Interbank

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.

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

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

• Retail banking services
• Consumer lending
• Credit card services
• Digital payments
• Commercial banking

Headquarters

HQ city

Lima

HQ country

Peru

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Interest Income: Revenue from lending activities including personal loans, credit cards, mortgages, and business financing. Core banking interest income from loan portfolio.
2. Credit Card Fees and Commissions: Annual membership fees, transaction fees, and interchange revenue from credit card operations across Visa and American Express card portfolio.
3. Digital Payment Services: Transaction fees and merchant services revenue from Plin platform and POS terminal operations through Izipay partnership.
4. Insurance Distribution: Commissions from selling insurance products through Interseguro, including life, health, vehicle, and travel insurance.
5. Account and Service Fees: Maintenance fees, service charges, and fees for various banking services including transfers, foreign exchange, and trade finance.

Pricing tiers

Go-to-market motion3 records

Distribution channels8 records

Marketing channels8 records

Core 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

Named customers2 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

AI capability4 records

Feature6 records

Partnerships

Ten partnerships are on record, tiered core and minor.

• PlincoreStrategic or Co-development Partner · 15 June 2026Plin 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.
• IzipaycoreTechnology or IntegrationIzipay provides POS terminal network for merchant payment acceptance. Interbank offers Plin through Izipay POS terminals for contactless payments at physical merchants.
• NiubizcoreTechnology or IntegrationNiubiz is a payment processor enabling online payment acceptance for Interbank cardholders at e-commerce merchants.
• ShopstarminorChannel Partner/ Reseller/ DistributorShopstar is an online store platform backed by Interbank, enabling merchants to open online stores with integrated payment processing.
• CIMAminorOthersCIMA (Centro de Investigación y Marketing) is listed as a backing company under Interbank's ecosystem.
• IntersegurocoreStrategic or Co-development PartnerInterseguro is the insurance subsidiary of Intercorp Financial Services. Interbank distributes insurance products including life, health, vehicle, and travel insurance through its banking channels.
• InteligocoreStrategic or Co-development PartnerInteligo is the wealth management subsidiary of Intercorp Financial Services. Part of the IFS group alongside Interbank and Interseguro, serving high-net-worth clients.
• InRetailminorStrategic or Co-development PartnerInRetail 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.
• VisacoreTechnology or IntegrationVisa 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 ExpresscoreTechnology or IntegrationAmerican 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

Direct 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

• Xx.com/interbank
• YouTubeyoutube.com/user/InterbankDigital
• Facebookfacebook.com/InterbankPeru
• Instagraminstagram.com/interbank
• LinkedInlinkedin.com/company/interbank

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments2 records

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Interbank