Opening a Bank Account in Peru

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carloseduardo
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Re: Opening a Bank Account

Postby carloseduardo » Tue Jun 21, 2011 2:51 pm

It appears to me that Banco Falabella allows a person to open an account only with their passport. Does anyone know if this is correct or not? Does anyone know what documents are required at Banco Falabella? Thanks....


Thanks!
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Re: Opening a Bank Account

Postby Alpineprince » Tue Jun 21, 2011 10:27 pm

markr wrote:
teamoperu wrote:well, i just heard wih the new anti'drug law, foreigners cannot have bank accounts now, need a DNI or CE... true?


I was in my branch of Interbank only yesterday, where I had previously opened my account with a passport, asking about the possibility of a friend of mine doing the same when he arrives in the next few weeks. The answer was a definIte NO. The rules have now changed.

A friend of mine was just informed that his account at interbank will be closed in 3 mos, IF HE DOES NOT GET A CE.
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Re: Opening a Bank Account

Postby goingnowherefast » Tue Jun 21, 2011 11:57 pm

AlpinePrince - Is this actually true? Or is this, like many of your past posts, you just having a little fun? I don't have a CE and I haven't received anything saying that my accounts will be closed.

Can anyone verify this info?
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Re: Opening a Bank Account

Postby adrian Thorne » Wed Jun 22, 2011 8:09 am

markr wrote:
teamoperu wrote:well, i just heard wih the new anti'drug law, foreigners cannot have bank accounts now, need a DNI or CE... true?


I was in my branch of Interbank only yesterday, where I had previously opened my account with a passport, asking about the possibility of a friend of mine doing the same when he arrives in the next few weeks. The answer was a definIte NO. The rules have now changed.


Checked with Banco Continental and HSBC They confirm. " No CE or DNI No Account." They are in the process of sending out three month warning notices for closure or varification of status. "Manana". Notices have already been posted at Telifonica.
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Re: Opening a Bank Account

Postby sunflower » Wed Jun 22, 2011 8:37 am

No CE or DNI, No Account and not even a stupid prepaid telephone. Can anyone explain to me why?
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Re: Opening a Bank Account

Postby rama0929 » Wed Jun 22, 2011 8:46 am

sunflower wrote:No CE or DNI, No Account and not even a stupid prepaid telephone. Can anyone explain to me why?


Seems that there are some new anti-drug laws as per a post on the prior page... I'm curious to see what effect this will have.

As per the prepaid phones, does this mean that I won't be greeted by chicas in spandex representing Peru Rent a Cell at the airport?
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Re: Opening a Bank Account

Postby rama0929 » Wed Jun 22, 2011 8:47 am

adrian Thorne wrote:
markr wrote:
teamoperu wrote:well, i just heard wih the new anti'drug law, foreigners cannot have bank accounts now, need a DNI or CE... true?


I was in my branch of Interbank only yesterday, where I had previously opened my account with a passport, asking about the possibility of a friend of mine doing the same when he arrives in the next few weeks. The answer was a definIte NO. The rules have now changed.


Checked with Banco Continental and HSBC They confirm. " No CE or DNI No Account." They are in the process of sending out three month warning notices for closure or varification of status. "Manana". Notices have already been posted at Telifonica.


Is HSBC staying? I thought they were pulling out of Peru?
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Re: Opening a Bank Account

Postby teamoperu » Wed Jun 22, 2011 8:48 am

Right, stupid. I mean, for the telephone just get someone with a DNI or CE to get it for you... most drug lords probably already have their phone in someone elses name anyway.

The bank account problem is harder. We need to find creative solutions. What about joint accounts? Is one DNI good enough? Other possible solutions out there?
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Re: Opening a Bank Account

Postby Kelly » Wed Jun 22, 2011 8:52 am

I'm so glad I registered my CE with Interbank a few months ago.

While I understand this is mostly a anti-drug trafficking measure, between this and the home visits to foreigners it sounds like the country is starting to make life a little difficult for "tourists" that never leave.
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Re: Opening a Bank Account

Postby rama0929 » Wed Jun 22, 2011 9:17 am

Kelly wrote:While I understand this is mostly a anti-drug trafficking measure, between this and the home visits to foreigners it sounds like the country is starting to make life a little difficult for "tourists" that never leave.


Good for them. Wanna play, you gotta play by the rules.

