How do I send money to Peru?

Message MAJORITY on WhatsApp with nothing to download, or open the MAJORITY app and select Money transfers. A guided chat or the app takes you through it: choose Peru, enter your amount, add your recipient’s details, and pick a Yape or Plin wallet, a bank deposit, or cash pickup. You see the live USD-to-PEN rate, the delivery estimate, and any fee before you confirm.

How much does it cost to send money to Peru?

With a MAJORITY membership ($6.99/month), you send with a $0 transfer fee. Without a membership, sending on WhatsApp costs a flat $1.99 per transfer. Either way, you see the exchange rate and any fee before you confirm. MAJORITY earns money on the foreign exchange rate on all transfers. Additional fees may apply if cash-pickup is selected, or the receiving country imposes additional taxes or fees.

Should I send money to Peru with WhatsApp or the MAJORITY app?

Both work, and the difference is price and setup. On WhatsApp you pay $1.99 per transfer with nothing to download and no ID to upload, so it suits a one-off transfer. With a membership in the app you send to Peru with a $0 transfer fee, and you get your full MAJORITY account, saved recipients, and your transfer history in one place. In both cases you see the rate and any fee before you confirm.

Is it safe to send money to Peru on WhatsApp?

Yes. You send through MAJORITY, an authorized money transfer service, not a person-to-person payment to a stranger. Transfers are encrypted and handled by licensed partners, and you confirm the amount and the rate before the money is sent. Money transfer services are not FDIC insured.

Do I need a Social Security Number to send money to Peru?

No SSN required. You open your MAJORITY account with a passport or other approved government-issued ID and proof of US residency, then send money to Peru. On WhatsApp there’s no ID to upload: you confirm a few personal details and your identity is verified as you send. Additional onboarding questions may apply for customers with no SSN.

How long does a transfer to Peru take?

It depends on the method. Yape and Plin wallet transfers usually arrive in minutes, and so do bank deposits. Cash pickup takes longer and the time varies by location, so you see the estimate for your chosen method before you confirm.

Where can my family receive the money in Peru?

Three ways. A mobile wallet transfer to their Yape or Plin account, using their Peruvian phone number. A bank deposit to their account at Banco de Crédito del Perú (BCP), Interbank, BBVA, Scotiabank, or Banco de la Nación. Or cash pickup at an Interbank location. Wallet, bank deposit, and cash pickup are the three options in Peru today. Wallet and bank transfers arrive in Peruvian soles, and cash pickup can be collected in US dollars or in soles. Confirm your recipient’s wallet, bank, or pickup point in the app before you send, because available options can change.

What do I need from my recipient to send money to Peru?

For a Yape or Plin wallet: their full name as it appears on their ID and their Peruvian mobile number. For a bank deposit: their full name and their 20-digit CCI account number at a Peruvian bank. For cash pickup: their full name and their phone number. Every method also uses their 8-digit DNI. They collect cash with a valid government-issued photo ID and the pickup code you share with them.

What exchange rate do I get for USD to PEN?

You get the live USD-to-PEN rate shown in the app or the WhatsApp chat at the moment you send, and you see it before you confirm along with any fee and the exact amount in soles your family receives. Rates move during the day, so the number you see at confirmation is the one that applies. MAJORITY earns money on the foreign exchange rate on all transfers.

How much can I send to Peru?

You see your available limit in the app or in the WhatsApp chat before you send, and it depends on your account, how long you have been with MAJORITY, and the details you have verified. Transfer limits apply and vary per user.

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SEND MONEY TO PERU

Send money to Peru on WhatsApp with nothing to download, or in the MAJORITY app. See the live USD-to-PEN rate and any fee before you send, and track every transfer.

How your family receives money in Peru

Send directly to a mobile wallet like Yape or Plin, a bank deposit, or a cash pickup location in Peru. Their money, their way. See available methods below.

Availability and delivery times vary by receiving bank, wallet, and pickup point.

App

About

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. The MAJORITY Visa® debit card is also issued by Axiom pursuant to a license from Visa U.S.A. Inc. Non-deposit products and services such as money transfers and telecom services are not FDIC-insured.

The Commissioner of Financial Regulation for the State of Maryland will accept all questions or complaints from Maryland residents regarding Majority Payment Services LLC (NMLS # 1991596) at 1100 North Eutaw Street, Suite 611, Baltimore, MD 21201, phone 888-784-0136.

Services may be provided by Majority Payment Services LLC (NMLS # 1991596). This licensed company may be verified through the NMLS consumer access website: https://www.nmlsconsumeraccess.org/

The MAJORITY Visa® Credit Card is issued by WebBank, member FDIC, pursuant to a license from VISA U.S.A. Inc. MAJORITY is not a bank or lender and is a technology company. Joining the waitlist does not constitute an application for credit and does not affect your eligibility or approval status. An application must be submitted to be considered for the card. Eligibility requirements apply, including but not limited to income and expense requirements, keeping your MAJORITY account in good standing, and establishing a security deposit account.

*Boost amount (i.e., the amount of the credit line increase) is up to 5% of the monthly on-time payment of at least the minimum payment due and is subject to other terms and conditions, including but not limited to an ability to repay check and a monthly cap in the credit card agreement.

**We report account information to one or more credit reporting agencies. Both positive and negative payment history impact your credit score. The impact of payment history on credit bureau scoring models will vary. Making on-time payments may help to build a credit profile for consumers without existing debt. Failure to make on-time payments will result in a negative history reported to credit reporting agencies and may negatively impact your credit score.

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