{"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\/hr\/2996-2\/","title":{"rendered":"Detaljan vodi\u010d o tome kako provjeriti stanje na va\u0161em CTS ra\u010dunu."},"content":{"rendered":"<p data-start=\"270\" data-end=\"635\">Voc\u00ea sabe <strong data-start=\"280\" data-end=\"321\">quanto tem acumulado no seu saldo CTS<\/strong>? Se voc\u00ea trabalha no setor privado no Peru, esse benef\u00edcio \u00e9 uma das suas maiores prote\u00e7\u00f5es financeiras a longo prazo<\/p>\n<p data-start=\"270\" data-end=\"635\">Mas muitos trabalhadores n\u00e3o conferem seu saldo regularmente e acabam deixando de aproveitar oportunidades como <strong data-start=\"554\" data-end=\"581\">melhores taxas de juros<\/strong> ou at\u00e9 mesmo n\u00e3o percebendo <strong data-start=\"610\" data-end=\"634\">dep\u00f3sitos incorretos<\/strong>.<\/p>\n<p data-start=\"637\" data-end=\"866\">Por isso, neste artigo vamos mostrar <strong data-start=\"674\" data-end=\"706\">como consultar seu saldo CTS<\/strong>, explicar <strong data-start=\"717\" data-end=\"767\">por que acompanhar essa conta \u00e9 t\u00e3o importante<\/strong> e ensinar como voc\u00ea pode at\u00e9 <strong data-start=\"797\" data-end=\"865\">transferir seu saldo para outro banco que ofere\u00e7a mais vantagens<\/strong>.<\/p>\n<p data-start=\"868\" data-end=\"931\">\ud83d\udc49 Leia at\u00e9 o fim e fique no controle do seu futuro financeiro!<\/p>\n<h2 data-start=\"938\" data-end=\"998\">\ud83d\udccc <strong data-start=\"944\" data-end=\"998\">O Que \u00e9 CTS e Por Que Voc\u00ea Deve Monitorar o Saldo?<\/strong><\/h2>\n<p data-start=\"1000\" data-end=\"1236\">THE <strong data-start=\"1002\" data-end=\"1044\">Compensa\u00e7\u00e3o por Tempo de Servi\u00e7o (CTS)<\/strong> to je <strong data-start=\"1050\" data-end=\"1093\">direito trabalhista obrigat\u00f3rio no Peru<\/strong>, pago a trabalhadores formais do setor privado. O valor corresponde a aproximadamente <strong data-start=\"1180\" data-end=\"1235\">um sal\u00e1rio anual dividido em dois dep\u00f3sitos por ano<\/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\">U <strong data-start=\"1243\" data-end=\"1251\">maio<\/strong><\/p>\n<\/li>\n<li data-start=\"1254\" data-end=\"1271\">\n<p data-start=\"1256\" data-end=\"1271\">U <strong data-start=\"1259\" data-end=\"1271\">novembro<\/strong><\/p>\n<\/li>\n<\/ul>\n<p data-start=\"1273\" data-end=\"1554\">O objetivo da CTS \u00e9 servir como uma <strong data-start=\"1309\" data-end=\"1340\">rede de prote\u00e7\u00e3o financeira<\/strong> caso o trabalhador fique desempregado ou tenha um t\u00e9rmino de contrato. <strong data-start=\"1412\" data-end=\"1554\">Mas mesmo empregado, voc\u00ea pode monitorar seu saldo CTS e garantir que o dinheiro est\u00e1 sendo corretamente depositado e rendendo bons juros.<\/strong><\/p>\n<h3 data-start=\"1556\" data-end=\"1590\">Por que consultar o saldo CTS?<\/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\">Verificar se o empregador est\u00e1 depositando corretamente<\/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\">Acompanhar os juros gerados pela conta CTS<\/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\">Comparar taxas de juros entre bancos e, se necess\u00e1rio, transferir para uma conta mais vantajosa<\/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\">Planejar o uso futuro desse recurso como poupan\u00e7a de emerg\u00eancia<\/strong><\/p>\n<\/li>\n<\/ul>\n<h2 data-start=\"1881\" data-end=\"1948\">\ud83d\udee0\ufe0f <strong data-start=\"1888\" data-end=\"1948\">Como Consultar seu Saldo CTS no Peru: 5 Maneiras Simples<\/strong><\/h2>\n<p data-start=\"1950\" data-end=\"2075\">Hoje, consultar seu saldo CTS \u00e9 muito mais pr\u00e1tico gra\u00e7as \u00e0s plataformas digitais. Veja as <strong data-start=\"2041\" data-end=\"2074\">formas mais r\u00e1pidas e seguras<\/strong>:<\/p>\n<h3 data-start=\"2077\" data-end=\"2123\">1\ufe0f\u20e3 <strong data-start=\"2085\" data-end=\"2123\">Internet Banking (Consulta Online)<\/strong><\/h3>\n<p data-start=\"2125\" data-end=\"2185\">A maneira mais popular e acess\u00edvel para consultar seu saldo.