{"id":2996,"date":"2024-06-07T23:43:09","date_gmt":"2024-06-08T02:43:09","guid":{"rendered":"https:\/\/bluerabbitech.com\/?p=2996"},"modified":"2025-06-07T23:48:52","modified_gmt":"2025-06-08T02:48:52","slug":"2996-2","status":"publish","type":"post","link":"https:\/\/bluerabbitech.com\/en\/2996-2\/","title":{"rendered":"Step by step guide on how to check your CTS balance"},"content":{"rendered":"<p data-start=\"270\" data-end=\"635\">You know <strong data-start=\"280\" data-end=\"321\">how much has accumulated in your CTS balance<\/strong>? If you work in the private sector in Peru, this benefit is one of your greatest long-term financial protections.<\/p>\n<p data-start=\"270\" data-end=\"635\">But many workers do not check their balance regularly and end up missing out on opportunities such as <strong data-start=\"554\" data-end=\"581\">best interest rates<\/strong> or even not realizing it <strong data-start=\"610\" data-end=\"634\">incorrect deposits<\/strong>.<\/p>\n<p data-start=\"637\" data-end=\"866\">Therefore, in this article we will show <strong data-start=\"674\" data-end=\"706\">How to check your CTS balance<\/strong>, explain <strong data-start=\"717\" data-end=\"767\">why following this account is so important<\/strong> and teach you how you can even <strong data-start=\"797\" data-end=\"865\">transfer your balance to another bank that offers more advantages<\/strong>.<\/p>\n<p data-start=\"868\" data-end=\"931\">\ud83d\udc49 Read until the end and take control of your financial future!<\/p>\n<h2 data-start=\"938\" data-end=\"998\">\ud83d\udccc <strong data-start=\"944\" data-end=\"998\">What is CTS and Why Should You Monitor the Balance?<\/strong><\/h2>\n<p data-start=\"1000\" data-end=\"1236\">A <strong data-start=\"1002\" data-end=\"1044\">Compensation for Length of Service (CTS)<\/strong> is a <strong data-start=\"1050\" data-end=\"1093\">mandatory labor law in Peru<\/strong>, paid to formal workers in the private sector. The amount corresponds to approximately <strong data-start=\"1180\" data-end=\"1235\">an annual salary divided into two deposits per year<\/strong>:<\/p>\n<ul data-start=\"1238\" data-end=\"1271\">\n<li data-start=\"1238\" data-end=\"1253\">\n<p data-start=\"1240\" data-end=\"1253\">In <strong data-start=\"1243\" data-end=\"1251\">May<\/strong><\/p>\n<\/li>\n<li data-start=\"1254\" data-end=\"1271\">\n<p data-start=\"1256\" data-end=\"1271\">In <strong data-start=\"1259\" data-end=\"1271\">November<\/strong><\/p>\n<\/li>\n<\/ul>\n<p data-start=\"1273\" data-end=\"1554\">The purpose of CTS is to serve as a <strong data-start=\"1309\" data-end=\"1340\">financial safety net<\/strong> if the worker becomes unemployed or has a contract terminated. <strong data-start=\"1412\" data-end=\"1554\">But even if you are employed, you can monitor your CTS balance and ensure that the money is being correctly deposited and earning good interest.<\/strong><\/p>\n<h3 data-start=\"1556\" data-end=\"1590\">Why check the CTS balance?