To send money to Peru with MAJORITY, open the app, select Peru, choose your delivery method, enter the recipient's details, and confirm.
Quick answer
Peru is a supported destination with three main delivery methods: bank transfer to a Peruvian bank, mobile wallet deposit to Yape or Plin, and cash pickup at Interbank or Argenper. You set up the transfer in the app, pick Peru, choose the method that fits your recipient, enter their details, and confirm. The funds are delivered in Peruvian soles (PEN) at the exchange rate the app shows you before you confirm.
What you need to know
- To send money to Peru from the US, you need an active account, a destination delivery method, and the recipient's name and contact details for that method.
- Peru supports three delivery methods: bank transfer to a Peruvian bank (30 minutes to 5 business days), mobile wallet to Yape or Plin (minutes to hours), and cash pickup at Interbank or Argenper (same day at participating locations).
- The account is opened in the app with a government-issued ID such as a passport, a US driver's license, or a matrícula consular; an SSN is not required to open the account.
- Transfers can be initiated from the app on your phone; members can also start a Peru transfer by messaging on WhatsApp, which routes into the same destination.
- Bank transfers to Peru require the recipient's 20-digit CCI (Código de Cuenta Interbancario), the interbank code that routes the deposit to a specific Peruvian account.
- The funds are delivered in Peruvian soles at the live USD-to-PEN exchange rate the app quotes before you confirm.
- With the membership at $5.99 per month, money transfers to supported countries are fee-free at the member tier, regardless of delivery method, so there is no per-transfer charge stacked on top of the membership.
Before you send: opening an account
Sending money to Peru starts with an active account in the US. The account is opened in the app and verified with a government-issued ID. You do not need an SSN to open the account.
Accepted IDs include:
- Passport from your country of origin
- Driver's license issued by a US state
- Matrícula consular issued by your country's consulate in the US
- Other government-issued IDs accepted in the in-app verification process
The app walks you through the steps: provide your name and address, upload a photo of your ID, take a selfie for identity verification, and submit. Once the account is active, you can fund it and send to Peru.
How to send money to Peru, step by step
These are the sender-side steps, from opening the app to seeing the transfer marked complete.
- 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 the delivery method: bank transfer, mobile wallet, or cash pickup.
- Enter the recipient's details for that method.
- For bank transfer: bank name, 20-digit CCI, full legal name, DNI (or Carné de Extranjería, or passport) number, phone number.
- For mobile wallet: wallet (Yape or Plin), phone number registered to the wallet, recipient name.
- For cash pickup: recipient name as it appears on their ID, phone number, and the pickup partner (Interbank for PEN or USD, Argenper for PEN).
- Review the summary: exchange rate, PEN amount the recipient will receive, delivery method, recipient details, and any cost.
- Confirm the transfer. Track the status in the app under your wallet or transfers tab; it moves from Pending to Completed when the funds reach the recipient.
Which delivery method to choose
The Peru destination supports three delivery methods. The table below summarizes the trade-offs so you can match the method to your recipient's situation.
| Delivery method | What your recipient needs | Typical speed | Best for |
|---|---|---|---|
| Bank transfer to a Peruvian bank | An account at Banco de Crédito del Perú (BCP), Interbank, Scotiabank, BBVA Continental, Banco de la Nación, Banco GNB, Banco MiBanco, Banco Interamericano de Finanzas, or Banco Pichincha, plus a valid 20-digit CCI | 30 minutes to 5 business days, depending on the receiving bank | Recipients with a Peruvian bank account who do not need the funds the same hour |
| Mobile wallet deposit | A Yape or Plin account on the recipient's Peruvian phone number | Minutes to hours | Recipients who already use a phone-based wallet for daily spending |
| Cash pickup at a partner location | A government-issued ID at a participating partner, including Interbank (PEN and USD) or Argenper (PEN) | Same day at most participating locations | Recipients without a bank account or wallet, or who need cash in hand the same day |
The fastest method depends on the recipient. Mobile wallet deposits to Yape or Plin typically arrive in minutes when the recipient's phone number is active and the wallet is registered. Cash pickup at Interbank or Argenper is usually available within the same day. Bank transfer is the most common option for monthly support transfers to a household in Peru.
What information you need from your recipient
The exact fields depend on the delivery method, but the core details below cover the three Peru delivery methods.
- Full legal name. Exactly as it appears on the recipient's ID or bank account.
- Phone number. A Peruvian mobile number registered to the wallet, used for bank notifications, or available at the pickup counter.
- Peruvian ID number. The Documento Nacional de Identidad (DNI) for Peruvian citizens, the Carné de Extranjería for foreign nationals legally residing in Peru, or, in some flows, a passport number for non-residents.
