Máximo

Peruvian prepaid. Not FSD. Not an SBS bank. ‘Forget the banks’ is the slogan, not a scheme.

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5.8Caution
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Our take

Desk verdict

Máximo is a Lima prepaid aimed at millennials, Gen Z and teens. The homepage says forget the banks. FSD does not follow a slogan. Ligo is the named EEDE on this desk. B89 is the Visa principal. Ahorro Max, in 2024, sat with Alfintech / Alfin Banco — confirm whether that savings SKU is still live and whether FSD attaches. Keep a caja or bank for salary.

maximo.pe. WhatsApp issuing in minutes. Directories file it next to Interbank. The plastic is prepaid. Read the issuer.

Máximo lists Fintech prepaid. Not an SBS banco. Ahorro Max sat with Alfintech / Alfin Banco in 2024 copy under SBS payments perimeter (confirm live class) in Peru. On safeguarding we currently write: Not Peruvian FSD on the prepaid brand. Any savings SKU (Ahorro Max) follows the named partner institution if it is an FSD member — confirm live. The card is prepaid.. Holder / issuer line: Prepaid issuer stack / Alfin Banco on the 2024 savings SKU — Máximo is not a bank. 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 Prepaid SKU — confirm live; FX Not a travel bank; ATM Prepaid schedule. This desk would open it for: Young Peruvians who want a prepaid and already keep soles at a caja.

What it does well: Honest ‘forget the banks’ slogan; Named Alfintech savings partner in 2024; Teens SKU is labelled. What to watch: Not FSD on the prepaid; Licence page is thinner than Ligo’s EEDE; Youth marketing. Desk score 5.8 / 10 (safety 4.4, fees 7.6, features 6.8, app 7.2). Last verified 2026-08-30. Headquartered in Lima, Peru; founded 2019. None of this is advice — it is a file so you can read the entity before the card colour.

Best for: Young Peruvians who want a prepaid and already keep soles at a caja.

Pros

  • +Honest ‘forget the banks’ slogan
  • +Named Alfintech savings partner in 2024
  • +Teens SKU is labelled
  • +Separate from Ligo’s EEDE

Cons

  • Not FSD on the prepaid
  • Licence page is thinner than Ligo’s EEDE
  • Youth marketing
  • Directories say neobank

Account facts

Partner bank
Alfin Banco (Ahorro Max, 2024 partnership — confirm live)

How it actually works

Custody
E-money / stored-value — not a bank deposit
Local rails
In-app ledger
Built for
Personal · Kids / teens
Settlement
App-ledger instant; bank rails per corridor
Review risk
Fintech reviews can pause inbound while they check a transfer
Pay surface
mastercard · physical · virtual · Google Pay

Safety

Not Peruvian FSD on the prepaid brand. Any savings SKU (Ahorro Max) follows the named partner institution if it is an FSD member — confirm live. The card is prepaid.

Holder / issuer: Prepaid issuer stack / Alfin Banco on the 2024 savings SKU — Máximo is not a bank

  • SBS payments perimeter (confirm live class)Fintech prepaid. Not an SBS banco. Ahorro Max sat with Alfintech / Alfin Banco in 2024 copy · Peru

Fees

Monthly
Prepaid SKU — confirm live
FX markup
Not a travel bank
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 prepaid Mastercard
  • WhatsApp issuing
  • Teens SKU
  • Ahorro Max partner savings
  • Not FSD on the brand

Score

Safety25%
4.4
Fees20%
7.6
Features15%
6.8
App15%
7.2
Global15%
3.2
Support10%
6.4

Change log

Full log
  1. Licence

    Peruvian prepaid — not FSD, not an SBS bank

    Ahorro Max sat with Alfintech / Alfin Banco in 2024. Confirm live. Youth SKU.

Available in

FAQ

01

Is Máximo a bank?

Máximo is not a licensed deposit-taker in the classic sense. Money, if any, sits with Prepaid issuer stack / Alfin Banco on the 2024 savings SKU — Máximo is not a bank.

02

How is money protected?

Not Peruvian FSD on the prepaid brand. Any savings SKU (Ahorro Max) follows the named partner institution if it is an FSD member — confirm live. The card is prepaid.

03

Where is Máximo available?

We list 1 market desk on the desk. Residency and onboarding rules still sit with Máximo.

04

Card and wallets?

mastercard · physical · virtual · Google Pay

Ratings and reviews

No published user reviews yet. The desk score still comes from licence, fees, and the product — not from a empty star average.

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Stars plus a short note. We publish after a desk read. “Verified user” is our tick, not yours.

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