<\/h3>\n<ul data-start=\"1592\" data-end=\"1874\">\n<li data-start=\"1592\" data-end=\"1653\">\n<p data-start=\"1594\" data-end=\"1653\"><strong data-start=\"1594\" data-end=\"1653\">Check if the employer is depositing correctly<\/strong><\/p>\n<\/li>\n<li data-start=\"1654\" data-end=\"1702\">\n<p data-start=\"1656\" data-end=\"1702\"><strong data-start=\"1656\" data-end=\"1702\">Track interest generated by the CTS account<\/strong><\/p>\n<\/li>\n<li data-start=\"1703\" data-end=\"1804\">\n<p data-start=\"1705\" data-end=\"1804\"><strong data-start=\"1705\" data-end=\"1804\">Compare interest rates between banks and, if necessary, transfer to a more advantageous account<\/strong><\/p>\n<\/li>\n<li data-start=\"1805\" data-end=\"1874\">\n<p data-start=\"1807\" data-end=\"1874\"><strong data-start=\"1807\" data-end=\"1874\">Plan for future use of this resource as emergency savings<\/strong><\/p>\n<\/li>\n<\/ul>\n<h2 data-start=\"1881\" data-end=\"1948\">\ud83d\udee0\ufe0f <strong data-start=\"1888\" data-end=\"1948\">How to Check Your CTS Balance in Peru: 5 Simple Ways<\/strong><\/h2>\n<p data-start=\"1950\" data-end=\"2075\">Today, checking your CTS balance is much more practical thanks to digital platforms. See the <strong data-start=\"2041\" data-end=\"2074\">faster and safer ways<\/strong>:<\/p>\n<h3 data-start=\"2077\" data-end=\"2123\">1\ufe0f\u20e3 <strong data-start=\"2085\" data-end=\"2123\">Internet Banking (Online Consultation)<\/strong><\/h3>\n<p data-start=\"2125\" data-end=\"2185\">The most popular and accessible way to check your balance.<\/p>\n<p data-start=\"2187\" data-end=\"2198\"><strong data-start=\"2187\" data-end=\"2198\">Steps:<\/strong><\/p>\n<ol data-start=\"2200\" data-end=\"2594\">\n<li data-start=\"2200\" data-end=\"2438\">\n<p data-start=\"2203\" data-end=\"2438\">Access your bank&#039;s official website (example: <a class=\"\" href=\"https:\/\/www.viabcp.com\/\" target=\"_new\" rel=\"noopener\" data-start=\"2248\" data-end=\"2278\">BCP<\/a>, <a class=\"\" href=\"https:\/\/www.bbva.pe\/\" target=\"_new\" rel=\"noopener\" data-start=\"2280\" data-end=\"2308\">BBVA<\/a>, <a class=\"\" href=\"https:\/\/interbank.pe\/\" target=\"_new\" rel=\"noopener\" data-start=\"2310\" data-end=\"2344\">Interbank<\/a>, <a class=\"\" href=\"https:\/\/www.scotiabank.com.pe\/\" target=\"_new\" rel=\"noopener\" data-start=\"2346\" data-end=\"2390\">Scotiabank<\/a>, <a class=\"\" href=\"https:\/\/www.bn.com.pe\/\" target=\"_new\" rel=\"noopener\" data-start=\"2392\" data-end=\"2436\">Bank of the Nation<\/a>).<\/p>\n<\/li>\n<li data-start=\"2439\" data-end=\"2477\">\n<p data-start=\"2442\" data-end=\"2477\">Log in with your username and password.<\/p>\n<\/li>\n<li data-start=\"2478\" data-end=\"2522\">\n<p data-start=\"2481\" data-end=\"2522\">Go to the \u201c<strong data-start=\"2497\" data-end=\"2507\">Accounts<\/strong>\u201d or \u201c<strong data-start=\"2513\" data-end=\"2520\">CTS<\/strong>\u201c&quot;.<\/p>\n<\/li>\n<li data-start=\"2523\" data-end=\"2594\">\n<p data-start=\"2526\" data-end=\"2594\">View your available balance, accumulated interest and latest transactions.<\/p>\n<\/li>\n<\/ol>\n<p data-start=\"2596\" data-end=\"2700\"><strong data-start=\"2596\" data-end=\"2609\">SEO Tip:<\/strong> always prioritize accessing the website <strong data-start=\"2641\" data-end=\"2661\">bank officer<\/strong>, preventing unauthorized applications.<\/p>\n<h3 data-start=\"2707\" data-end=\"2744\">2\ufe0f\u20e3 <strong data-start=\"2715\" data-end=\"2744\">Bank Mobile App<\/strong><\/h3>\n<p data-start=\"2746\" data-end=\"2805\">Ideal for those who want to have the <strong data-start=\"2773\" data-end=\"2804\">CTS balance always on your cell phone<\/strong>.