<\/p>\n<p data-start=\"2187\" data-end=\"2198\"><strong data-start=\"2187\" data-end=\"2198\">Koraci:<\/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\">Acesse o site oficial do seu banco (exemplo: <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\">Banco de la Naci\u00f3n<\/a>).<\/p>\n<\/li>\n<li data-start=\"2439\" data-end=\"2477\">\n<p data-start=\"2442\" data-end=\"2477\">Fa\u00e7a login com seu usu\u00e1rio e senha.<\/p>\n<\/li>\n<li data-start=\"2478\" data-end=\"2522\">\n<p data-start=\"2481\" data-end=\"2522\">V\u00e1 at\u00e9 a se\u00e7\u00e3o &#8220;<strong data-start=\"2497\" data-end=\"2507\">Contas<\/strong>\u201d&quot; ili &quot;\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\">Visualize o saldo dispon\u00edvel, juros acumulados e \u00faltimos movimentos.<\/p>\n<\/li>\n<\/ol>\n<p data-start=\"2596\" data-end=\"2700\"><strong data-start=\"2596\" data-end=\"2609\">Dica SEO:<\/strong> sempre priorize acessar o site <strong data-start=\"2641\" data-end=\"2661\">oficial do banco<\/strong>, evitando aplicativos n\u00e3o autorizados.<\/p>\n<h3 data-start=\"2707\" data-end=\"2744\">2\ufe0f\u20e3 <strong data-start=\"2715\" data-end=\"2744\">Aplicativo M\u00f3vel do Banco<\/strong><\/h3>\n<p data-start=\"2746\" data-end=\"2805\">Ideal para quem quer ter o <strong data-start=\"2773\" data-end=\"2804\">saldo CTS sempre no celular<\/strong>.<\/p>\n<p data-start=\"2807\" data-end=\"2818\"><strong data-start=\"2807\" data-end=\"2818\">Koraci:<\/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\">Baixe o aplicativo oficial do seu banco (dispon\u00edvel para <a class=\"\" href=\"https:\/\/play.google.com\/store\" target=\"_new\" rel=\"noopener\" data-start=\"2880\" data-end=\"2920\">Android<\/a> i <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\">Fa\u00e7a login com seus dados.<\/p>\n<\/li>\n<li data-start=\"2986\" data-end=\"3038\">\n<p data-start=\"2989\" data-end=\"3038\">Na \u00e1rea de &#8220;<strong data-start=\"3001\" data-end=\"3011\">Contas<\/strong>&#8220;, selecione sua conta CTS.<\/p>\n<\/li>\n<li data-start=\"3039\" data-end=\"3071\">\n<p data-start=\"3042\" data-end=\"3071\">Visualize o saldo e os juros.<\/p>\n<\/li>\n<\/ol>\n<p data-start=\"3073\" data-end=\"3160\"><strong data-start=\"3073\" data-end=\"3086\">Vantagem:<\/strong> o app geralmente oferece notifica\u00e7\u00f5es sempre que um dep\u00f3sito CTS \u00e9 feito.<\/p>\n<h3 data-start=\"3167\" data-end=\"3195\">3\ufe0f\u20e3 <strong data-start=\"3175\" data-end=\"3195\">Caixa Eletr\u00f4nico<\/strong><\/h3>\n<p data-start=\"3197\" data-end=\"3283\">Se voc\u00ea n\u00e3o usa o app ou internet banking, ainda \u00e9 poss\u00edvel consultar presencialmente.<\/p>\n<p data-start=\"3285\" data-end=\"3296\"><strong data-start=\"3285\" data-end=\"3296\">Koraci:<\/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\">Insira seu cart\u00e3o de d\u00e9bito (relacionado \u00e0 conta onde recebe CTS).<\/p>\n<\/li>\n<li data-start=\"3368\" data-end=\"3388\">\n<p data-start=\"3371\" data-end=\"3388\">Digite sua senha.<\/p>\n<\/li>\n<li data-start=\"3389\" data-end=\"3422\">\n<p data-start=\"3392\" data-end=\"3422\">Escolha &#8220;<strong data-start=\"3401\" data-end=\"3420\">Consultar saldo<\/strong>\u201c&quot;.