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Interbank Cuenta Simple review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Interbank Cuenta Simple is a fully digital Peruvian savings account for people who want their money reachable at any moment and pay nothing to hold it: the annual fee is PEN 0 and the minimum deposit is PEN 0. The catch sits in the rate, which is 0% on a variable basis.

Key facts

Best for
A fee-free, always-on savings account for Peruvian customers who live from their phone.
Annual fee
PEN 0↗
Rewards type
None↗
Perks
100% digital, No maintenance fees, Free debit card↗
Card kind
Credit↗
Legal entity
Banco Internacional del Peru S.A.A.↗
Headquarters
Peru↗
Founded
1897↗
Support channels
Phone, Email, Help-centre↗
Pricing model
No annual fee
Official website
interbank.pe

Savings

Headline rate
0%↗
Rate type
Variable↗
Minimum deposit
PEN 0↗
Access terms
Free availability (easy access): money usable at any time and place from the Interbank App, with free unlimited withdrawals at Interbank agents and free instant Plin transfers↗
Monthly fee
PEN 0↗
Account kind
Easy access↗

Facts checked September 26, 2026, 7 sources

Apps and profiles

Get the app
Google Play
Elsewhere
WikidataWikipediaXLinkedIn

Pros and cons

Pros

  • The savings account carries an annual fee of PEN 0 and a monthly fee of PEN 0, under a no annual fee fee model.
  • No opening hurdle: the minimum deposit is PEN 0 and the account kind is easy access.
  • Cash access is free and unlimited at Interbank agents, with free instant Plin transfers from the app.
  • A free debit card sits among the stated 100% digital, No maintenance fees and Free debit card.

Cons

  • The headline rate is 0% and the rate type is variable, so a balance held here earns nothing.
  • The bundled card is a credit card with a rewards type of none, so card spending gives nothing back.
  • The account sits in PE under Banco Internacional del Peru S.A.A., which puts it outside the market most readers on this site compare in.
Interbank Cuenta Simple

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Scored 9.4 / 10 by SumCue.

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Who it suits

  • Peruvian savers who want a fully digital account they can reach from the app at any time, listed as easy access.
  • People who want a free debit card and no annual or monthly charge, with the annual fee at PEN 0.

Who should look elsewhere

  • Anyone chasing a return on savings, who should compare Wise instead, since the rate here is 0%.
  • Card-first shoppers, who may prefer Varo Believe Secured Credit Card at a $0 card annual fee, as the rewards here are none.

Rates and card terms

The savings side carries a headline rate of 0%, set as a variable rate that moves with the market instead of locking for a term. The account kind is easy access, so the balance is positioned for spending rather than for a fixed period. Against the savings listings on this site, where the median headline rate is 3%, the trade-off is clear: access now instead of a return later.

The company behind it

Interbank Cuenta Simple is issued by Banco Internacional del Peru S.A.A., headquartered in Peru and founded in 1897, which makes it one of the older banks a reader can still open an account with. Support runs on phone, email and help centre, and the account is run digitally through the Interbank App, so most of the relationship happens on a phone rather than at a counter.

How Interbank Cuenta Simple compares

Where Interbank Cuenta Simple is available

Available
Peru

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does it cost to keep the Cuenta Simple open?+

There is little to argue about on fees: the annual fee is PEN 0, the monthly fee is PEN 0, and the fee model is no annual fee. What the account gives up is the return on your balance, not a charge for holding it.

Is there a minimum deposit to open the account?+

The minimum deposit is PEN 0, so the account can be opened and funded without putting money in first. Once funded, the balance sits in an easy access account and can be drawn from the app or an Interbank agent.

What rate do I earn on the balance?+

The headline rate is 0% and the rate type is variable, so there is no term to lock and nothing to set against a fixed product. This is an easy access account, a group that covers 75.2% of the savings listings on this site.

How do I get at the money?+

Access is the selling point: money is usable at any time from the Interbank App, with free unlimited withdrawals at Interbank agents and free instant Plin transfers. The account is listed as easy access, which is the trade-off for a headline rate of 0%.

What card comes with the account?+

The account includes a free debit card, one of the stated 100% digital, No maintenance fees and Free debit card. The credit card in the same group is a credit card and its rewards type is none, so spending on it earns nothing back and the debit card is the one to use day to day.

How do I get help if something goes wrong?+

Support runs on phone, email and help centre, so help comes by phone, by email or through the help centre. Alongside the fully digital setup listed in 100% digital, No maintenance fees and Free debit card, that is enough for most everyday questions about transfers and the app.

How much fraud loss do the cards on this site see?+

The retail loss rate across the cards compared on this site is 70.15%. Fraud loss is a cross-cutting risk rather than one specific to Interbank, and the free debit card in 100% digital, No maintenance fees and Free debit card is the everyday card to keep an eye on.

Sources

Compiled from 7 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: APR, Currency conversion fee.

Related by the facts

Interbank Cuenta Simple

Interbank Cuenta Simple

A fee-free, always-on savings account for Peruvian customers who live from their phone.

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