<\/p>\n<p data-start=\"2807\" data-end=\"2818\"><strong data-start=\"2807\" data-end=\"2818\">Steps:<\/strong><\/p>\n<ol data-start=\"2820\" data-end=\"3071\">\n<li data-start=\"2820\" data-end=\"2955\">\n<p data-start=\"2823\" data-end=\"2955\">Download your bank&#039;s official app (available for <a class=\"\" href=\"https:\/\/play.google.com\/store\" target=\"_new\" rel=\"noopener\" data-start=\"2880\" data-end=\"2920\">Android<\/a> It is <a class=\"\" href=\"https:\/\/apps.apple.com\/\" target=\"_new\" rel=\"noopener\" data-start=\"2923\" data-end=\"2953\">iOS<\/a>).<\/p>\n<\/li>\n<li data-start=\"2956\" data-end=\"2985\">\n<p data-start=\"2959\" data-end=\"2985\">Log in with your details.<\/p>\n<\/li>\n<li data-start=\"2986\" data-end=\"3038\">\n<p data-start=\"2989\" data-end=\"3038\">In the area of \u201c<strong data-start=\"3001\" data-end=\"3011\">Accounts<\/strong>\u201c, select your CTS account.<\/p>\n<\/li>\n<li data-start=\"3039\" data-end=\"3071\">\n<p data-start=\"3042\" data-end=\"3071\">View balance and interest.<\/p>\n<\/li>\n<\/ol>\n<p data-start=\"3073\" data-end=\"3160\"><strong data-start=\"3073\" data-end=\"3086\">Advantage:<\/strong> the app usually provides notifications whenever a CTS deposit is made.<\/p>\n<h3 data-start=\"3167\" data-end=\"3195\">3\ufe0f\u20e3 <strong data-start=\"3175\" data-end=\"3195\">ATM<\/strong><\/h3>\n<p data-start=\"3197\" data-end=\"3283\">If you don&#039;t use the app or internet banking, you can still check in person.<\/p>\n<p data-start=\"3285\" data-end=\"3296\"><strong data-start=\"3285\" data-end=\"3296\">Steps:<\/strong><\/p>\n<ol data-start=\"3298\" data-end=\"3497\">\n<li data-start=\"3298\" data-end=\"3367\">\n<p data-start=\"3301\" data-end=\"3367\">Insert your debit card (related to the account where you receive CTS).<\/p>\n<\/li>\n<li data-start=\"3368\" data-end=\"3388\">\n<p data-start=\"3371\" data-end=\"3388\">Enter your password.<\/p>\n<\/li>\n<li data-start=\"3389\" data-end=\"3422\">\n<p data-start=\"3392\" data-end=\"3422\">Choice &quot;<strong data-start=\"3401\" data-end=\"3420\">Check balance<\/strong>\u201c&quot;.<\/p>\n<\/li>\n<li data-start=\"3423\" data-end=\"3497\">\n<p data-start=\"3426\" data-end=\"3497\">Select \u201c<strong data-start=\"3437\" data-end=\"3450\">CTS Account<\/strong>\u201d and view it on the screen or print the receipt.<\/p>\n<\/li>\n<\/ol>\n<h3 data-start=\"3504\" data-end=\"3549\">4\ufe0f\u20e3 <strong data-start=\"3512\" data-end=\"3549\">Telephone Service Center<\/strong><\/h3>\n<p data-start=\"3551\" data-end=\"3618\">An alternative is to call your bank&#039;s customer service department.<\/p>\n<p data-start=\"3620\" data-end=\"3631\"><strong data-start=\"3620\" data-end=\"3631\">Steps:<\/strong><\/p>\n<ol data-start=\"3633\" data-end=\"3892\">\n<li data-start=\"3633\" data-end=\"3741\">\n<p data-start=\"3636\" data-end=\"3741\">Call your bank&#039;s official customer service number (e.g.: <strong data-start=\"3698\" data-end=\"3705\">BCP<\/strong> 311-9898, <strong data-start=\"3716\" data-end=\"3724\">BBVA<\/strong> 595-0000, etc.).<\/p>\n<\/li>\n<li data-start=\"3742\" data-end=\"3796\">\n<p data-start=\"3745\" data-end=\"3796\">Choose the option \u201c<strong data-start=\"3762\" data-end=\"3794\">check CTS account balance<\/strong>\u201c&quot;.