Overview
- Employers must deposit the May–October 2025 CTS between November 1 and 15, with a practical deadline of Friday, November 14 because the 15th falls on a Saturday.
- New deposits often appear first as an accounting balance and typically turn into an available balance within about 48 hours, though court-ordered embargoes can block access.
- Law No. 32322 allows a one-time withdrawal of 100% of CTS funds until December 31, 2026, and banks like BCP, Interbank and Scotiabank enable transfers via apps, web, ATMs or branches.
- Interbank provides immediate access when the account is in free-disposal status, but otherwise requires a simple employer authorization letter presented with a DNI at a branch.
- Sunafil treats late or missing deposits as serious infractions with fines that scale by company size, while CTS amounts are calculated using monthly pay plus one-sixth of the July bonus and prorated months worked.