<\/p>\n<\/li>\n<li data-start=\"3423\" data-end=\"3497\">\n<p data-start=\"3426\" data-end=\"3497\">Selecione &#8220;<strong data-start=\"3437\" data-end=\"3450\">Conta CTS<\/strong>&#8221; e visualize na tela ou imprima o comprovante.<\/p>\n<\/li>\n<\/ol>\n<h3 data-start=\"3504\" data-end=\"3549\">4\ufe0f\u20e3 <strong data-start=\"3512\" data-end=\"3549\">Central de Atendimento Telef\u00f4nico<\/strong><\/h3>\n<p data-start=\"3551\" data-end=\"3618\">Uma alternativa \u00e9 ligar para o servi\u00e7o de atendimento do seu banco.<\/p>\n<p data-start=\"3620\" data-end=\"3631\"><strong data-start=\"3620\" data-end=\"3631\">Koraci:<\/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\">Ligue para o n\u00famero oficial de atendimento do seu banco (ex.: <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\">Escolha a op\u00e7\u00e3o &#8220;<strong data-start=\"3762\" data-end=\"3794\">consultar saldo de conta CTS<\/strong>\u201c&quot;.<\/p>\n<\/li>\n<li data-start=\"3797\" data-end=\"3853\">\n<p data-start=\"3800\" data-end=\"3853\">Informe seu n\u00famero de conta e dados de identifica\u00e7\u00e3o.<\/p>\n<\/li>\n<li data-start=\"3854\" data-end=\"3892\">\n<p data-start=\"3857\" data-end=\"3892\">Receba as informa\u00e7\u00f5es via telefone.<\/p>\n<\/li>\n<\/ol>\n<h3 data-start=\"3899\" data-end=\"3941\">5\ufe0f\u20e3 <strong data-start=\"3907\" data-end=\"3941\">Consulta Presencial em Ag\u00eancia<\/strong><\/h3>\n<p data-start=\"3943\" data-end=\"4017\">Caso voc\u00ea precise resolver pend\u00eancias ou queira atendimento personalizado.<\/p>\n<p data-start=\"4019\" data-end=\"4035\"><strong data-start=\"4019\" data-end=\"4035\">O que levar:<\/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\">Documento de identidade (DNI)<\/p>\n<\/li>\n<li data-start=\"4069\" data-end=\"4085\">\n<p data-start=\"4071\" data-end=\"4085\">Dados da conta<\/p>\n<\/li>\n<li data-start=\"4086\" data-end=\"4116\">\n<p data-start=\"4088\" data-end=\"4116\">N\u00famero de cliente (se tiver)<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"4118\" data-end=\"4177\">Pe\u00e7a diretamente ao atendente para consultar seu saldo CTS.<\/p>\n<h2 data-start=\"4184\" data-end=\"4249\">\ud83d\udd04 <strong data-start=\"4190\" data-end=\"4249\">Posso Transferir Meu CTS para um Banco com Taxa Melhor?<\/strong><\/h2>\n<p data-start=\"4251\" data-end=\"4288\"><strong data-start=\"4251\" data-end=\"4259\">Sim!<\/strong> Isso est\u00e1 garantido por lei.<\/p>\n<h3 data-start=\"4290\" data-end=\"4325\">Passos para transferir seu 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\">Pesquise os bancos que oferecem melhor taxa de juros CTS<\/strong> (o ranking de taxas \u00e9 atualizado periodicamente pelo portal da <a class=\"cursor-pointer\" target=\"_new\" rel=\"noopener\" data-start=\"4454\" data-end=\"4526\">SBS &#8211; Superintend\u00eancia de Banca, Seguros y AFP<\/a>).<\/p>\n<\/li>\n<li data-start=\"4529\" data-end=\"4575\">\n<p data-start=\"4532\" data-end=\"4575\">Abra uma nova conta CTS no banco escolhido.<\/p>\n<\/li>\n<li data-start=\"4576\" data-end=\"4671\">\n<p data-start=\"4579\" data-end=\"4671\">Solicite por escrito ao seu empregador que direcione os futuros dep\u00f3sitos para a nova conta.<\/p>\n<\/li>\n<li data-start=\"4672\" data-end=\"4745\">\n<p data-start=\"4675\" data-end=\"4745\">Pe\u00e7a a transfer\u00eancia do saldo atual da conta antiga para a nova conta.