<\/p>\n<\/li>\n<li data-start=\"3797\" data-end=\"3853\">\n<p data-start=\"3800\" data-end=\"3853\">Enter your account number and identification data.<\/p>\n<\/li>\n<li data-start=\"3854\" data-end=\"3892\">\n<p data-start=\"3857\" data-end=\"3892\">Receive information via telephone.<\/p>\n<\/li>\n<\/ol>\n<h3 data-start=\"3899\" data-end=\"3941\">5\ufe0f\u20e3 <strong data-start=\"3907\" data-end=\"3941\">In-Person Consultation at the Agency<\/strong><\/h3>\n<p data-start=\"3943\" data-end=\"4017\">If you need to resolve issues or want personalized service.<\/p>\n<p data-start=\"4019\" data-end=\"4035\"><strong data-start=\"4019\" data-end=\"4035\">What to bring:<\/strong><\/p>\n<ul data-start=\"4037\" data-end=\"4116\">\n<li data-start=\"4037\" data-end=\"4068\">\n<p data-start=\"4039\" data-end=\"4068\">Identity document (DNI)<\/p>\n<\/li>\n<li data-start=\"4069\" data-end=\"4085\">\n<p data-start=\"4071\" data-end=\"4085\">Account details<\/p>\n<\/li>\n<li data-start=\"4086\" data-end=\"4116\">\n<p data-start=\"4088\" data-end=\"4116\">Customer number (if applicable)<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"4118\" data-end=\"4177\">Ask the attendant directly to check your CTS balance.<\/p>\n<h2 data-start=\"4184\" data-end=\"4249\">\ud83d\udd04 <strong data-start=\"4190\" data-end=\"4249\">Can I Transfer My CTS to a Bank with a Better Rate?<\/strong><\/h2>\n<p data-start=\"4251\" data-end=\"4288\"><strong data-start=\"4251\" data-end=\"4259\">Yes!<\/strong> This is guaranteed by law.<\/p>\n<h3 data-start=\"4290\" data-end=\"4325\">Steps to transfer your CTS:<\/h3>\n<ol data-start=\"4327\" data-end=\"4745\">\n<li data-start=\"4327\" data-end=\"4528\">\n<p data-start=\"4330\" data-end=\"4528\"><strong data-start=\"4330\" data-end=\"4390\">Search for banks that offer the best CTS interest rate<\/strong> (the rate ranking is updated periodically by the portal <a class=\"cursor-pointer\" target=\"_new\" rel=\"noopener\" data-start=\"4454\" data-end=\"4526\">SBS \u2013 Superintendence of Banking, Insurance and AFP<\/a>).<\/p>\n<\/li>\n<li data-start=\"4529\" data-end=\"4575\">\n<p data-start=\"4532\" data-end=\"4575\">Open a new CTS account at your chosen bank.<\/p>\n<\/li>\n<li data-start=\"4576\" data-end=\"4671\">\n<p data-start=\"4579\" data-end=\"4671\">Request in writing that your employer direct future deposits to the new account.<\/p>\n<\/li>\n<li data-start=\"4672\" data-end=\"4745\">\n<p data-start=\"4675\" data-end=\"4745\">Request a transfer of the current balance from the old account to the new account.<\/p>\n<\/li>\n<\/ol>\n<p data-start=\"4747\" data-end=\"4927\">\ud83d\udc49 <strong data-start=\"4750\" data-end=\"4765\">Important:<\/strong> you can consult the <strong data-start=\"4789\" data-end=\"4821\">best rates for CTS here<\/strong>: <a class=\"cursor-pointer\" target=\"_new\" rel=\"noopener\" data-start=\"4823\" data-end=\"4927\">CTS \u2013 SBS rate ranking<\/a><\/p>\n<h2 data-start=\"4934\" data-end=\"4983\">\ud83d\udca1 <strong data-start=\"4940\" data-end=\"4983\">Extra Tips for Managing Your CTS Well<\/strong><\/h2>\n<ul data-start=\"4985\" data-end=\"5364\">\n<li data-start=\"4985\" data-end=\"5099\">\n<p data-start=\"4987\" data-end=\"5099\"><strong data-start=\"4987\" data-end=\"5035\">Check your balance at least every 2 months<\/strong>, especially after the deposit periods (May and November).