To send a bank transfer to Peru with MAJORITY, pick Peru in the app, choose bank transfer, enter the recipient's 20-digit CCI, and confirm.
Quick answer
Bank transfer is one of three ways to send money to Peru on this destination, alongside cash pickup and mobile wallet. You open the app, select Peru, choose bank transfer, pick your recipient's bank from the supported list, enter their 20-digit CCI (Código de Cuenta Interbancario), and confirm. The funds arrive in Peruvian soles (PEN) in 30 minutes to 5 business days, depending on the receiving institution.
What you need to know
- Bank transfer is the right choice when your recipient already has an account at a Peruvian bank and wants the money deposited directly rather than picking it up in person.
- Supported institutions include Banco de Crédito del Perú (BCP), Interbank, Scotiabank, BBVA Continental, Banco de la Nación, Banco GNB, Banco MiBanco, Banco Interamericano de Finanzas, and Banco Pichincha.
- The single most important number is the CCI, the 20-digit Código de Cuenta Interbancario that identifies a Peruvian account across the interbank network. Without the correct CCI, a transfer can be delayed or rejected.
- You will also need your recipient's full legal name as it appears on the account and their Peruvian identification number (DNI for Peruvian citizens, Carné de Extranjería for foreign residents, or passport in some flows).
- The funds arrive in Peruvian soles at the live USD-to-PEN exchange rate the app quotes before you confirm.
- Bank transfers to Peru typically arrive in 30 minutes to 5 business days, depending on the receiving bank.
- With the membership at $5.99 per month, money transfers to supported countries are fee-free regardless of delivery method, so there is no per-transfer charge stacked on top of the membership.
Which Peruvian banks you can send a bank transfer to
The Peru destination supports direct deposits to the country's major commercial banks. Your recipient's bank must be on the supported list, and you must use that bank's 20-digit CCI rather than the shorter internal account number.
| Bank | Common use |
|---|---|
| Banco de Crédito del Perú (BCP) | Peru's largest commercial bank; widely held savings and corriente accounts; CCI lookup available online |
| Interbank | Major commercial bank with broad branch and ATM coverage; CCI lookup available online; also a cash-pickup partner |
| Scotiabank | International commercial bank with national presence in Peru |
| BBVA Continental | International commercial bank with broad Peruvian coverage |
| Banco de la Nación | State-owned bank widely used for public-sector salaries and pensions |
| Banco GNB | Commercial bank with national operations |
| Banco MiBanco | Bank focused on small-business and microfinance accounts |
| Banco Interamericano de Finanzas | Commercial bank |
| Banco Pichincha (formerly Banco Financiero) | Commercial bank, part of Grupo Pichincha |
The list in your app is the authoritative one, since institutions are added over time. If your recipient's bank is not visible in the search, ask them which other account they hold or use cash pickup (Interbank or Argenper) or mobile wallet (Yape or Plin) instead.
The CCI: the Peru-specific number you must get right
A Peruvian bank transfer is routed by the CCI, the Código de Cuenta Interbancario, rather than by the bank's own internal account number. The CCI consists of 20 digits and identifies a specific account across Peru's interbank network. Entering the wrong CCI is the most common reason a Peru bank transfer is delayed or rejected.
Two practical points to keep the transfer moving:
- Ask your recipient for the CCI directly, not just the shorter internal account number that appears on their card or in branch. Major Peruvian banks like Banco de Crédito del Perú (BCP) and Interbank let account holders look up their own CCI online in seconds — BCP at viabcp.com/conoce-tu-cci and Interbank at interbank.pe/cci/inicio.
- Double-check the 20 digits and the beneficiary name before confirming the transfer in the app. The CCI must be entered exactly; trimmed digits, extra spaces, or transposed numbers all fail in the same way.
If the CCI is wrong, the receiving bank rejects the deposit and the funds are returned to your MAJORITY account, usually within a few business days. Confirming the CCI in writing with your recipient before you start the transfer is the cleanest way to avoid the round-trip.
What information you need from your recipient
Before you start the transfer in the app, collect these details from your recipient. Confirming them in writing (chat, email, or text) is the easiest way to avoid typos.
- Bank name. The exact Peruvian bank that holds their account, as named in the supported list above.
- CCI. Their full 20-digit Código de Cuenta Interbancario, looked up through their bank's online tool or app rather than written down from memory.
- Full legal name. Exactly as it appears on the account. Small mismatches can delay or block the deposit.
- DNI or other Peruvian ID number. The Documento Nacional de Identidad for Peruvian citizens, the Carné de Extranjería for foreign nationals legally residing in Peru, or, in some flows, a passport number for non-residents.
- Phone number. A Peruvian mobile number so the bank can notify them when the funds arrive.
If any of these is wrong, the receiving bank may reject the deposit and the funds will be returned to you, usually within a few business days. The cleanest fix is to confirm the details with your recipient before you confirm the transfer in the app.
How to send a bank transfer to Peru, step by step
These are the steps from your side as the sender, from the moment you open the app to the moment the funds arrive in your recipient's account.
- Open the app and sign in.
- Tap Send money and select Peru as the destination country.
- Enter the amount you want to send in US dollars. The app shows the live USD-to-PEN exchange rate, the PEN amount your recipient will receive, and the estimated delivery time before you confirm.
- Choose Bank transfer as the delivery method.
- Select your recipient's bank from the supported Peruvian bank list (for example, Banco de Crédito del Perú, Interbank, Scotiabank, or BBVA Continental).
- Enter the recipient's 20-digit CCI exactly as your recipient gave it to you. Do not add spaces, dashes, or extra zeros.
- Enter the recipient's full legal name as it appears on the account.
- Enter the recipient's DNI (or Carné de Extranjería, or passport) number, and their phone number so the bank can send an arrival notification.
