We guide Peruvian companies, international subsidiaries, and foreign directors through compliance, documentation, and corporate bank onboarding with leading Peruvian financial institutions.
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Opening a corporate bank account in Peru requires navigating the regulatory standards of the Superintendencia de Banca, Seguros y AFP (SBS) and the tax authority (SUNAT). As a specialized corporate service provider and intermediary, we do not operate as a financial institution; instead, we assemble your corporate dossier, verify compliance, and liaison directly with compliance officers at commercial banks across Peru.
All onboarding decisions, documentation requirements, and turnaround times depend on provider compliance reviews. We cannot guarantee account approval or remote execution.
| Provider | Non Resident Accepted | Remote Onboarding | Local Address Company Requirements | Typical Timeline |
|---|---|---|---|---|
| Banco de Crédito del Perú (BCP) | Yes, if company is incorporated in Peru and legal representative has valid powers | No (requires physical signature or in-country legal representative) | Active RUC with SUNAT, Peruvian fiscal address, and SUNARP Vigencia de Poder | 3 to 6 weeks (subject to compliance review) |
| BBVA Perú | Yes, subject to enhanced due diligence on foreign ultimate beneficial owners (UBOs) | Needs provider confirmation (pre-screening can be remote; signing typically in-person) | Registered Peruvian legal entity, local tax address, certified company bylaws | 4 to 7 weeks |
| Interbank | Yes, with standard foreign ownership compliance clearance | Needs provider confirmation (hybrid verification sometimes available for select entities) | Active Peruvian RUC, SUNARP registration, local legal representative | 3 to 5 weeks |
| Scotiabank Perú | Yes, particularly for subsidiaries of international corporate groups | No (requires in-person document execution by local legal representative) | Peruvian incorporated entity, registered office, full constitutional documentation | 4 to 8 weeks |
| Global66 Business | Needs provider confirmation (depends on legal entity location and director residency) | Yes (digital verification process) | Peruvian RUC or eligible regional corporate registration depending on account tier | 5 to 10 business days |
Foreign entrepreneurs establishing a Sociedad Anónima Cerrada (S.A.C.) or Sociedad de Responsabilidad Limitada (S.R.L.) in Peru.
International businesses expanding into South America needing local accounts to pay suppliers, staff, and taxes in Soles (PEN) and USD.
Companies with non-resident directors needing assistance navigating Peruvian consular legalizations, Apostilles, and SUNARP registrations.
Cross-border e-commerce and logistics companies processing payments locally through SUNAT-compliant structures.
Individuals seeking personal bank accounts or non-commercial retail accounts.
Entities without verifiable corporate records, legitimate business activities, or identifiable ultimate beneficial owners.
Businesses in prohibited sectors such as unregulated gambling, non-compliant crypto assets, or high-risk shell companies.
Founders expecting guaranteed account approval or instantaneous same-day remote account openings in Peru without compliance review.
A bank account in Peru cannot be opened without a legally incorporated entity possessing an active Tax Identification Number (RUC) issued by SUNAT and a formal registration in the Public Registry (SUNARP). Whether you plan to establish a Sociedad Anónima Cerrada (S.A.C.), a Sociedad Comercial de Responsabilidad Limitada (S.R.L.), or a branch of an overseas company (Sucursal), we can handle your incorporation from start to finish.
We analyze your ownership structure, director residency, line of business, and operational currencies to select the viable Peruvian banks or digital solutions.
We review and compile your constitutional deed (Escritura Pública), Vigencia de Poder, SUNAT Ficha RUC, and any necessary Hague Apostilles for foreign director passports.
We submit your application package to the selected bank's compliance division, handling inquiries regarding your source of funds, business model, and operational volume.
Upon bank approval, the legal representative completes signature collection or digital verification. You receive your account numbers (CCI), multi-currency access, and online banking credentials.
Under Peruvian commercial law, foreign individuals and international corporations are permitted to own 100% of the shares in a Peruvian company. However, the legal framework enforced by the SBS and commercial banks requires every Peruvian company to appoint a designated legal representative (Representante Legal) who holds legal powers registered in SUNARP. If you are a non-resident founder residing outside Peru, your company must have a legal representative who possesses legal status to sign on the bank's account contracts in Peru (either a Peruvian citizen or a foreigner with a valid Carné de Extranjería or specific power of attorney). We help international founders understand these requirements, avoid common compliance delays, and bridge the gap between foreign ownership and domestic banking regulations.
Supporting founders from over 50+ countries.
A Delaware LLC expanding software sales into Lima required a local subsidiary (S.A.C.) to invoice local enterprises in Soles. We prepared their corporate banking dossier and coordinated compliance with BBVA Perú.
A Spanish agricultural equipment exporter established a local presence in Peru. We guided the foreign directors through Apostille requirements for their parent company documents to satisfy BCP's compliance standards.
A Colombian e-commerce brand operating across the Andean Community expanded into Peru. We assisted them in opening dual-currency accounts in PEN and USD with Interbank.
A Hong Kong-based manufacturing business supplying mining operations in southern Peru needed accounts to receive domestic wires. We assisted their local representative in navigating onboarding procedures with Scotiabank Perú.
Everything you need to know about opening a corporate business bank account in Peru.
