Ligo review
Updated October 12, 2026 · DebitCue Editorial Team
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Our verdict
Ligo offers a digital wallet with virtual and physical cards for paying, collecting and transferring money in soles and dollars. You run transfers, collections by link or code and cash withdrawals from one app if you earn and spend outside a traditional bank.
Key facts
Apps and profiles
- Get the app
- App Store
Pros and cons
Pros
- Holds balances in soles and dollars within one wallet.
- Issues a virtual card with a physical card available on request.
- Collects payments through links, numbers and codes for sellers.
- Moves money to and from domestic banks, wallets and cash funds.
Cons
- Focuses on Peruvian documents and domestic bank and cash networks.
- Centres daily management on a single mobile app experience.
- Covers only two currencies rather than a wider basket.
Who it suits
- Freelancers handling income in soles and dollars
- Small sellers collecting payments by link or code
- People operating without a traditional bank account
Who should look elsewhere
- People needing many international currencies
- People preferring in branch service
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 does Ligo provide?+
Ligo provides a digital wallet that supports payments, transfers, collections and service payments alongside virtual and physical cards. You can send money to banks and wallets, collect from customers and withdraw cash from cash machines. The service also supports movement between banks and cash institutions through an interbank account identifier.
Which currencies does Ligo support?+
Ligo works with balances in soles and dollars and allows movement between them. You can receive international platform payouts in your chosen currency and then pay or transfer locally. The structure suits people who earn in one currency and spend in the other.
Who can open a Ligo account?+
Ligo is set up for people who hold a national identity document or a foreign resident card in Peru. Identity is confirmed with the document and a selfie before the digital account is activated. Confirmation arrives by email and the wallet is then ready for payments and transfers.
How does Ligo help independents collect money?+
Ligo lets sellers generate payment links and share a number or code for collections. Funds can arrive from wallets, bank accounts and cash institutions across the country. The same wallet then supports onward transfers, bill payments and spending in physical shops.
Where can Ligo money be used or withdrawn?+
Ligo supports transfers from the wallet to banks for onward use. Cash can be withdrawn from cash machines and the cards work for spending in physical shops. All movements stay linked to the central wallet so balances remain organised in one place.
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.