Peru
activeWallet / e-money
- HQ
- Lima
- Fee
- Prepaid SKU — confirm live
Máximo
Peruvian prepaid. Not FSD. Not an SBS bank. ‘Forget the banks’ is the slogan, not a scheme.
Tap a star to jump to reviews
5.8Caution
AlternativesFive questions
At a glance
Is it a bank?
No. Máximo is not a bank. Your money sits with Prepaid issuer stack / Alfin Banco on the 2024 savings SKU — Máximo is not a bank.
If it fails?
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.
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
5.8
/10 · Caution
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.
What it is
maximo.pe. WhatsApp issuing in minutes. Directories file it next to Interbank. The plastic is prepaid. Read the issuer.
Best for: Young Peruvians who want a prepaid and already keep soles at a caja.
Last checked 2026-08-30. Not advice.
What it does well
- +Honest ‘forget the banks’ slogan
- +Named Alfintech savings partner in 2024
- +Teens SKU is labelled
- +Separate from Ligo’s EEDE
What to watch
- −Not FSD on the prepaid
- −Licence page is thinner than Ligo’s EEDE
- −Youth marketing
- −Directories say neobank
Who holds the money
The account
- Partner bank
- Alfin Banco (Ahorro Max, 2024 partnership — confirm live)
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 · Kids / teens
- Settlement
- App-ledger instant; bank rails per corridor
- Freeze risk
- Fintech reviews can pause inbound while they check a transfer
- Card
- Máximo lists a physical card and a virtual card on mastercard, plus Google Pay. Confirm the live product in the app — a card is not a current account.
Licence first
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.
Who holds the money: 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 logLicence
Peruvian prepaid — not FSD, not an SBS bank
Ahorro Max sat with Alfintech / Alfin Banco in 2024. Confirm live. Youth SKU.
Available in
Straight answers
FAQ
01Is 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.
02How 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.
03Where is Máximo available?
We list 1 market on NeoBankDB. Residency and onboarding rules still sit with Máximo.
04Card and wallets?
Máximo lists a physical card and a virtual card on mastercard, plus Google Pay. Confirm the live product in the app — a card is not a current account.
05Can I open Máximo 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
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