BANCO INTERNACIONAL DEL PERU - INTERBANK

What BANCO INTERNACIONAL DEL PERU - INTERBANK does

Banco Internacional del Perú S.A.A. (Interbank) is a Peruvian commercial bank headquartered in Lima that provides retail, small-business, and corporate banking services through an omnichannel platform combining physical branches, an agent network (Agente Interbank), the GlobalNet ATM network, and digital channels (Interbank APP, Banca por Internet, WhatsApp AVI). The bank serves three primary customer segments — Personas (individuals), Negocios (small businesses), and Empresas e Instituciones (corporate and institutional clients) — with a product portfolio spanning savings accounts, credit and debit cards, personal and mortgage loans, insurance distribution, mutual funds, and time deposits. Underlying technology is built around the Interbank APP mobile platform, the Cuenta Simple 100% digital account onboarding flow, the Plin interbank peer-to-peer payment rail, the Erni digital mutual-fund investing tool, and the Shopstar e-commerce marketplace, with a WhatsApp-based AVI virtual assistant serving as the primary 24/7 customer-service channel.

Interbank generates revenue through four core streams: net interest income from personal, mortgage, credit-card, and commercial lending; transaction-based fee and commission income on accounts, transfers, and card operations; commission and referral income from distributing insurance products (card protection, credit protection, health, vehicle, travel); and recurring revenue from investment products (mutual funds, time deposits, retirement funds). The go-to-market is dual-track — a product-led/digital-led motion targeting retail customers via Cuenta Simple 100% online account opening, free home-delivered credit cards, and self-service app onboarding, layered on top of a traditional direct-to-consumer retail-banking motion through physical branches, agents, and ATMs. The bank's pricing model is not publicly disclosed, but interest rates, fees, and commissions are published in the "Tasas y tarifas" section of the corporate website and vary by product and customer credit profile. Wholly-owned operating subsidiaries include Shopstar (e-commerce marketplace) and CIMA (insurance services). PayPal fund withdrawal is integrated as a cross-border payment capability.

Name

BANCO INTERNACIONAL DEL PERU - INTERBANK

Legal name

Banco Internacional del Perú S.A.A.

Website

https://interbank.com.pe

Company type

Public

Operating status

Operating

Headcount range

101–250 employees

Short description

Banco Internacional del Perú (Interbank) is a Peruvian commercial bank offering retail, small-business, and corporate banking products — including accounts, credit/debit cards, loans, mortgages, insurance, and investments — through an omnichannel platform spanning branches, agents, ATMs, mobile app, and digital payments.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Commercial Banking (52211), Depository Credit Intermediation (5221)

SIC

National Commercial Banks (6021)

akta.pro primary industry

Cross-Border & FX Payments Platforms (BPAMAFAK)

Keywords

• Retail banking services
• Savings accounts
• Credit card products
• Digital payments
• Mortgage lending

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, Infrastructure, Marketing or Sales, Others

Revenue model

1. Interest Income: Revenue generated from lending activities including personal loans, mortgages, credit cards, and business loans through interest charged on outstanding balances
2. Fee and Commission Income: Fees from account maintenance, transactions, transfers, card operations, and various banking services
3. Insurance Products: Distribution of insurance products including card protection, credit protection, health insurance, vehicle insurance, and travel insurance
4. Investment Products: Mutual funds, time deposits, retirement funds, and stock market investments distributed to customers

Go-to-market motion2 records

Distribution channels6 records

Marketing channels5 records

Core offering

Banco Internacional del Perú (Interbank) is a Peruvian universal bank that provides retail and commercial banking products — savings and salary accounts, credit and debit cards, personal and mortgage loans, insurance, mutual funds, and time deposits — alongside digital payment services (Plin) and an e-commerce marketplace (Shopstar). Distribution is omnichannel via the Interbank APP, Banca por Internet, WhatsApp AVI assistant, physical branches, the Agente Interbank agent network, and the GlobalNet ATM network.

Product overview

Banco Internacional del Perú (Interbank) operates as a comprehensive Peruvian banking institution offering a platform-plus-modules architecture centered on its Interbank APP mobile banking application and traditional banking channels. The core product portfolio encompasses credit and debit cards (Tarjetas de Crédito, Tarjetas de Débito), multiple savings account variants (Cuenta Simple 100% Digital, Cuenta Millonaria, Cuenta Súper Tasa, Cuenta Sueldo, Cuenta Joven), personal and mortgage lending (Préstamo Personal, Crédito Hipotecario, Adelanto de Sueldo), and insurance products. Digital-native offerings include the Plin peer-to-peer payment wallet, Erni digital mutual fund investing, Mis Finanzas personal financial management, and Alcancía Virtual savings goals. The ecosystem is complemented by investment products (Fondos Mutuos), promotional marketplace (Shopstar), and banking packages (Combo Clásico, Combo Fácil). WhatsApp AVI virtual assistant provides customer service, while Puntaje Crediticio enables self-service credit scoring.

