What are the services of the Electronic Wallet?
GMONEY S.A. (also referred to as THE COMPANY) is an electronic money issuer supervised by the Superintendency of Banking, Insurance, and AFP (SBS). It allows natural persons over 18 and legal entities, both with nationality or legal residence in Peru, to convert their mobile phone into an Electronic Wallet by opening a national currency electronic money account associated with their cell phone number and identity document number or RUC.
The services of the Electronic Wallet, supported by GMONEY S.A., are as follows:
Reloading (cash to electronic money conversion): You can deposit money into your electronic money account. The cash you deliver or transfer from your bank account, credit/debit card, will be converted into electronic money.
Withdrawing (reconversion of electronic money to cash): You can withdraw from your electronic money account. Your electronic money will be delivered as cash or transferred to your bank account or prepaid card.
Sending Money: You can make transfers to other electronic money accounts, whether affiliated with GMONEY's Electronic Wallet or not, and receive transfers from other GMONEY-affiliated accounts.
Paying for Services (electricity, water, phone, etc.): You can pay bills from major Public and Private Service Companies affiliated with GMONEY from your Electronic Wallet.
Mobile Balance Reload: You can buy minutes and/or data from Peru’s mobile phone operators for your or others' cell phones from your Electronic Wallet.
Prepaid Card: Your Electronic Wallet may be associated with a virtual and/or physical prepaid card to pay for services or purchases online and at affiliated establishments.
Interoperability: Your Electronic Wallet allows for interoperability between bank accounts and electronic money accounts, enabling transfers between users with bank accounts from different entities and/or other interoperable wallets as per the Affiliation for Interoperability Transfers in Annex No. 01 of this contract.
Balance Inquiry: You can check the balance in your Electronic Wallet at any time.
Transaction History: You can view recent transactions made from your Electronic Wallet.
Password Change: You can change your password from within your Electronic Wallet.
What are the limits and restrictions associated with the Electronic Wallet?
The limits and restrictions are communicated to you as alerts or error messages when a transaction does not meet these limits, as follows:
Limits:
Every transaction you make with your Electronic Wallet is subject to the platform’s established limits and fees. These limits align with those established by the SBS, as indicated in the Electronic Money Law – Law No. 29985, Article 5, Paragraph b.
The maximum number of transactions and other business-specific limits per transaction type are detailed in ANNEX No. 2, part of this contract, and may be modified by GMONEY and BNKA as specified in point 8.b of this contract.
Each transaction cannot exceed S/ 1 UIT.
The account balance cannot exceed S/ 16,000 at any time.
The maximum amount of daily transactions (conversion, transfers, payments, etc.) cannot exceed S/ 18,000.
Total accumulated transactions per month cannot exceed S/ 50,000.
The number of daily transactions (conversion, reconversion, transfers, payments, etc.) cannot exceed 10.
The number of transactions per month (conversion, transfers, payments, etc.) cannot exceed 60.
Restrictions:
The Electronic Wallet services are available for mobile phones operated by national Mobile Phone Operators.
You cannot affiliate or use your Electronic Wallet if your cell phone is suspended or under a postpaid plan that has exceeded consumption limits.
“Identity document” refers to any document issued, accepted, or authorized by the Peruvian State that allows the person to access financial services, such as DNI, RUC, foreigner’s card, PTP, or another. GMONEY reserves the right to accept affiliations with identity documents other than the DNI or request additional information from non-Peruvian nationals due to technological restrictions, information access, commercial strategies, or other reasons. For this contract's purposes, "DNI" is used generally to refer to any identity document.
How to affiliate to the Electronic Wallet and open a General Electronic Money Account?
To affiliate with a general Electronic Wallet account, you must accept the terms and conditions of this contract, provide personal identification details, and submit the following supporting documents:
Natural Person:
Photo of identity document (front and back)
Video/Selfie photo.
Electronic Wallet account affiliation can be done virtually.
Virtual channel affiliation:
Affiliation is done by accepting this contract’s terms and conditions through a checkbox in the application, entering additional information, and digitally submitting the supporting documents. This acceptance allows for the contract to be sent to the client’s email.
This type of affiliation can be done via (i) a mobile app, (ii) the website, or (iii) another channel provided by BNKA, information on which is available on the website bnka.com.
What operations are available in the Electronic Wallet?
a. “Reload” (deposit money): The options that BNKA and GMONEY provide for reloading are:
Through Interoperability, you can reload your wallet by sending money from other banks using your registered cell phone number with BNKA and selecting the option to send money to DALE. You can also send money using the CCI. You’ll be guided through a series of steps to complete the process. If accepted, the money will be credited to your electronic money account, and you can check your new balance in your Electronic Wallet. You are solely responsible for meeting GMONEY and BNKA’s conditions for such transactions, which include: (i) using the correct bank account number or Interbank Account Code (CCI), (ii) being aware of and respecting financial system operating hours, (iii) bearing costs established by financial institutions (available through their service channels), (iv) providing a clear transfer record showing the required information, and (v) handling claims directly with the financial institution or intermediaries through their customer service channels.