And those who don't, it's good to know the rules, in case you need to break or selectively interpret them :twisted:
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Re: Opening a Bank Account

Postby teamoperu » Wed Jun 22, 2011 9:39 am

Kelly wrote:I'm so glad I registered my CE with Interbank a few months ago.

While I understand this is mostly a anti-drug trafficking measure, between this and the home visits to foreigners it sounds like the country is starting to make life a little difficult for "tourists" that never leave.


and for visitors that do leave, who are getting caught in the cross fire
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Re: Opening a Bank Account

Postby Alpineprince » Wed Jun 22, 2011 10:27 am

goingnowherefast wrote:AlpinePrince - Is this actually true? Or is this, like many of your past posts, you just having a little fun? I don't have a CE and I haven't received anything saying that my accounts will be closed.

Can anyone verify this info?

My friend, who has had the account here for many years (does not live here) only received the news as he happened to be "passing thru" Lima headed to Colombia. It was only a coincidence that he happened to go into the branch last week and was given notice. Two months ago they closed his account in Bolivia (same reason) and now his Belgian account is under review as well.

Another friend (only visits a few times a year) has an online account with BCP (was here last week) and has not heard a word about account closings!

Regardless, with the HIRE ACT in 2013 most banks would find it easier and less costly to close accounts of foreigners than to comply with reporting requirements.
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Re: Opening a Bank Account

Postby rama0929 » Wed Jun 22, 2011 10:57 am

Alpineprince wrote:Regardless, with the HIRE ACT in 2013 most banks would find it easier and less costly to close accounts of foreigners than to comply with reporting requirements.


What are they going to do with the money from these closed accts?
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Re: Opening a Bank Account

Postby goingnowherefast » Wed Jun 22, 2011 11:55 am

I suppose Peruvian banks are finally catching up with other banks of the world in anti-money laundering policies. I guess the banks have a deadline to get all the accounts legal by - I wonder when that deadline is. I'm not in Peru at the moment but I have all my mail going to my wife's family's and I haven't received anything talking about account closures.

For those that have received letters - can anyone tell me what the date is they want everything to be legal by?

I know a lot of foreigners have accounts in Peruvian banks and I also know many don't have CE's. Just the rumors and the word of mouth alone that are going to come as a result from these letters are going to scare a lot of people and the banks and Peruvian industry in general are going to loose massive amounts of money. My accounts are in the process of being empties and I'm sure many others are doing the same.

I wonder if these are Ollanta inspired policies beginning to take place...
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Re: Opening a Bank Account

Postby rama0929 » Wed Jun 22, 2011 12:05 pm

goingnowherefast wrote:I wonder if these are Ollanta inspired policies beginning to take place...


I was under the impression that these policies were inspired by Garcia? Especially if these are AML related policies?
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Re: Opening a Bank Account

Postby goingnowherefast » Wed Jun 22, 2011 12:44 pm

I think the AML stuff is the world's banks putting pressure on Peru to clean its act up or else they will cut them off from their system and not allow the banks of the developed world to do business with them and not any particular politician. We're not even sure these are AML policies anyways.

My comment was more referring to the sudden difficulties for foreigners in Peru, the foreigner police or whatever they're called interviews, account closures, etc. Seems like all of the sudden somebody isn't happy about foreigners in Peru.
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Re: Opening a Bank Account

Postby Kelly » Wed Jun 22, 2011 3:55 pm

I don't think it has anything to do with Humala; these things have been going on since a while before the election.
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Re: Opening a Bank Account

Postby Polaron » Wed Jun 29, 2011 6:22 pm

adrian Thorne wrote:I find it all rather pointless and an unneccesary expence, moving money at a price from one country to another to withdraw at ATM's etc.
I do have a dollar savings account opened at HSBC with passport and the receipt from my CE application, but rarely use it. All cash withdraws are from my UK bank direct and coupled with a very small fixed monthly fee I do not pay any charges at what ever bank I use to withdraw.


Adrian, if you withdraw cash from your UK account at local ATMs, are you charged the dreaded foreign transaction fee so loved by Visa and MasterCard? It does not show up as a separate fee; it is simply added to your withdrawal amount. For example, if you withdraw 700 soles at an exchange rate of S/. 2.75, you will actually be charged an exchange rate of S/ 2.75 less one, two or three percent, depending upon your bank. That means when you check the amount showing up as a withdrawal on your bank statement and calculate the exchange rate, it will end up being something along the lines of S/. 2,669902912621359 if your bank tacks on 2% to the 1% that MasterCard or Visa charge. If you are fortunate, neither your bank nor the local bank charges an additional fee simply for using the ATM.

