Ligo review
Updated October 13, 2026 · HodlCue Editorial Team
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Our verdict
Ligo exchanges a traditional bank relationship for a virtual card linked to a digital wallet with an interbank account code for transfers across the country. Ligo is a digital wallet for people in Peru who want to collect, pay and transfer in soles and dollars from one app.
Key facts
- Best for
- People collecting and spending in soles and dollars
- 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
- Provides a virtual card on global networks for online collecting and paying.
- Holds both soles and dollars with transfers between wallets, accounts and cajas.
- Generates payment links and QR connections for collecting from clients and friends.
- Supports cash withdrawals at ATMs and transfers to banks nationwide.
Cons
- Operates app first with identity verification by document, selfie and email.
- Focuses on one national transfer system with CCI rather than wider coverage.
Who it suits
- Freelancers collecting link payments from clients
- People managing daily balances in soles and dollars
- Entrepreneurs using QR and numbers to receive funds
Who should look elsewhere
- People wanting branch based account opening
- People avoiding mobile wallet management
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 offer as a digital wallet?+
Ligo offers a digital wallet with a virtual card for paying and collecting plus an interbank account code for sending and receiving across the country. The app handles transfers by number and QR, creates payment links for clients and friends, and moves funds to banks and cajas.
Which currencies does Ligo support?+
Ligo works with soles and dollars and lets holders keep balances in either option. Users receive outside online balances in the chosen currency and manage everyday income in both monies. Guidance explains points to consider before changing dollars into soles.
How does Ligo handle receiving money?+
Ligo receives funds from wallets, accounts and cajas through its interbank account code. Users share a number or QR to collect money and generate links for customer payments. Top ups arrive from debit or credit cards and from other banks.
How does Ligo support everyday spending?+
Ligo combines online payments with physical spending through withdrawals and a physical card option. Holders withdraw cash from ATMs and transfer balances from the wallet to banks. The same balance therefore serves app payments and face to face purchases.
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.