Interbank
- Company typePublic
- Founded1897
- HeadquartersLima, Peru
- Headcount5,001–10,000
- GTM typeB2B and B2C
- OfferingServices
What Interbank does
Interbank (Banco Internacional del Perú S.A.A.) is Peru's third-largest commercial bank and the core banking subsidiary of NYSE-listed Intercorp Financial Services Inc. (IFS). Founded in 1897 and headquartered in Lima, the bank serves retail consumers (Personas), SMEs (Negocios/Pymes), and corporate/institutional clients through a horizontally segmented strategy spanning personal banking, business banking, and trade finance. As the banking anchor of the broader Intercorp group, Interbank is embedded in a diversified financial ecosystem that includes Interseguro (insurance), Inteligo (wealth management), Plin (digital payments), Shopstar (e-commerce), and Erni (digital mutual funds).
The product portfolio is anchored by credit cards (Visa and American Express tiers from Blue/Clásica up to The Platinum Card, with annual fees from S/75 to S/500), savings accounts (Cuenta Simple, Cuenta Millonaria, Cuenta Súper Tasa, Cuenta Joven, time deposits, CTS), personal loans, mortgage products (traditional, MiVivienda, Techo Propio), insurance distribution, and corporate/institutional services including foreign trade, factoring, and fiduciary offerings. Technology infrastructure centers on the Interbank App, which supports 100% digital account opening, biometric authentication (fingerprint and facial recognition), a Virtual Piggy Bank (Alcancía Virtual), and recently launched fraud alert notifications plus a pilot for in-app temporary card blocking that increased alert availability by more than 40%. The Plin interoperable digital wallet — usable across Peruvian banks — processed over 70 million monthly transactions with 2.7 million monthly active clients and more than 30,000 Plin Credit Card users.
Interbank's revenue model combines recurring interest income from lending (personal loans, credit cards, mortgages, business financing) with transaction-based fees from card operations, Plin merchant and P2P payments (via Izipay and Niubiz integrations), insurance distribution commissions through Interseguro, and account/service fees. Distribution is multi-channel: physical Tiendas Interbank branches, the mobile app, Banca por Internet, the 24/7 WhatsApp-based AVI virtual assistant, Agente Interbank agents, GlobalNet ATMs, and dedicated business banking platforms with relationship managers. The IFS parent reported Q1 2026 revenue of $528.28 million (13.29% YoY growth) and trailing-twelve-month revenue and operating income growth of 22.55% and 46.45% respectively, supporting a strong_growth classification.
Interbank firmographics
Firmographics- Name
- Interbank
- Legal name
- Banco Internacional del Perú S.A.A.
- Website
- https://interbank.pe
- Company type
- Public
- Founded year
- 1897
- Operating status
- Operating
- Headcount range
- 5,001–10,000 employees
- Ownership category
- akta.pro rank
Interbank industry classification
Industry- Product category
- Retail Banking
- NAICS
- Commercial Banking (522110)
- SIC
- State Commercial Banks (6022)
- akta.pro primary industry
- Personal Loan & Unsecured Credit Intermediation (FSAEAEAM)
- akta.pro secondary industries
- Interbank Clearing (Domestic Clearing Systems) (FSABAJAB), Cross-Border & FX Payments Platforms (BPAMAFAK)
Keywords
Where Interbank is headquartered
LocationHeadquarters
- HQ city
- Lima
- HQ country
- Peru
- HQ region
- Latin America
Offices1 record
Markets served
Interbank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Interest Income: Revenue from lending activities including personal loans, credit cards, mortgages, and business financing. Core banking interest income from loan portfolio.
- Credit Card Fees and Commissions: Annual membership fees, transaction fees, and interchange revenue from credit card operations across Visa and American Express card portfolio.
- Digital Payment Services: Transaction fees and merchant services revenue from Plin platform and POS terminal operations through Izipay partnership.
- Insurance Distribution: Commissions from selling insurance products through Interseguro, including life, health, vehicle, and travel insurance.