I say this because the foreign transaction fee is invisible and is quietly tacked on without any advance notice given to customers, except in a sub-paragraph of a long prospectus that 99% of the people do not read anyway.

Last year, I switched banks. I had been using a different U.S. bank that tacked on 2% to the MasterCard/Visa transaction fee, as well as charging me $1.50 U.S. for each ATM transaction. I felt relieved in Lima, because the local ATM did not charge me a fee, while in Santiago de Chile, I paid the dollar fifty, 3% and then $2,000 pesos CLP (four dollars) to the local machine per pop. Ouch. When I separated out and tallied up my banking fees, I was shelling out $55 in fees and 3% of my withdrawals and transactions every month - well over $100 dlls every month.

Now my fees are a lot lower as my current bank (USAA) does not tack on a commission to the 1% charged by MC/Visa. Still, I think the foreign transaction fees, regardless of amount, are abusive.
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Re: Opening a Bank Account

Postby goingnowherefast » Wed Jun 29, 2011 6:45 pm

Just following up from last week... no letter received talking about account closures. Can anyone verify this - has anyone actually received the letters themselves?
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Re: Opening a Bank Account

Postby DEANFEB » Wed Jun 29, 2011 7:57 pm

Can anyone really verify this? actually receive notices? I was in Interbank June 1st at Carlos Villaran, the huge Interbank building and opened an USD Ahorra Empresario with just my Passport and driver's Licence, no one there told me anything about closing accounts?
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Re: Opening a Bank Account

Postby adrian Thorne » Wed Jun 29, 2011 10:58 pm

Polaron wrote:
adrian Thorne wrote:I find it all rather pointless and an unneccesary expence, moving money at a price from one country to another to withdraw at ATM's etc.
I do have a dollar savings account opened at HSBC with passport and the receipt from my CE application, but rarely use it. All cash withdraws are from my UK bank direct and coupled with a very small fixed monthly fee I do not pay any charges at what ever bank I use to withdraw.


Adrian, if you withdraw cash from your UK account at local ATMs, are you charged the dreaded foreign transaction fee so loved by Visa and MasterCard? It does not show up as a separate fee; it is simply added to your withdrawal amount. For example, if you withdraw 700 soles at an exchange rate of S/. 2.75, you will actually be charged an exchange rate of S/ 2.75 less one, two or three percent, depending upon your bank. That means when you check the amount showing up as a withdrawal on your bank statement and calculate the exchange rate, it will end up being something along the lines of S/. 2,669902912621359 if your bank tacks on 2% to the 1% that MasterCard or Visa charge. If you are fortunate, neither your bank nor the local bank charges an additional fee simply for using the ATM.

I say this because the foreign transaction fee is invisible and is quietly tacked on without any advance notice given to customers, except in a sub-paragraph of a long prospectus that 99% of the people do not read anyway.

Last year, I switched banks. I had been using a different U.S. bank that tacked on 2% to the MasterCard/Visa transaction fee, as well as charging me $1.50 U.S. for each ATM transaction. I felt relieved in Lima, because the local ATM did not charge me a fee, while in Santiago de Chile, I paid the dollar fifty, 3% and then $2,000 pesos CLP (four dollars) to the local machine per pop. Ouch. When I separated out and tallied up my banking fees, I was shelling out $55 in fees and 3% of my withdrawals and transactions every month - well over $100 dlls every month.

Now my fees are a lot lower as my current bank (USAA) does not tack on a commission to the 1% charged by MC/Visa. Still, I think the foreign transaction fees, regardless of amount, are abusive.



I pay a fixed sum of £9 stirling per month, which gives me free ATM withdraws world wide, using my debit card. This also gives me protection for lost, stolen and damaged cards, travel and cellular insurance. I always check the amounts and exchange rates on my statement and confirm no charges or excessive interest rates have ever been applied, other than one occasion in 2008, when I made a withdraw from BIF. I pointed this out and my bank immediately refunded the charges. I have had this arrangement now for many years due to work related travel.

