Banco Ripley
- Company typePrivate
- Founded1997
- HeadquartersLima, Peru
- Headcount1,001–5,000
- GTM typeB2C
- OfferingServices
Banco Ripley firmographics
Firmographics- Name
- Banco Ripley
- Legal name
- Banco Ripley S.A.
- Website
- https://bancoripley.com.pe
- Company type
- Private
- Founded year
- 1997
- Operating status
- Operating
- Headcount range
- 1,001–5,000 employees
- Ownership category
- akta.pro rank
Where Banco Ripley is headquartered
LocationHeadquarters
- HQ city
- Lima
- HQ country
- Peru
- HQ region
- Latin America
Offices2 records
Markets served
Banco Ripley business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Credit Card Interest and Fees: Revenue from credit card lending including interest charges on revolving balances, annual membership fees (S/68 standard, S/48 for certain clients), cash advance fees (4.99% commission), and insurance/surcharges.
- Personal Loan Interest: Interest income from personal loans (Súper Efectivo, Préstamo Efectivo, Efectivo Express) and debt consolidation products. TCEA ranges from 29.81% to 181.08% depending on product.
- Deposit Interest Spread: Spread income from accepting deposits (Ahorro Plus, Cuenta Simple, Cuenta Ripley Max, CTS, Depósito a Plazo Fijo) and lending at higher rates. TREA for savings 0.15% to 4.50%, loans at 29-98% TCEA.
- RipleyPuntos Go Rewards Program: Loyalty program that drives customer spending on Ripley cards, creating interchange revenue and merchant partnerships with participating establishments.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Tarjeta Ripley Mastercard - Standard rate |
| Subscription | Annual | Tarjeta Ripley Mastercard Basic |
| Transaction based/ take rate | Monthly | Súper Efectivo Personal Loan |
| Transaction based/ take rate | Monthly | Préstamo Efectivo |
| Transaction based/ take rate | Monthly | Efectivo Express Cash Advance |
| Other | Pay-as-you-go | Depósito a Plazo Fijo |
| Other | Monthly | Cuenta Ahorro Plus |
| Other | Monthly | Cuenta Simple |
| Other | Monthly | CTS Account |
Go-to-market motion1 record
Distribution channels7 records
Marketing channels6 records
Banco Ripley product offering
Product offeringCore offering
Banco Ripley is a Peruvian retail bank that provides consumer credit cards (Mastercard), personal loans, cash advances, savings accounts, fixed-term deposits, CTS accounts, and insurance products to individual consumers. Its offerings are tightly integrated with the Ripley retail ecosystem through the RipleyPuntos Go loyalty program, in-store card issuance, and access via 70+ Ripley department stores and 8,000+ KasNet correspondent agents across Peru.
Product overview
Banco Ripley is a Peruvian bank offering a comprehensive financial services portfolio built around credit cards, personal loans, and savings products. The core offering centers on the Tarjeta de Crédito Mastercard Ripley credit card and Tarjeta de Débito Ripley debit card, which integrate with the RipleyPuntos Go loyalty program. Lending products include Efectivo Express (cash advance), Súper Efectivo and Préstamo Efectivo personal loans (ranging S/500-S/75,000), and Consolidación de Deuda debt consolidation. Savings options encompass Cuenta Ahorro Plus, Cuenta Simple, Cuenta Ripley Max savings accounts, Depósito a Plazo Fijo fixed-term deposits, and CTS accounts. Digital access is provided through the App Banco Ripley mobile app and Banca por Internet online platform, secured by Token Digital R Pass. Additional services include insurance products, promotional programs like Restofans, and the Corta y Clara financial education initiative. The bank operates through its own branch network, KasNet correspondent agents (8,000+), and Globalnet ATMs, accepting Mastercard network payments.
Differentiator
Problem solved
Functional benefit
Brands
- RipleyPuntos Go: Loyalty rewards program where customers accumulate points with purchases and can redeem them for products at Ripley stores.
- Seguros Ripley
- Efectivo Express
- Súper Efectivo
- Token Digital R Pass
- KasNet
Products and services
- Tarjeta de Crédito Mastercard Ripley Primary consumer credit card accepted globally via Mastercard network, with contactless payments, exclusive discounts at Ripley stores and partner merchants, RipleyPuntos Go rewards accumulation, and cash advance capability. Annual membership fees apply (S/68 standard, S/48 for legacy clients; free for new clients from 01/12/2024 with S/250 monthly spending). TEA ranges 15.94%-109.83% by customer profile.