<\/p>\n<\/li>\n<\/ol>\n<p data-start=\"4747\" data-end=\"4927\">\ud83d\udc49 <strong data-start=\"4750\" data-end=\"4765\">Va\u017eno:<\/strong> voc\u00ea pode consultar as <strong data-start=\"4789\" data-end=\"4821\">melhores taxas para CTS aqui<\/strong>: <a class=\"cursor-pointer\" target=\"_new\" rel=\"noopener\" data-start=\"4823\" data-end=\"4927\">Ranking de tasas CTS &#8211; SBS<\/a><\/p>\n<h2 data-start=\"4934\" data-end=\"4983\">\ud83d\udca1 <strong data-start=\"4940\" data-end=\"4983\">Dicas Extras para Gerenciar Bem Seu CTS<\/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\">Consulte seu saldo pelo menos a cada 2 meses<\/strong>, principalmente ap\u00f3s os per\u00edodos de dep\u00f3sito (maio e novembro).<\/p>\n<\/li>\n<li data-start=\"5100\" data-end=\"5157\">\n<p data-start=\"5102\" data-end=\"5157\">Compare regularmente as taxas de juros entre os bancos.<\/p>\n<\/li>\n<li data-start=\"5158\" data-end=\"5280\">\n<p data-start=\"5160\" data-end=\"5280\">Se poss\u00edvel, escolha um banco que ofere\u00e7a <strong data-start=\"5202\" data-end=\"5249\">capitaliza\u00e7\u00e3o de juros mensal ou trimestral<\/strong> (isso aumenta seu rendimento).<\/p>\n<\/li>\n<li data-start=\"5281\" data-end=\"5364\">\n<p data-start=\"5283\" data-end=\"5364\">Nunca use o CTS para consumo impulsivo \u2014 mantenha como <strong data-start=\"5338\" data-end=\"5363\">reserva de emerg\u00eancia<\/strong>.<\/p>\n<\/li>\n<\/ul>\n<h2 data-start=\"5371\" data-end=\"5389\">\u2705 <strong data-start=\"5376\" data-end=\"5389\">Zaklju\u010dak<\/strong><\/h2>\n<p data-start=\"5391\" data-end=\"5666\">Saber <strong data-start=\"5397\" data-end=\"5437\">como consultar seu saldo CTS no Peru<\/strong> \u00e9 uma pr\u00e1tica simples que todo trabalhador deveria adotar. Com as diversas op\u00e7\u00f5es online e offline, voc\u00ea pode controlar seus dep\u00f3sitos, garantir que est\u00e1 recebendo corretamente e buscar as melhores condi\u00e7\u00f5es para o seu dinheiro.<\/p>\n<p data-start=\"5668\" data-end=\"5821\">Lembre-se: <strong data-start=\"5679\" data-end=\"5804\">o CTS n\u00e3o \u00e9 apenas um direito trabalhista, mas um dos instrumentos de poupan\u00e7a mais seguros e vantajosos que voc\u00ea possui.<\/strong> Aproveite-o bem!<\/p>\n<p data-start=\"5823\" data-end=\"5939\">\ud83d\udc49 Se ainda n\u00e3o conferiu seu saldo neste semestre, acesse j\u00e1 seu banco e fa\u00e7a a verifica\u00e7\u00e3o! Seu futuro agradece. \ud83d\ude80<\/p>","protected":false},"excerpt":{"rendered":"<p>Voc\u00ea sabe quanto tem acumulado no seu saldo CTS? Se voc\u00ea trabalha no setor privado no Peru, esse benef\u00edcio \u00e9 uma das suas maiores prote\u00e7\u00f5es&#8230;<\/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\/hr\/wp-json\/wp\/v2\/posts\/2996","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bluerabbitech.com\/hr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bluerabbitech.com\/hr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bluerabbitech.com\/hr\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/bluerabbitech.com\/hr\/wp-json\/wp\/v2\/comments?post=2996"}],"version-history":[{"count":4,"href":"https:\/\/bluerabbitech.com\/hr\/wp-json\/wp\/v2\/posts\/2996\/revisions"}],"predecessor-version":[{"id":3002,"href":"https:\/\/bluerabbitech.com\/hr\/wp-json\/wp\/v2\/posts\/2996\/revisions\/3002"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bluerabbitech.com\/hr\/wp-json\/wp\/v2\/media\/3000"}],"wp:attachment":[{"href":"https:\/\/bluerabbitech.com\/hr\/wp-json\/wp\/v2\/media?parent=2996"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bluerabbitech.com\/hr\/wp-json\/wp\/v2\/categories?post=2996"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bluerabbitech.com\/hr\/wp-json\/wp\/v2\/tags?post=2996"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}