Peru
activeWallet / e-moneyVirtual card
- HQ
- Lima
- Fee
- Card / FX SKUs — confirm live
Ligo
Peruvian EEDE. Tarjetas Peruanas Prepago S.A. SBS. Not FSD. Not a banco.
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6.0Mixed
AlternativesFive questions
At a glance
Is it a bank?
Yes — EEDE — Tarjetas Peruanas Prepago S.A. (electronic-money issuer). Not an SBS bank (SBS). Still read the entity on the statement.
If it fails?
Not Peruvian FSD. FSD covers SBS banks, financieras and cajas. Ligo is e-money at an EEDE. Prepaid recovery is a different story.
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
Prepaid SKU — confirm live
Account number
No IBAN-class local rail on this file.
NeoBankDB Verdict
Licence first · score second
6.0
/10 · Mixed
Ligo is Tarjetas Peruanas Prepago S.A., an SBS empresa emisora de dinero electrónico. Visa and Mastercard prepaid. Not FSD. B89 is a Visa principal fintech. Kontigo Peru is Gmoney. Three Peruvian prepaid objects. Keep sol deposits at a caja or bank. Use Ligo as e-money if the CCI and card win.
What it is
Lima EEDE, SBS-supervised. Play listing names Tarjetas Peruanas Prepago as the developer. Directories dump it next to Interbank. The EEDE word is the review. FSD is for banks and cajas. Prepaid recovery is a different file. Plin interoperability does not move the scheme.
Best for: Peru residents who want a named EEDE prepaid and already keep soles at an FSD member.
Last checked 2026-08-30. Not advice.
What it does well
- +Named SBS EEDE
- +Largest EEDE by billing on 2025 SBS figures
- +Plin / CCI rails
- +Not pretending to be BCP
What to watch
- −Not FSD
- −Not a bank
- −Prepaid is not a caja deposit
- −Directories 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
- Settlement
- App-ledger instant; bank rails per corridor
- Freeze risk
- Bank-grade; still not freeze-proof
- Card
- Ligo lists a physical card and a virtual card on visa, plus 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. Ligo is e-money at an EEDE. Prepaid recovery is a different story.
Who holds the money: Tarjetas Peruanas Prepago S.A.
- SBSEEDE — Tarjetas Peruanas Prepago S.A. (electronic-money issuer). Not an SBS bank · Peru
Fees
- Monthly
- Prepaid SKU — confirm live
- FX markup
- Card FX if any
- ATM
- Prepaid schedule
Features
- –IBAN
- –Fee-free core
- –Multi-currency
- –Apple Pay
- ✓Google Pay
- ✓Virtual card
- ✓Physical card
- –Metal card
- –Crypto
- –Stocks
- –Business
- –Kids
- –Halal
- Peruvian e-money account
- Visa / Mastercard prepaid
- CCI / Plin interoperability
- SBS EEDE
- Not FSD
Score
- Safety25%
- 5.2
- Fees20%
- 7.4
- Features15%
- 7.0
- App15%
- 7.0
- Global15%
- 3.6
- Support10%
- 6.0
Change log
Full logLicence
Tarjetas Peruanas Prepago S.A. — SBS EEDE
Not FSD. Largest EEDE by 2025 billing copy. Prepaid.
Available in
Straight answers
FAQ
01Is Ligo a bank?
Ligo holds a banking-style licence (SBS). Still read the legal entity on the statement, not the app icon.
02How is money protected?
Not Peruvian FSD. FSD covers SBS banks, financieras and cajas. Ligo is e-money at an EEDE. Prepaid recovery is a different story.
03Where is Ligo available?
We list 1 market on NeoBankDB. Residency and onboarding rules still sit with Ligo.
04Card and wallets?
Ligo lists a physical card and a virtual card on visa, plus Google Pay. Confirm the live product in the app — a card is not a current account.
05Can I open Ligo 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.
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