- Bank, wallet, or pickup partner (depending on method). The exact Peruvian bank for a bank transfer, the wallet provider (Yape or Plin) for a mobile wallet deposit, or the pickup partner (Interbank or Argenper) for cash pickup.
- 20-digit CCI (bank transfer only). The full Código de Cuenta Interbancario as looked up through the recipient's bank's online tool. The CCI must be entered exactly, with no spaces, dashes, or trimmed leading zeros.
Confirming these details in writing with your recipient before you start the transfer is the easiest way to avoid typos that can delay or block the delivery.
The CCI: the Peru-specific detail for bank transfers
Peruvian bank transfers are routed by the CCI, the Código de Cuenta Interbancario, rather than by the bank's 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 bank-transfer route moving:
- Ask your recipient for the CCI directly, not just the shorter internal account number on their card. Major Peruvian banks like Banco de Crédito del Perú (BCP) and Interbank let account holders look up their own CCI online in seconds.
- Double-check the 20 digits and the beneficiary name before confirming the transfer in the app. A wrong CCI is rejected by the receiving bank and the funds are returned to your MAJORITY account, usually within a few business days.
The CCI applies only to the bank-transfer route. Mobile wallet sends to Yape or Plin use the recipient's Peruvian phone number instead, and cash pickup at Interbank or Argenper uses the recipient's name and government-issued ID at the counter.
How much does it cost to send money to Peru?
The cost of a Peru transfer at the member tier has one component: the exchange-rate margin. 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 cost.
The exchange rate the app shows you before confirmation is the rate applied to the conversion from USD to PEN. The total PEN amount the recipient receives is the number you see on the confirmation screen.
Tracking and resolving issues
Every Peru transfer is visible in the transfers tab inside the app. The status moves through Pending, In Progress, and Completed; if a transfer is held for additional verification, the app prompts you in-flow.
Common reasons a Peru transfer can be delayed or returned:
- A typo in the recipient's 20-digit CCI, DNI, or full legal name.
- The recipient's bank or wallet is not on the supported list (a small minority of institutions are not yet supported).
- An unusual transfer amount that triggers additional verification on the US side.
If a transfer is returned, the funds usually settle back to your balance within a few business days. The cleanest fix is to re-confirm the recipient's details and resend.
What to do next
- Open or sign in to the app to get started.
- Confirm with your recipient which delivery method works best: bank transfer to a Peruvian bank, mobile wallet (Yape or Plin), or cash pickup (Interbank or Argenper).
- Collect the recipient's full legal name, Peruvian phone number, DNI (or Carné de Extranjería, or passport), and any method-specific details such as the bank and 20-digit CCI, the wallet provider, or the pickup partner.
- Enter the amount, review the PEN amount your recipient will receive and the estimated delivery time, and confirm.
- Track the status in the app and stay reachable in case the receiving partner asks the recipient for an additional detail.
How MAJORITY can help
MAJORITY is a financial membership for migrants and newcomers in the US, and Peru is one of the supported money-transfer routes. The destination covers 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, mobile wallet sends to Yape and Plin, and cash pickup at Interbank (PEN and USD) and Argenper (PEN). 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 money to Peru from the US?
Open the app, sign in, tap Send money, and select Peru as the destination. Choose a delivery method (bank transfer to a Peruvian bank, mobile wallet to Yape or Plin, or cash pickup at Interbank or Argenper), enter the recipient's details, review the PEN amount and exchange rate, and confirm.
Can I send money to Peru via WhatsApp?
Yes, members can initiate a Peru transfer by messaging on WhatsApp. The WhatsApp flow asks for the same details as the app and routes into the same Peru destination, with the PEN amount and exchange rate shown before you confirm.
Do I need an SSN to send money to Peru?
No, you do not need an SSN to open an account or to send money to Peru. Accepted IDs at account opening include a passport, a US driver's license, a matrícula consular, and other government-issued IDs supported in the in-app verification process.
Which delivery method is fastest for Peru?
Mobile wallet deposits to Yape or Plin are typically the fastest, arriving in minutes to hours when the recipient's phone is active. Cash pickup at Interbank or Argenper is usually available the same day. Bank transfers to a Peruvian bank arrive in 30 minutes to 5 business days, depending on the receiving institution.
What information do I need from my recipient in Peru?
You need the recipient's full legal name and Peruvian phone number, plus method-specific details: the bank and 20-digit CCI plus the DNI for a bank transfer; the wallet provider (Yape or Plin) and phone number for a mobile wallet; and the recipient name on their ID plus the pickup partner (Interbank or Argenper) for cash pickup.
How much does it cost to send money to Peru?
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 is shown in the app before you confirm the transfer, so the total PEN amount the recipient will receive is visible up front.
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.