Ligo review

Ligo has no monthly charge: the fee is PEN 0, the same as the site median €0. Free accounts are common in this group, so the choice usually comes down to how many currencies you need and what each transfer costs.

Sending money between Ligo accounts is free. A transfer to a bank account costs PEN 3.54 per transaction, and the price depends on whether you use a soles card or a dollars card, so the card currency sets the figure you pay.

Ligo states 30 minutes for an international transfer, so paying a supplier or a freelancer abroad does not mean waiting days for the money to land. Short times like this matter most for time-sensitive invoices and salary runs.

Payouts cover bank, cash pickup and wallet. That means a bank transfer for a direct credit, cash pickup for a payee without easy bank access, and a wallet to move funds into another app. Bank payouts are the one that carries the charge of PEN 3.54.

Ligo is issued by EEDE Tarjetas Peruanas Prepago S.A. in PE and is supervised by the Superintendencia de Banca, Seguros y AFP (SBS). It is set up as a prepaid account for everyday spending, aimed at business and freelancer, rather than as an investment.

Opening the account needs no credit check, which Ligo records under no credit check. That matters for anyone without a credit file in Peru, since an automated check would otherwise hold up or block the application. The account is built for business and freelancer.

Ligo covers 2 currencies, which puts it at the lower end of this group: the site median is 5 and the top of the multi-currency list reaches 360. A small set is fine if you only bill and pay in local money.

Support covers email, phone and help centre. Phone and chat suit an urgent transfer question, while email and the help centre work better for anything that needs a written trail, such as a limit change or a payout that did not arrive.