I have updated my accounts at HSBC, without any mention of closures and Banco Continental in La Molina. They both confirmed the requirements of CE or DNI. This may not apply to Interbank.
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Re: Opening a Bank Account

Postby teamoperu » Thu Jun 30, 2011 7:43 am

Last week I tried to add a USD account, already have a soles ahorra account, and Interbank said no, not possible without DNI or CE.

A friend has offered to open an acount for me with their DNI, then pass all the info to me so I have the tarjeta and can change all the passwords... seems reasonaly secure way to work this... any thoughts?
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Re: Opening a Bank Account

Postby fanning » Thu Jun 30, 2011 8:33 am

teamoperu wrote:Last week I tried to add a USD account, already have a soles ahorra account, and Interbank said no, not possible without DNI or CE.

A friend has offered to open an acount for me with their DNI, then pass all the info to me so I have the tarjeta and can change all the passwords... seems reasonaly secure way to work this... any thoughts?

Don't know how well you trust your friend, but he only needs to report the card missing, and for S/. 7 and showing his DNI he will get a new card and a new PIN, having full access to 'his' account..
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Re: Opening a Bank Account

Postby rama0929 » Thu Jun 30, 2011 9:08 am

Foreign transaction fees have to do with the network that these transactions run on. MasterCard, Visa, Discover, AmEx, etc make money every time you use your card, be they debit or credit purchases. There's a fee associated with the acquiring back (where you use your card) and the issuing bank (your card). Foreign transactions have an added level of complexity (access, exchange rates, security, etc, etc, etc), which explains why foreign transaction fees may be what they are.

But for more information, read up on interchange fees... It will better explain the logic behind the rates and fees.
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Re: Opening a Bank Account

Postby Polaron » Thu Jun 30, 2011 1:50 pm

Yes, we know how hard it is for the poor, poor banks to eke out a profit. That is why they received a huge bailout and are now being made to suffer by those dastardly regulators that for some unknown reason seem to think that consumers are just as important as bankers. Imagine the gall!
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Re: Opening a Bank Account

Postby rama0929 » Thu Jun 30, 2011 2:50 pm

Polaron wrote:Yes, we know how hard it is for the poor, poor banks to eke out a profit. That is why they received a huge bailout and are now being made to suffer by those dastardly regulators that for some unknown reason seem to think that consumers are just as important as bankers. Imagine the gall!


Yeah, the gall of charging you for a service that you use... How dare they!

Why don't you keep your money in your mattress? No foreign transaction fees nor service charges there 8)
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Re: Opening a Bank Account

Postby skareem » Thu Jun 30, 2011 10:31 pm

teamoperu wrote:Last week I tried to add a USD account, already have a soles ahorra account, and Interbank said no, not possible without DNI or CE.

A friend has offered to open an acount for me with their DNI, then pass all the info to me so I have the tarjeta and can change all the passwords... seems reasonaly secure way to work this... any thoughts?


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Re: Opening a Bank Account

Postby DEANFEB » Thu Jun 30, 2011 11:00 pm

Teamoperu, try the Interbank (the huge interbank building) att Carlos Villaran, I had no problem there June 1, with Passport and Driver licence (canadian) . Advise us here pls..
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Re: Opening a Bank Account

Postby teamoperu » Fri Jul 01, 2011 11:40 am

Yes, I was at that building in late May and they agreed to add an account... and would have but for some silliness... when I again went to Interbank branch in June 16 they called HQ and then said no longer possible, the rules changed. Maybe you got in just before they distributed the memo. But your account, or even if I went there and was successful, why?, they are just to close it?

(For humour, the silliness was that I opened the account with my passport, but my passport was stolen and I received a new one, with a new number. They insisted they needed to see the old (stolen) passport to be able to access the account for changes, the new passport was insufficient proof, even though same name, same DOB, similar photo etc. Producing the denuncia, and suggesting if I could find the thief I'd ask him to come with me :D , got me no where.)
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Re: Opening a Bank Account

Postby MarcoPE » Fri Jul 01, 2011 11:56 am

dmgyxpu
Last edited by MarcoPE on Wed Dec 21, 2011 11:22 pm, edited 1 time in total.
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Re: Opening a Bank Account

Postby Kelly » Fri Jul 01, 2011 2:34 pm

teamoperu wrote:(For humour, the silliness was that I opened the account with my passport, but my passport was stolen and I received a new one, with a new number. They insisted they needed to see the old (stolen) passport to be able to access the account for changes, the new passport was insufficient proof, even though same name, same DOB, similar photo etc. Producing the denuncia, and suggesting if I could find the thief I'd ask him to come with me :D , got me no where.)