- Account and Service Fees: Maintenance fees, service charges, and fees for various banking services including transfers, foreign exchange, and trade finance.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | American Express Blue - Entry level premium card |
| Subscription | Annual | American Express Gold - Mid-tier premium card |
| Subscription | Annual | American Express Platinum - High-tier premium card |
| Subscription | Annual | American Express Black - Top-tier premium card |
| Subscription | Annual | The Platinum Card American Express - Highest tier |
| Subscription | Annual | Secured Credit Card with Guarantee Deposit |
| Freemium | Monthly | Simple Account - Digital savings account |
| Subscription | Monthly | Various cashback promotions |
Go-to-market motion3 records
Distribution channels8 records
Marketing channels8 records
Interbank product offering
Product offeringCore offering
Interbank (Banco Internacional del Perú S.A.A.) is Peru's third-largest lender, offering full-service banking to consumers, SMEs, and large corporations. Core offerings include credit cards (Visa and American Express portfolios), savings and checking accounts, personal and mortgage loans, digital payments via the Plin platform, insurance products distributed through Interseguro, mutual fund investments, and business banking services including working capital financing, factoring, foreign trade, and merchant POS acquiring through Izipay.
Product overview
Interbank (Banco Internacional del Perú) operates as Peru's third-largest bank, offering a comprehensive digital banking ecosystem. The core product portfolio centers on credit cards (Visa and American Express variants), multiple savings account types (Simple, Millonaria, Súper Tasa), personal loans, and mortgage financing. Key digital products include the Interbank App for mobile banking, Plin digital wallet for instant P2P and merchant payments with over 2.7M monthly active users, and the Plin Negocios business payment solution. The bank serves consumers (Personas), SMEs (Negocios), and large corporations (Empresas e Instituciones) through online channels including Banca por Internet, WhatsApp AVI assistant, and in-person branches. Complementary offerings include insurance products, mutual funds, electronic factoring, foreign trade services, and Shopstar e-commerce platform.
Differentiator
Problem solved
Functional benefit
Brands
- Plin: Digital payment platform under the same financial group enabling instant money transfers between banks, with 2.7 million monthly active clients and over 70 million monthly transactions
- Shopstar
- CIMA
Products and services
- Credit Cards (Visa & American Express)
- Secured Credit Card with Liquid Guarantee (Tarjeta de Crédito con Garantía)
- Savings Accounts (Cuentas de Ahorro)
- Plin Digital Wallet
- Personal Loans (Préstamo Personal)
- Mortgage Loans (Crédito Hipotecario)
- Insurance Products (Seguros)
- Investment Funds (Fondos Mutuos)
- Interbank Mobile App
- Banca por Internet
- Business Account (Cuenta Negocios)
- Business Loans (Capital de Trabajo)
- Foreign Trade Services
- Erni Digital Investment Platform
- Virtual Piggy Bank (Alcancía Virtual)
- Extracash
- Shopstar Online Store Platform
Quantifiable outcome
- 40%+ increase in alert availability for users through new mobile banking security features
- +2 more outcomes
Companies that use Interbank
Customer profileNamed customers2 records
Segments3 records
Ideal customer profiles3 records
Interbank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration6 records
AI capability4 records
Feature6 records
Interbank partnerships and signals
Strategic signalPartnerships
Ten partnerships are on record, tiered core and minor.
- PlincorePlin is a digital payment platform under the same Intercorp financial group. Plin reported 2.7 million monthly active clients and over 70 million monthly transactions, with Plin Credit Card surpassing 30,000 active users. It enables instant P2P transfers between banks and QR payments at merchants.
- IzipaycoreIzipay provides POS terminal network for merchant payment acceptance. Interbank offers Plin through Izipay POS terminals for contactless payments at physical merchants.
- NiubizcoreNiubiz is a payment processor enabling online payment acceptance for Interbank cardholders at e-commerce merchants.
- ShopstarminorShopstar is an online store platform backed by Interbank, enabling merchants to open online stores with integrated payment processing.
- CIMAminorCIMA (Centro de Investigación y Marketing) is listed as a backing company under Interbank's ecosystem.
- IntersegurocoreInterseguro is the insurance subsidiary of Intercorp Financial Services. Interbank distributes insurance products including life, health, vehicle, and travel insurance through its banking channels.
- InteligocoreInteligo is the wealth management subsidiary of Intercorp Financial Services. Part of the IFS group alongside Interbank and Interseguro, serving high-net-worth clients.
- InRetailminorInRetail is a retail conglomerate. In April 2026, Intercorp and InRetail completed a $130 million joint acquisition of InFinance XP to expand into higher-growth consumer finance segments.
- VisacoreVisa is the card network partner for Interbank credit and debit cards including Visa Classic, Visa Gold, Visa Platinum, Visa Signature, and Visa Infinite products.
- American ExpresscoreAmerican Express is the card network partner for Interbank premium credit cards including Amex Blue, Amex Green, Amex Gold, Amex Platinum, and Amex Black products.
