B89

B89 is a Lima fintech. Visa principal member. Not an SBS bank. Peruvian FSD does not follow a prepaid brand. The live site sells borderless payments, not a salary current account. Keep sol deposits at a member bank of the Fondo de Seguro de Depósitos.

Amparo Nalvarte’s firm started as a consumer card and moved toward B2B cross-border. That pivot is the 2026 file. A Visa BIN is not a banking licence. This desk will not upgrade it because an older directory used the word neobank.

B89 lists Fintech. Not an SBS bank under Visa principal member / SBS payments perimeter (confirm live) in Peru. On safeguarding we currently write: Not Peruvian FSD. FSD covers SBS banks, financieras and cajas — not a Visa principal prepaid. Treat B89 as payments.. Holder / issuer line: Visa issuing stack — not an SBS banco. An AML programme is claimed. There is no IBAN-class local rail on the flags we store. We list 1 live markets on the product. As we score the sticker: monthly Card / FX SKUs — confirm live; FX Cross-border is the product — spread exists; ATM Card-dependent. This desk would open it for: Peru users who need a Visa rail or a payout, and already keep salary at an SBS bank.

What it does well: First Peruvian Visa principal story; Named as payments, not a banco; Cross-border is explicit. What to watch: Not SBS bank; Not FSD; Pivoted toward B2B. Desk score 6.3 / 10 (safety 5.2, fees 6.8, features 7.2, app 7.0). Last verified 2026-08-28. Headquartered in Lima, Peru; founded 2018. None of this is advice — it is a file so you can read the entity before the card colour.