I had the same problem, trying to use my CE instead of my passport to withdraw cash - didn't matter that the passport# is on the CE, and that I had a photocopy of the CE and the denuncia.

I later changed my account ID over to my CE, so that the CE would be accepted. Nevertheless, today my husband had a couple questions about the account, and according to Interbank, I no longer have an account there - our shared account. According to them, I'm shut off of the account. I have a feeling it's because the account was opened with a passport, and that something went screwy with registering my CE there.
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Re: Opening a Bank Account

Postby edgeclinger » Sat Jul 02, 2011 9:29 am

This is fascinating. We haven't received any notice from Interbank yet.
I'm wondering if they are really going to close our account, what are they going to do with the money that is in it!
I'm also wondering how a person would go about transferring a big chunk of cash to buy an apartment for example without having a local account.
Like I said, interesting.
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Re: Opening a Bank Account

Postby teamoperu » Sat Jul 02, 2011 9:28 pm

A friend had an interesting comment... wait until after Jul 28 and see what Humalla does... new president, new policies
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Re: Opening a Bank Account

Postby goingnowherefast » Sun Jul 03, 2011 11:57 am

Yeah, me either. I also have 5 or 6 friends with accounts in various Peruvian banks opened with passports and licenses and not one has received any letters talking about closures. I also spoke with Interbank and they said my account will not be closed.

So short answer is no, Peruvian banks aren't going to close your accounts, steal your money, and pretend they never knew you.

The only "confirmed" report we have of any of this was from the same guy that posts all kinds of nonsense in the past, you do the math.
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Re: Opening a Bank Account

Postby tamas » Mon Sep 12, 2011 8:14 pm

Just to confirm. As a newcomer I headed to open an account at Interbank Plaza San Miguel. I was there anyway so I went in to ask if it's possible with a passport. The answer was no, only with DNI or Carnet de Extranjeria AND another photo ID.
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Re: Opening a Bank Account

Postby el conquistador » Tue Sep 13, 2011 6:50 pm

tamas wrote:Just to confirm. As a newcomer I headed to open an account at Interbank Plaza San Miguel. I was there anyway so I went in to ask if it's possible with a passport. The answer was no, only with DNI or Carnet de Extranjeria AND another photo ID.


It's right, rules are changed.

Till last year you could open an account with your passport at Interbank. I opened it last year.
I talked to the gerente last month and he told me that I can keep my account with them because I opened it before the rule was changed.
So, if you already have an account with Interbank then nothing changes for you but you can not open other accounts.
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Re: Opening a Bank Account

Postby el conquistador » Tue Sep 13, 2011 7:04 pm

sunflower wrote:No CE or DNI, No Account and not even a stupid prepaid telephone. Can anyone explain to me why?



You can still buy prepaid phones without any document at all.
I bought this year two cellphones and I didn't get asked for any document at all. And I bought them at the Claro Shops.
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Re: Opening a Bank Account

Postby Kelly » Tue Sep 13, 2011 10:47 pm

Yeah, our new roommate just bought a new prepaid chip for his phone with no problem.
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Re: Opening a Bank Account

Postby americorps » Wed Sep 14, 2011 1:35 am

Kelly, your friend got lucky. I am sure it is not too difficult to buy one with a passport, but the new law makes it clear that they are NOT supposed to sell one, not even pre-paid without a carnet.

It is an anti drug trafficking law...the same one that shut down bank accounts on passports.
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Re: Opening a Bank Account

Postby sunflower » Wed Sep 14, 2011 10:42 am

Anyone know which law it is? Ley No. ??? or Decreto No. ???? I couldn't find it anywhere.
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Re: Opening a Bank Account

Postby el conquistador » Wed Sep 14, 2011 4:35 pm

americorps wrote:Kelly, your friend got lucky. I am sure it is not too difficult to buy one with a passport, but the new law makes it clear that they are NOT supposed to sell one, not even pre-paid without a carnet.

It is an anti drug trafficking law...the same one that shut down bank accounts on passports.


What dus the anti drug trafficking law to do with opening a bank account with a passport or buying a chip for your cellphone.
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Re: Opening a Bank Account

Postby Jalapenomel » Thu Sep 15, 2011 10:52 am

americorps wrote:Kelly, your friend got lucky. I am sure it is not too difficult to buy one with a passport, but the new law makes it clear that they are NOT supposed to sell one, not even pre-paid without a carnet.