Scale indicators12 records
Recent moves6 records
Expansion highlights5 records
Interbank competitors and assessment
Company assessmentDirect peers
- Mibanco: Peru's largest microfinance bank, focused on small-business and consumer lending. Directly comparable in serving the lower-mass retail and SME segments that Interbank's Pymes and personal-loan franchises also target.
- Yape (BCP): Peru's leading P2P and merchant digital wallet, operated by BCP. Most direct competitor to Interbank's Plin platform, with overlapping P2P transfer, QR payment, and merchant acquiring functionality.
- Scotiabank Peru: Major Peruvian commercial bank with retail, SME, and corporate banking franchises. Comparable customer segments, product suite (cards, mortgages, business loans), and digital strategy, making it a direct like-for-like competitor to Interbank.
- BanBif: Mid-sized Peruvian commercial bank with retail, SME, and corporate offerings. Competes with Interbank for similar customer segments and product categories, though with smaller scale and brand presence.
- Banco Pichincha Peru: Peruvian subsidiary of Ecuadorian Banco Pichincha. Offers retail and SME banking products that overlap with Interbank's portfolio, particularly in the small-business segment where both compete for similar client profiles.
- BBVA Peru: Peru's second-largest bank and one of Interbank's top three competitors. Offers the same comprehensive retail, SME, and corporate banking products in Peru, plus digital wallet and app capabilities that overlap with Interbank's offering.
- Banco de Crédito del Perú (BCP): Peru's largest bank and Interbank's primary competitor. Operates the same full-service retail/SME/corporate banking model in Peru, with comparable product suite (cards, loans, mortgages, trade finance) and the Yape digital wallet, which directly competes with Plin.
Emerging players
- Banco Falabella Peru: Retail-bank affiliate of Falabella with a consumer-credit and credit-card-led model. Competes with Interbank in the consumer credit card and personal loan space, particularly among retail-store customers.
Broad incumbents
- Banco de la Nación: Peruvian state-owned commercial bank. While operating as a depository and lender, its government mandate (public sector payroll, social program disbursements) differentiates it; nonetheless competes in retail deposits and payments with Interbank.
Regional players
- Caja Arequipa: Peruvian municipal savings institution focused on southern Peru. Operates as a depository and small-business lender, partially overlapping with Interbank's SME and consumer products but serving a different geographic footprint.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
Interbank social profiles
Digital presenceInterbank financial estimates
Financial estimateRevenue estimate
Valuation estimate
Interbank leadership team
Management profileNumber of profiles
Profiles1 record
Interbank subsidiaries and ownership
Company hierarchySubsidiaries3 records
Interbank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Interbank M&A and investment
M&A and investmentM&A
Investments2 records
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Interbank
What does Interbank do?
Interbank (Banco Internacional del Perú S.A.A.) is Peru's third-largest lender, offering full-service banking to consumers, SMEs, and large corporations. Core offerings include credit cards (Visa and American Express portfolios), savings and checking accounts, personal and mortgage loans, digital payments via the Plin platform, insurance products distributed through Interseguro, mutual fund investments, and business banking services including working capital financing, factoring, foreign trade, and merchant POS acquiring through Izipay.
Is Interbank a public or private company?
Interbank is a public company. It is classified as public and is currently operating.
When was Interbank founded?
Interbank was founded in 1897. It employs 5,001 to 10,000 people.
Where is Interbank based?
Interbank is headquartered in Lima, Peru, in the Latin America region.
How does Interbank make money?
Five revenue lines are on record. Interest Income is the primary driver. The others are credit Card Fees and Commissions, digital Payment Services, insurance Distribution and account and Service Fees.
Who are Interbank's main competitors?
Direct peers on record are Mibanco, Yape (BCP), Scotiabank Peru, BanBif, Banco Pichincha Peru, BBVA Peru and Banco de Crédito del Perú (BCP). Banco Falabella Peru is listed as an emerging player. Banco de la Nación is listed as a broad incumbent. Caja Arequipa is listed as a regional player.
Does Interbank have an API?
No public API is recorded for Interbank.
What industry is Interbank in?
Interbank's product category is Retail Banking. Its primary akta.pro industry code is FSAEAEAM, Personal Loan & Unsecured Credit Intermediation, with a secondary code of FSABAJAB, Interbank Clearing (Domestic Clearing Systems). Its NAICS code is 522110 and its SIC code is 6022.