GMONEY and BNKA reserve the right to refund the full amount if you fail to meet the conditions stated above, as you will be responsible for any administrative costs incurred by such a refund. Additionally, once the money is credited to your electronic money account, you will not have the right to request reversals.
b. “Send Money”: From your Electronic Wallet, select the "Send Money" option, enter the recipient's cell phone number (affiliated with Mobile Phone Operators working with GMONEY), enter the amount you want to send, and confirm the operation by entering your "Personal Secret Key." If all validations are passed, the transfer will be confirmed as successful via SMS, email, pop-up message, or other methods defined by GMONEY and BNKA. You can also send money to an unregistered cell phone user or receive transfers from individuals or companies who wish to send you money through their Electronic Wallets or GMONEY (via specific request and prior agreement). Note that to access the money, you must affiliate with the Electronic Wallet.
c. “Withdraw” (withdraw money): The options that BNKA and GMONEY provide for withdrawing are:
Through a transfer: select the transfer option to initiate the process, you may choose CCI as the sending method, allowing for immediate transfers in local currency to any bank. Enter the 20-digit Interbank Account Code (CCI), continue, and confirm the amount to be sent. Review the transaction details and confirm if correct. You’ll then receive a code via SMS or email to validate the transaction. Once validated, the money is successfully sent.
For such operations, you authorize the withdrawal of your specified amount from your Electronic Wallet and its deposit into your bank account, prepaid card, or CCI. If all validations are passed, the operation will be confirmed via SMS, email, pop-up message, or other methods defined by BNKA, and your new balance can be viewed in your Electronic Wallet.
You are solely responsible for meeting BNKA and GMONEY’s requirements for such operations, which include (i) providing the correct bank account number, prepaid card number, or CCI, (ii) respecting financial system operating hours, (iii) bearing costs set by financial institutions (available through their service channels), and (iv) handling claims directly with financial institutions or intermediaries.
BNKA and GMONEY reserve the right to refund the full amount if you fail to meet the stated conditions, bearing any administrative costs involved. Additionally, once the money has been withdrawn from your electronic money account and deposited into your bank account or prepaid card, you will not have the right to request reversals.
d. “Pay for Services” (electricity, water, phone, etc.): From your Electronic Wallet, select the “Pay for Services” option, choose the service you wish to pay for, enter the required information (supply number, customer code, phone number, etc.), view the debt amount, and confirm the operation by entering your "Personal Secret Key." If all validations are passed, the service will be marked as paid, and you will receive confirmation of a successful transaction via SMS, email, pop-up message, or other methods defined by GMONEY.
e. “Reload Mobile Balance”: From your Electronic Wallet, select the "Reload" option, choose the mobile operator for the cell phone you wish to reload, enter the cell phone number to reload, and confirm the transaction by entering your "Personal Secret Key." If all validations are passed, the phone will be reloaded with minutes and/or data, and you will receive confirmation of a successful transaction via SMS, email, pop-up message, or other methods defined by GMONEY.
f. “Make Payments”: From your Electronic Wallet, select the payment option you wish to complete, follow the steps, and confirm the operation by entering your "Personal Secret Key." If all validations are passed, the payment is made, and you will receive confirmation of a successful transaction via SMS, email, pop-up message, or other methods defined by GMONEY.
g. “Check Balance”: From your Electronic Wallet, you can view your balance at any time.
h. “View Recent Transactions”: From your Electronic Wallet, select the “Transaction History” option to view the details of your most recent transactions.
i. “Change Personal Key”: From your Electronic Wallet, go to Menu/Profile and select “Change Password.” Enter your current "Personal Secret Key," create and enter a new "Personal Secret Key," and confirm it by entering it again. Successful changes will be confirmed via SMS, email, pop-up message, or other methods defined by GMONEY.
If you forget your "Personal Secret Key," select the "Forgot my key" option and follow the steps indicated. If this doesn’t work, contact BNKA’s support channels at BNKA Support or another contact available on the website.
j. Using the Prepaid Card:
Your Electronic Wallet may be associated with a virtual prepaid card linked to your electronic money account.
The prepaid card will not be linked to any other card you may have within the financial system.
The prepaid card may be branded as MasterCard or another brand affiliated with GMONEY. GMONEY does not guarantee availability of all brands in the market.
BNKA and GMONEY may offer a physical support for the virtual prepaid card (Plastic Card), for which the acquisition and activation process will be communicated through customer support channels and the BNKA website.
The platforms BNKA provides for reloading the Prepaid Card are available in the app and on the website bnka.com.
Limits, restrictions, and fees for the Prepaid Card’s activation and usage are detailed on bnka.com.
The Plastic Card will have a “Personal Secret Key,” governed by the rules and conditions in Clause 5 of this contract.
GMONEY will provide an Affiliated Network where you can perform transactions with the Prepaid Card. For more information, refer to Clause 6 of this contract.
BNKA offers customer support channels for addressing inquiries, complaints, and requests regarding the Prepaid Card, such as blocking, canceling, updating information, and password changes. See Clause 8 of this contract for more information.
