Overview
- Employers must deposit the May–October 2025 CTS within the first 15 days of November, which effectively moves the cutoff to Friday, Nov. 14 because the 15th falls on a Saturday.
- Many accounts show the deposit first as a ledger balance and then convert to available funds within about 48 hours due to bank validations, and court orders such as child-support embargoes can also restrict access.
- BCP, Interbank and Scotiabank enable withdrawals through mobile and online banking or branches, though Interbank may require an employer authorization letter if the account is not set to free availability.
- Law No. 32322 permits withdrawal of 100% of CTS balances until Dec. 31, 2026, giving workers immediate liquidity once banks clear the funds.
- For this semester’s deposit, companies calculate CTS on monthly pay plus one-sixth of the July bonus, prorating by months worked, and Sunafil can fine late or missing deposits from S/ 2,407.50 up to S/ 139,742 depending on company size.