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CCI: the number your bank doesn't show you first
In Peru the app shows one account number and forms ask for another. The CCI is the twenty-digit one, and it is the only one that works outside your bank.
A platform asks for twenty digits. You open the app, copy the number next to the balance, and it has fourteen. Neither is mistyped: they are different details, and only one works when the money comes from another institution.
What it actually is
The CCI, the interbank account code, identifies your account to the whole Peruvian financial system. It carries the institution, the branch, and the account, which is what lets any other bank route a payment to it.
How it differs from the account number
| Account number | CCI | |
|---|---|---|
| What it is for | Movements inside your own bank | Letting any institution pay you, including one abroad |
| Length | Varies by institution | Twenty digits |
| Where it usually lives | On the app's home screen, next to the balance | In the account detail or on the certificate |
One CCI per account, and with its currency
Holding a soles account and a dollar one at the same institution is common in Peru, and each carries its own CCI. The number identifies the account, but the currency is set by the account: pasting the soles CCI when you expected dollars ends in a conversion you did not ask for, or a bounce.
Where to find it without hunting
In the account detail inside the app, or on the certificate the institution issues. The practical case, with the form in front of you, is in the CCI and the account the form asks for.
Where you will be asked for it
Whenever you register a withdrawal destination on an international platform, and for payments coming from another Peruvian institution. For movements inside your own bank, the short number is enough.
Related terms
The equivalent identifier in Argentina is the CBU, and in the euro area it is the IBAN, explained in what a European IBAN really means. The rest is in the glossary.
This is not financial, legal, tax, or investment advice.
Questions on this topic
Why does my app show a shorter number?
Because that is the one you use daily for movements inside your own bank. The CCI sits one level deeper, in the account detail or on the certificate the institution issues, because it is only needed when money comes from outside.
Do I have one CCI or several?
One per account. If you hold one in soles and one in dollars, those are two different accounts with two different CCIs, and each takes its own currency. On screen they look fairly alike, so it pays to copy the one for the right product.
Does the CCI change if I switch branches?
You do not choose it and it stays with the account. What is worth reviewing is not the number, which holds, but the assumptions around it: whether the account is still active, whether the institution migrated the product, or whether the holder details are current.
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