- Tarjeta de Débito Ripley Debit card linked to Ripley savings accounts with zero commission on purchases in Peru and abroad, cash withdrawals at Mastercard ATMs, and RipleyPuntos Go rewards on purchases.
- Efectivo Express Cash advance product against the customer's credit card, disbursing S/50 to S/20,000 in 1 to 25 monthly installments. Available through the app, web, phone, branches, and KasNet agents with a 4.99% commission (min S/19.90, max S/75). TCEA maximum 181.08% (TEA 109.83%).
- Súper Efectivo Unsecured personal loan for any purpose, disbursing S/1,500 to S/75,000 in 6 to 60 monthly installments with immediate disbursement to a savings account or as cash. TCEA maximum referential 98.06% (TEA 87.90%) and 0.30% monthly desgravamen insurance.
- Préstamo Efectivo Personal loan accessible to non-clients with only DNI required, disbursing S/500 to S/26,000 in 6 to 36 monthly installments to a Ripley Max savings account. TCEA maximum referential 98.06%.
- Consolidación de Deuda Debt consolidation loan that unifies outstanding credit card and loan balances from other banks into a single Banco Ripley credit, ranging S/1,500 to S/75,000 over 36 to 60 months.
- Depósito a Plazo Fijo Fixed-term deposit in soles or dollars, terms from 1 to 36 months, minimum S/1,000, no commissions or maintenance fees. Promotional TREA of 4.25% for S/1,000+ deposits at 6-12 months (valid 01/06/2026-31/07/2026).
- Cuenta Ahorro Plus High-yield savings account with promotional TREA of 4.50% (valid 19/01/2026-31/07/2026), no minimum opening, zero maintenance if average balance S/500+, two free monthly withdrawals at Mastercard ATMs.
- Cuenta Simple Basic savings account in soles or dollars with TREA 0.15% soles / 0.10% USD, zero maintenance, 10 free monthly Mastercard ATM withdrawals, and included debit card for purchases.
- Cuenta Ripley Max Digital savings account with TREA of 0.15%, free withdrawals at Mastercard ATMs, and zero-cost digital operations.
- CTS Ripley Peruvian Compensation Time Service (CTS) account with TREA maximum 4.75% in soles / 1.00% USD, free transactions, free statements in May and November, ITF-exempt, and included debit card.
- Seguros Ripley Insurance products distributed through the bank, including desgravamen credit life insurance and purchase protection insurance.
Quantifiable outcome
- 4.25% TREA on 12-month fixed deposits for S/5,000
- +2 more outcomes
Companies that use Banco Ripley
Customer profileSegments3 records
Ideal customer profiles2 records
Banco Ripley technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration8 records
AI capability3 records
Feature4 records
Banco Ripley partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- MastercardcoreMastercard and Banco Ripley partnered on the Agent Pay infrastructure enabling AI-driven payment transactions. Banco Ripley participated in live agentic payment transactions across Latin America and the Caribbean, allowing AI agents to initiate and complete payments on behalf of customers with full cardholder consent using existing Mastercard payment infrastructure.
Scale indicators5 records
Recent moves10 records
Expansion highlights6 records
Banco Ripley competitors and assessment
Company assessmentMarket position
Competitive moat4 records
Customer concentration
Banco Ripley social profiles
Digital presenceBanco Ripley compliance and trust
Trust signalCompliance1 record
Banco Ripley financial estimates
Financial estimateRevenue estimate
Valuation estimate
Banco Ripley leadership team
Management profileNumber of profiles
Profiles12 records
Banco Ripley funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Banco Ripley M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Banco Ripley
What does Banco Ripley do?
Banco Ripley is a Peruvian retail bank that provides consumer credit cards (Mastercard), personal loans, cash advances, savings accounts, fixed-term deposits, CTS accounts, and insurance products to individual consumers. Its offerings are tightly integrated with the Ripley retail ecosystem through the RipleyPuntos Go loyalty program, in-store card issuance, and access via 70+ Ripley department stores and 8,000+ KasNet correspondent agents across Peru.
Is Banco Ripley a public or private company?
Banco Ripley is a private company. It is classified as corporate owned and is currently operating.
When was Banco Ripley founded?
Banco Ripley was founded in 1997. It employs 1,001 to 5,000 people.
Where is Banco Ripley based?
Banco Ripley is headquartered in Lima, Peru, in the Latin America region.
How does Banco Ripley make money?
Four revenue lines are on record. Credit Card Interest and Fees are the primary driver. The others are personal Loan Interest, deposit Interest Spread and ripleyPuntos Go Rewards Program.
Does Banco Ripley have an API?
No public API is recorded for Banco Ripley.