- Review the summary: exchange rate, PEN amount the recipient will receive, receiving bank, CCI, recipient name, and any cost. Confirm.
- Track the status in the app under your wallet or transfers tab. The status moves from Pending to Completed when the funds land in the recipient's account.
How long does a bank transfer to Peru take?
A bank transfer to a Peruvian bank account typically arrives in 30 minutes to 5 business days, depending on the receiving institution. Larger commercial banks such as Banco de Crédito del Perú, Interbank, Scotiabank, and BBVA Continental usually post the funds toward the faster end of that range, while smaller institutions can take longer because their inter-bank settlement cycles run less frequently.
For context, the other Peru delivery methods on this destination have different timing:
- Cash pickup at Interbank (PEN and USD) or Argenper (PEN) is typically available the same day.
- Mobile wallet deposit to Yape or Plin is typically available within minutes to hours.
If your recipient has a BCP or Interbank account and is not in a hurry, bank transfer is usually the simplest option. If they need the funds the same day and use Yape or Plin on their phone, the mobile wallet route is often faster.
What ID does my recipient need on the receiving side?
A bank transfer is deposited directly into the account, so your recipient does not need to present an ID at a counter to receive the funds. Their identity is already verified by the bank that holds the account.
If they want to withdraw the cash later from an ATM or in branch, the standard Peruvian ID types apply:
- Documento Nacional de Identidad (DNI) for Peruvian citizens
- Carné de Extranjería for foreign nationals legally residing in Peru
- Passport for foreign nationals visiting Peru
Their bank's own ID requirements take precedence at the point of withdrawal, so confirm with them which ID their bank usually asks for.
What ID you need on the US side to send
To send the transfer from the US, you need an active MAJORITY account. When you opened that account, you provided a government-issued ID (a passport, a driver's license, a matrícula consular, or another accepted ID) and completed identity verification. No additional documentation is needed on the day you send a bank transfer to Peru, beyond signing into the app with your usual credentials and confirming the transfer.
If your account asks for additional verification on a particular transfer (for example, an unusually large amount), the app will prompt you in-flow. Following those prompts is the fastest way to clear the transfer.
What to do next
- Confirm with your recipient which Peruvian bank holds their account.
- Ask them to look up the full 20-digit CCI through their bank's online tool — BCP and Interbank both offer this in their member areas.
- Collect their full legal name as it appears on the account, their DNI (or Carné de Extranjería, or passport) number, and a Peruvian phone number for the arrival notification.
- Open the app, select Peru, choose bank transfer, and enter the details.
- Review the PEN amount your recipient will receive and the estimated delivery time before you confirm.
- Track the status in the app and stay reachable in case the receiving bank requests anything from your recipient.
How MAJORITY can help
MAJORITY is a financial membership for migrants and newcomers in the US. The Peru destination supports bank transfers to Banco de Crédito del Perú, Interbank, Scotiabank, BBVA Continental, Banco de la Nación, Banco GNB, Banco MiBanco, Banco Interamericano de Finanzas, and Banco Pichincha, alongside cash pickup at Interbank and Argenper and mobile wallet sends to Yape and Plin. The membership is $5.99 per month and includes money transfers at the member tier in supported countries, with the PEN amount the recipient will receive shown in the app before each transfer is confirmed.
Frequently asked questions
How do I send a bank transfer to Peru from the US?
Open the app, tap Send money, select Peru, choose bank transfer, pick your recipient's Peruvian bank from the supported list, enter their 20-digit CCI, their full legal name, their DNI or other accepted ID number, and their phone number, then confirm. The funds arrive in Peruvian soles at the exchange rate the app quoted before you confirmed.
Which Peruvian banks are supported for bank transfers?
The supported list includes Banco de Crédito del Perú (BCP), Interbank, Scotiabank, BBVA Continental, Banco de la Nación, Banco GNB, Banco MiBanco, Banco Interamericano de Finanzas, and Banco Pichincha. The list in the app is the authoritative one, since institutions are added over time.
What is the CCI and why do I need it to send a bank transfer to Peru?
The CCI, or Código de Cuenta Interbancario, is the 20-digit interbank code that identifies a specific Peruvian bank account across Peru's interbank network. Peruvian bank transfers are routed by the CCI rather than by the bank's internal account number, so a Peru bank transfer cannot be processed without it. BCP and Interbank both let account holders look up their CCI in their online member areas.
How long does an international bank transfer to Peru take?
A bank transfer to a Peruvian bank account typically arrives in 30 minutes to 5 business days, depending on the receiving institution. Larger commercial banks such as BCP, Interbank, Scotiabank, and BBVA Continental usually post the funds toward the faster end of that range, while smaller institutions can take longer.
What information do I need from my recipient in Peru?
You need the bank name, the full 20-digit CCI, the recipient's full legal name as it appears on the account, their DNI (or Carné de Extranjería, or passport) number, and a Peruvian phone number for the arrival notification. Confirming the CCI in writing before you start the transfer is the cleanest way to avoid a rejection.
What does an international bank transfer to Peru cost?
With the membership at $5.99 per month, money transfers to supported countries are fee-free at the member tier, regardless of delivery method. The exchange rate applied to the USD-to-PEN conversion, along with any applicable cost, is shown in the app before you confirm the transfer.
Disclosures
The MAJORITY app facilitates banking services through Axiom Bank, N.A. ("Axiom"), Member FDIC. The funds deposited in the account held at Axiom, Member FDIC, are FDIC-insured on a pass-through basis up to $250,000 per depositor in the event Axiom fails and subject to the satisfaction of certain conditions. Non-deposit products or services such as money transfers and telecom services are not FDIC-insured.
MAJORITY Visa® Debit Card is issued by Axiom Bank, N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc.