Peru
activeFeaturedNeobankBusiness banking
- HQ
- London
- Fee
- Free personal
B89
Peruvian Visa principal. Not an SBS bank. Prepaid and cross-border, not FSD.
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6.3Mixed
AlternativesFive questions
At a glance
Is it a bank?
No. B89 is not a bank. Your money sits with Visa issuing stack — not an SBS banco.
If it fails?
Not Peruvian FSD. FSD covers SBS banks, financieras and cajas — not a Visa principal prepaid. Treat B89 as payments.
Salary?
Not listed. An IBAN or sort code is not automatically a salary account.
Open from abroad?
Residency and KYC are gated. An App Store listing is not proof you can onboard.
Monthly fee
Card / FX SKUs — confirm live
Account number
No IBAN-class local rail on this file.
NeoBankDB Verdict
Licence first · score second
6.3
/10 · Mixed
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.
What it is
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.
Best for: Peru users who need a Visa rail or a payout, and already keep salary at an SBS bank.
Last checked 2026-08-28. Not advice.
What it does well
- +First Peruvian Visa principal story
- +Named as payments, not a banco
- +Cross-border is explicit
- +Cards
What to watch
- −Not SBS bank
- −Not FSD
- −Pivoted toward B2B
- −Directories still say neobank
Who holds the money
The account
How money actually moves
- Who holds the cash
- E-money / stored-value — not a bank deposit
- How money moves
- In-app ledger
- Built for
- Personal · Business · Travel
- Settlement
- Card auth in seconds
- Freeze risk
- Bank-grade; still not freeze-proof
- Card
- B89 lists a physical card and a virtual card on visa, plus Apple Pay and Google Pay. Confirm the live product in the app — a card is not a current account.
Licence first
Safety
Not Peruvian FSD. FSD covers SBS banks, financieras and cajas — not a Visa principal prepaid. Treat B89 as payments.
Who holds the money: Visa issuing stack — not an SBS banco
- Visa principal member / SBS payments perimeter (confirm live)Fintech. Not an SBS bank · Peru
Fees
- Monthly
- Card / FX SKUs — confirm live
- FX markup
- Cross-border is the product — spread exists
- ATM
- Card-dependent
Features
- –IBAN
- –Fee-free core
- –Multi-currency
- ✓Apple Pay
- ✓Google Pay
- ✓Virtual card
- ✓Physical card
- –Metal card
- –Crypto
- –Stocks
- ✓Business
- –Kids
- –Halal
- Visa prepaid / credit rails
- Cross-border payouts
- B2B payments pitch
- App
- Not a current account
Score
- Safety25%
- 5.2
- Fees20%
- 6.8
- Features15%
- 7.2
- App15%
- 7.0
- Global15%
- 6.4
- Support10%
- 5.8
Change log
Full logLicence
Visa principal, not an SBS bank
Lima fintech. FSD does not follow prepaid. Live site is cross-border payments.
Available in
Straight answers
FAQ
01Is B89 a bank?
B89 is not a licensed deposit-taker in the classic sense. Money, if any, sits with Visa issuing stack — not an SBS banco.
02How is money protected?
Not Peruvian FSD. FSD covers SBS banks, financieras and cajas — not a Visa principal prepaid. Treat B89 as payments.
03Where is B89 available?
We list 1 market on NeoBankDB. Residency and onboarding rules still sit with B89.
04Card and wallets?
B89 lists a physical card and a virtual card on visa, plus Apple Pay and Google Pay. Confirm the live product in the app — a card is not a current account.
05Can I open B89 remotely?
Residency and KYC are gated. An App Store listing is not proof you can onboard from your country.
Ratings and reviews
No published user reviews yet. The NeoBankDB score still comes from licence, fees, and the product — not from an empty star average.
Alternatives
activeFeaturedNeobankCrypto card
- HQ
- London
- Fee
- Free
activeCrypto cardWallet / e-money
- HQ
- Lille
- Fee
- Standard free. Premium €10/month.