It is an anti drug trafficking law...the same one that shut down bank accounts on passports.
Both my husband and I got pre-paid SIM cards and internet service with Claro with our passport and lease.
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Re: Opening a Bank Account

Postby ehat » Thu Sep 15, 2011 12:22 pm

I just got a second phone at the kiosk at wong using just my passport
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Re: Opening a Bank Account

Postby el conquistador » Thu Sep 15, 2011 6:37 pm

americorps wrote:Kelly, your friend got lucky. I am sure it is not too difficult to buy one with a passport, but the new law makes it clear that they are NOT supposed to sell one, not even pre-paid without a carnet.

It is an anti drug trafficking law...the same one that shut down bank accounts on passports.


Banks are not going to shut down bank accounts that were opened with passports. They just won't open new accounts with passports.
Shutting down bank accounts is losing customers and losing customers is losing money for the banks. Banks hate losing money. And people who opened a bank account with their passports are important customers because they will be loyal because they can't switch to other banks anymore.
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Re: Opening a Bank Account

Postby americorps » Thu Sep 15, 2011 9:27 pm

el conquistador wrote:
americorps wrote:Kelly, your friend got lucky. I am sure it is not too difficult to buy one with a passport, but the new law makes it clear that they are NOT supposed to sell one, not even pre-paid without a carnet.

It is an anti drug trafficking law...the same one that shut down bank accounts on passports.


Banks are not going to shut down bank accounts that were opened with passports. They just won't open new accounts with passports.
Shutting down bank accounts is losing customers and losing customers is losing money for the banks. Banks hate losing money. And people who opened a bank account with their passports are important customers because they will be loyal because they can't switch to other banks anymore.


That is actually not true. I know 2 people who received notices from their banks that they have 90 days to present a carnet or their accounts will be closed. The same law was passed in the US a couple of years ago for accounts without a social security number for the same reason..international money laundry guidelines..mostly for drug smugglers.

The same reason they are trying to eliminate the cell phone purchases, to have fewer untraceable cell phones.
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Re: Opening a Bank Account

Postby leoo24 » Fri Sep 16, 2011 10:20 am

ok so now i'm worried about this account closing problem.

I have an acount in hsbc opened with my passport in april, not had any letters.

I won't be moving to peru until next year but have a property in ica which is sold and being completed next week!

Can i add my wife's dni to the account?

I don't have a fixed address in peru as both my wife and i currently live in spain, her parents and brothers are there though!

thanks


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Kelly
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Re: Opening a Bank Account

Postby Kelly » Fri Sep 16, 2011 11:41 am

I wouldn't worry about it until you hear from them.
el conquistador

Re: Opening a Bank Account

Postby el conquistador » Fri Sep 16, 2011 4:48 pm

americorps wrote:The same reason they are trying to eliminate the cell phone purchases, to have fewer untraceable cell phones.


Probably more people will get their phone stolen by criminals.

Still, it will be easy to buy a phone. Just ask a Peruvian friend to buy one for you.
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Re: Opening a Bank Account

Postby hoyce » Sat Sep 17, 2011 11:28 pm

teamoperu wrote:
Kelly wrote:I'm so glad I registered my CE with Interbank a few months ago.

While I understand this is mostly a anti-drug trafficking measure, between this and the home visits to foreigners it sounds like the country is starting to make life a little difficult for "tourists" that never leave.


and for visitors that do leave, who are getting caught in the cross fire


wait a minute! what "home visits to foreigners"?
el conquistador

Re: Opening a Bank Account

Postby el conquistador » Sun Sep 18, 2011 4:15 pm

hoyce wrote:
teamoperu wrote:
Kelly wrote:I'm so glad I registered my CE with Interbank a few months ago.

While I understand this is mostly a anti-drug trafficking measure, between this and the home visits to foreigners it sounds like the country is starting to make life a little difficult for "tourists" that never leave.


and for visitors that do leave, who are getting caught in the cross fire


wait a minute! what "home visits to foreigners"?


There are no home visits to foreigners unless the are suspected of being involved in a crime. Just like Peruvians. Besides, how do they know where foreigners live and who's a foreigners and who's doing what? Are they going to walk into all hostels and go hassling backpackers?

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