Overview
- A new law, Ley N.º 32322, lets workers withdraw 100% of their accumulated CTS balance through December 31, 2026, without leaving their jobs.
- Employers must still deposit CTS for the May–October 2026 period by Monday, November 16, and SUNAFIL can fine companies that miss or delay the payment.
- For full‑semester employees under the general regime the November deposit is roughly 58% of one monthly salary because it includes a sixth of July’s gratificación and recent changes to the minimum wage affect the calculation.
- Financial advisers urge workers to compare the effective annual yield (TREA) and product terms before moving money, to keep an emergency cushion, or to use CTS to pay down high‑interest consumer debt.
- After December 31 ordinary CTS blocking rules will return unless the law is extended and digital channels plus SBS oversight mean workers can shift funds quickly but should check minimums, penalties and deposit insurance coverage.