<\/p>\n<\/li>\n<li data-start=\"5100\" data-end=\"5157\">\n<p data-start=\"5102\" data-end=\"5157\">Compare interest rates between banks regularly.<\/p>\n<\/li>\n<li data-start=\"5158\" data-end=\"5280\">\n<p data-start=\"5160\" data-end=\"5280\">If possible, choose a bank that offers <strong data-start=\"5202\" data-end=\"5249\">monthly or quarterly interest capitalization<\/strong> (this increases your income).<\/p>\n<\/li>\n<li data-start=\"5281\" data-end=\"5364\">\n<p data-start=\"5283\" data-end=\"5364\">Never use CTS for impulsive consumption \u2014 keep it as <strong data-start=\"5338\" data-end=\"5363\">emergency reserve<\/strong>.<\/p>\n<\/li>\n<\/ul>\n<h2 data-start=\"5371\" data-end=\"5389\">\u2705 <strong data-start=\"5376\" data-end=\"5389\">Conclusion<\/strong><\/h2>\n<p data-start=\"5391\" data-end=\"5666\">To know <strong data-start=\"5397\" data-end=\"5437\">How to check your CTS balance in Peru<\/strong> It\u2019s a simple practice that every worker should adopt. With the various online and offline options, you can control your deposits, ensure that you are receiving the correct amount and seek the best conditions for your money.<\/p>\n<p data-start=\"5668\" data-end=\"5821\">Remember: <strong data-start=\"5679\" data-end=\"5804\">The CTS is not just a labor right, but one of the safest and most advantageous savings instruments you have.<\/strong> Enjoy it!<\/p>\n<p data-start=\"5823\" data-end=\"5939\">\ud83d\udc49 If you haven&#039;t checked your balance this semester, go to your bank now and check it! Your future self will thank you. \ud83d\ude80<\/p>","protected":false},"excerpt":{"rendered":"<p>Do you know how much you have accumulated in your CTS balance? If you work in the private sector in Peru, this benefit is one of your greatest protections\u2026<\/p>","protected":false},"author":1,"featured_media":3000,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[24],"tags":[1415,1414,1412,1418,1416,1419,1100,1413,1420,1417],"class_list":["post-2996","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-informacoes","tag-bancosperu","tag-consultacts","tag-ctsperu","tag-dicasfinanceiras","tag-educacaofinanceira","tag-pouparcts","tag-rendaextra","tag-saldocts","tag-segurancafinanceira","tag-trabalhadorperuano"],"_links":{"self":[{"href":"https:\/\/bluerabbitech.com\/en\/wp-json\/wp\/v2\/posts\/2996","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bluerabbitech.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bluerabbitech.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bluerabbitech.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/bluerabbitech.com\/en\/wp-json\/wp\/v2\/comments?post=2996"}],"version-history":[{"count":4,"href":"https:\/\/bluerabbitech.com\/en\/wp-json\/wp\/v2\/posts\/2996\/revisions"}],"predecessor-version":[{"id":3002,"href":"https:\/\/bluerabbitech.com\/en\/wp-json\/wp\/v2\/posts\/2996\/revisions\/3002"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bluerabbitech.com\/en\/wp-json\/wp\/v2\/media\/3000"}],"wp:attachment":[{"href":"https:\/\/bluerabbitech.com\/en\/wp-json\/wp\/v2\/media?parent=2996"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bluerabbitech.com\/en\/wp-json\/wp\/v2\/categories?post=2996"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bluerabbitech.com\/en\/wp-json\/wp\/v2\/tags?post=2996"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}