Differentiator

Problem solved

Functional benefit

Brands

• Interbank APP: Mobile banking application for conducting financial operations from cellular devices
• Plin
• AVI
• Erni
• Shopstar
• GlobalNet
• CIMA

Products and services

• Interbank APP
• Tarjetas de Crédito Credit card products including standard, secured, and additional cards with various benefits and rewards programs for individual and SMB customers.
• Tarjetas de Débito Debit card offerings including Digital Debit, Benefit Debit, and Classic Debit variants linked to customer accounts.
• Cuenta Simple 100% Digital Fully digital savings account that can be opened online without requiring a physical branch visit, with no monthly fees.
• Cuenta Millonaria Savings account with competitive interest rates designed to help customers grow their savings.
• Cuenta Súper Tasa High-yield savings account offering premium interest rates for deposit balances.
• Cuenta Sueldo Salary account for payroll deposits, often with employer agreements and additional benefits.
• Cuenta Joven Savings account designed for young customers with age-appropriate features and benefits.
• Préstamo Personal Personal loan product for various customer needs with flexible terms and competitive rates.
• Adelanto de Sueldo Salary advance service allowing employees to access a portion of their earned salary before payday.
• Crédito Hipotecario Home mortgage loans including traditional mortgages, MiVivienda program, and Techo Propio options for home purchase and construction.
• Plin Digital wallet and peer-to-peer payment service enabling free, instant money transfers between banks in Peru.
• Seguros Insurance products including card protection, credit protection, health, oncology, vehicle, travel, and SOAT insurance.
• Fondos Mutuos Mutual fund investment products managed by Interbank for various risk profiles and investment objectives.
• Erni Digital investment tool for purchasing mutual funds through a simplified mobile interface.
• Banca por Internet Web-based online banking platform for managing accounts, payments, and financial operations via browser.
• WhatsApp AVI Virtual assistant available via WhatsApp for 24/7 customer service inquiries and basic banking operations.
• Combo Clásico Banking package combining credit card, account, and Interbank APP access with potential bundled benefits.
• Combo Fácil Simplified banking package combining an account with Interbank APP access.
• Shopstar E-commerce marketplace integrated with Interbank payments, allowing shopping with card and Plin.
• Retiro de Fondos PayPal Service allowing customers to transfer funds from their PayPal account to their Interbank account.
• Transferencias de otros bancos vía CCE Interbank transfer service allowing customers to send and receive transfers from other Peruvian banks via the CCE clearing system.
• Transferencias bancarias al exterior International bank transfer service for sending money from Peru to bank accounts abroad.
• Remesas Remittance service for receiving money from abroad into Interbank accounts.

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

AI capability1 record

Feature5 records

Partnerships

One partnership is on record.

• ShopstarminorOthersE-commerce marketplace platform integrated with Interbank for shopping promotions and payments. Listed under 'Respaldo Interbank' (Interbank backing) alongside CIMA, indicating affiliated business entities rather than formal partnerships.

Expansion highlights5 records

Direct peers

• BanBif (Banco Interamericano de Finanzas): Mid-sized Peruvian commercial bank offering retail, SMB, and corporate banking products. Direct competitor to Interbank, particularly in the SMB and middle-market segments.
• BBVA Perú: Second-largest Peruvian bank and a global brand, competing head-on with Interbank across deposits, credit cards, mortgages, and digital banking. Highly comparable business model with strong branch and digital footprint.
• Banco de Crédito del Perú (BCP): Peru's largest commercial bank, offering the same full suite of retail, SMB, and corporate banking products as Interbank. Most directly comparable peer given overlapping product catalog and customer segments in the Peruvian market.
• Banco Pichincha Perú: Peruvian subsidiary of Ecuadorian Banco Pichincha, offering retail and SMB banking. Directly comparable to Interbank in the consumer and small business segments.
• Scotiabank Perú: Top-tier Peruvian commercial bank with full retail and corporate banking services. Directly comparable in scale, product breadth, and customer base to Interbank.
• Banco Ripley Perú: Peruvian consumer bank affiliated with retail group Ripley, focused on credit cards and consumer lending. Directly comparable to Interbank's credit card and personal loan business, though narrower in scope.
• Mibanco: Peru's largest microfinance bank, part of the BCP group, focused on micro and small business lending. Comparable to Interbank's SMB and personal lending products but with a microfinance specialization.

Regional players

• Caja Municipal de Ahorro y Crédito de Arequipa: Peruvian municipal savings institution primarily serving the Arequipa region with deposits, loans, and payment services. Comparable to Interbank in product type but geographically narrower and more regionally focused.

Broad incumbents

• Banco de la Nación: Peruvian state-owned bank offering broad financial services including government payments, payroll, and retail banking. Operates as a broad incumbent with overlapping capabilities, though not a direct profit-maximizing competitor in all segments.

Emerging players

• Alfin Banco (Banco Falabella Perú): Peruvian consumer bank tied to the Falabella retail group, focused on store-branded credit cards and consumer credit. Emerging peer with partial overlap to Interbank's card and consumer lending franchises.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/interbank
• YouTubeyoutube.com/user/InterbankDigital
• Facebookfacebook.com/InterbankPeru
• Instagraminstagram.com/interbank
• LinkedInlinkedin.com/company/banco-internacional-del-peru---interbank

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries2 records

Funding overview

Funding rounds

Investors

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

M&A

Investments

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

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