Ligo review
Updated October 12, 2026 · SumCue Editorial Team
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Our verdict
Ligo trades branch access for an app wallet built around a virtual card and an interbank account. It suits people in Peru who want to collect, send and spend in soles and dollars without tying themselves to a traditional bank.
Key facts
- Best for
- People in Peru managing money in two currencies
- Card type
- Prepaid↗
- Currencies
- 2↗
- Features
- Multi-currency, Virtual card, Travel
- Official website
- ligo.pe
Facts checked September 26, 2026, 2 sources
Apps and profiles
- Get the app
- App Store
Pros and cons
Pros
- Issues a virtual card linked to an interbank account with a CCI
- Supports balances and transfers in soles and dollars for daily use
- Collects payments through payment links, numbers and QR codes
- Connects to domestic wallets, accounts and cash institutions for receiving
Cons
- Operates only around domestic documents, currencies and transfer networks
- Starts users on virtual access, with a physical card available on request
Who it suits
- Freelancers collecting payments from clients and friends
- People receiving money from domestic wallets and accounts
Who should look elsewhere
- People seeking branch based banking outside an app
How Ligo compares
Where Ligo is available
- Available
- Peru
- Licence in Peru
- SBS - Superintendencia de Banca, Seguros y AFP, checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What is Ligo?+
Ligo is a digital wallet with an interbank account and a virtual card for collecting, paying and transferring. It connects to domestic wallets, bank accounts and cash institutions through a CCI, a number or a QR code. It also supports payment links for collecting from clients and friends.
Who can open a Ligo account?+
Ligo serves people who hold a national identity document or a foreign resident card and can complete selfie verification. It focuses on users who want to manage money without joining a traditional bank. Registration creates a digital account that can send, collect and pay.
Which currencies does Ligo support?+
Ligo works with balances in soles and dollars, so you can keep and move money in either currency. Incoming transfers from other wallets and accounts can arrive in the currency you choose. The structure supports everyday spending alongside transfers between the two currencies.
Where can money be sent and received?+
Ligo moves money between wallets, bank accounts and cash institutions across the country. Transfers use the interbank account identifier, a mobile number or a QR code. Cash can also be withdrawn from cash machines and transferred onward to banks.
Does Ligo offer a physical card?+
Ligo centres on a virtual card for paying and collecting, which suits mobile use. A physical card can also be requested for in person spending. Both forms link back to the same digital balance in the app.
Sources
- ligo.pe checked September 26, 2026
Backs: Currencies, Features
“Crea tarjetas virtuales recargables - main retail card”
- ligo.pe/crear-tarjeta-virtual checked September 26, 2026
Backs: Card type
- ligo.pe/que-es-ligo checked September 26, 2026
Backs: Licences
Compiled from 3 source pages, checked October 13, 2026. We did not open an account.
Not confirmed yet: Monthly fee, Currency conversion fee, Free ATM withdrawals, Protection.