-to-day payments run through Nequi or Daviplata — free mobile wallets you can often open with a passport or cédula de extranjería and a local phone number, and almost everyone accepts them. A full bank account usually needs a cédula de extranjería (from your visa). Start with Nequi/Daviplata for everyday spending and add a bank account once your residency paperwork is sorted.