If your Prepaid Card shows no activity for ten (10) years from the time of affiliation, and if you have not claimed your balance within that period, it will be transferred to the relevant authority in accordance with Peruvian law.
Your Prepaid Card may be canceled if it shows no activity for three consecutive months. The remaining balance will be transferred to your wallet, and you will be notified of the cancellation within seven (7) calendar days following this occurrence.
Since the Prepaid Card is linked to your electronic money account, all conditions, limits, restrictions, and considerations in this contract apply.
Clients acknowledge that Electronic Money Accounts may include commission charges as indicated on bnka.com.
What are the Passwords, Codes, and Keys used in the Electronic Wallet?
a. Password
When creating a BNKA account, the user registers with their email, confirms they have read the Terms and Conditions, and receives an email with a link to continue the registration process. Afterward, the user can create their password, which will grant them access to the platform. The password must be an alphanumeric code of 8 to 20 characters, including: (i) at least one uppercase letter, (ii) at least one lowercase letter, (iii) more than one number, and (iv) at least one of the following characters: ,.@#$%^&*
b. Personal Secret Key
The user creates and confirms a 6-digit security PIN to validate operations within the app. The Personal Secret Key is a six-digit code (not consecutive, like 123456, nor repeated, like 111111) that you create when affiliating with the Electronic Wallet.
Entering the “Personal Secret Key” during the affiliation process signifies acceptance of: (i) the complete contents of these Terms and Conditions, a copy of which can be found and downloaded on our website Bnka.com; and (ii) the understanding that you can seek clarification, submit requests, or file complaints through our Support channel: BNKA Support.
You are fully responsible for the personal, exclusive, and non-transferable use of your "Personal Secret Key"; thus, you must not allow any third party to know it. Otherwise, you accept the consequences of its disclosure, releasing BNKA and GMONEY from any resulting responsibility since all operations made using the "Personal Secret Key" are considered as having been validly conducted by you.
The "Personal Secret Key," for all legal purposes and in accordance with Article 141-A of the Civil Code, constitutes the client's signature. You are therefore obligated to keep it confidential and for your exclusive use, modifying it periodically or whenever you suspect it may have been compromised. You declare knowledge of and agree to take all these actions.
In case of theft, plagiarism, or loss of your "Personal Secret Key," you must immediately block your Electronic Wallet. BNKA and GMONEY provide the support communication channel at BNKA Support.
You understand that all operations conducted before blocking are entirely your responsibility. To reactivate your Electronic Wallet and/or request a “Reset” of your “Personal Secret Key,” contact support, which will provide instructions. Note that your responsibility as a client does not apply in the situations detailed in clause 11(j) of this contract.
In case of theft, robbery, or loss of your cell phone, immediately request (i) the "Block" of your Electronic Wallet and (ii) the temporary suspension of the cell service with your Mobile Operator. You understand that all operations conducted before these “Blocks” are entirely your responsibility. To reactivate your Electronic Wallet, contact our Support channels for further instructions. Note that your responsibility as a client does not apply in the situations detailed in clause 11(j) of this contract.
c. Provisional Secret Key
The “Provisional Secret Key” is a 6-digit number sent to you by SMS, email, pop-up message, or another method defined by BNKA and GMONEY when you request a "Reset" of your "Personal Secret Key."
Upon receiving the "Provisional Secret Key," you must change it to your "Personal Secret Key" by entering the “Provisional Secret Key” first, then creating and entering a new “Personal Secret Key” you can remember, and finally confirming it.
For security, the "Provisional Secret Key" is only active for fifteen (15) minutes. If it expires, contact BNKA customer service and request a new “Reset” of your "Personal Secret Key."
The "Provisional Secret Key" is for personal, exclusive, and non-transferable use; thus, you must not allow any third party to know it. Otherwise, you accept the consequences of its disclosure, releasing GMONEY and BNKA from any resulting responsibility.
d. Operation Code
The “Operation Code” is a six-digit number sent to your cell phone via SMS, email, pop-up message, or another method defined by BNKA and GMONEY, enabling you to carry out operations.
For security, the "Operation Code" is only active for fifteen (15) minutes. If it expires, you must reinitiate the “Reload” and/or “Withdraw” operations from your Electronic Wallet. You can generate the "Operation Code" as often as needed; however, while an "Operation Code" is active, you cannot generate a new one.
The “Operation Code” is for personal, exclusive, and non-transferable use; thus, you must not allow any third party to know it. Otherwise, you accept the consequences of its disclosure, releasing GMONEY and BNKA from any resulting responsibility.
Physical and Virtual Establishments
a. Physical establishments include the network of ATMs identified as "ATM" by Mastercard, operating with the BNKA prepaid card.
b. “Make Payments” operations are carried out through “Physical and Virtual Establishments,” and the applicable conditions and fees are indicated on the platform.
What are the costs associated with the Electronic Wallet?
a. The pricing, limits, and restrictions for using the Electronic Wallet are detailed on the platform and in Annex No. 02 and may be modified by GMONEY and BNKA as specified in point 8(b) of this contract.
b. To use your Electronic Wallet, you must have a sufficient “Balance” in the electronic money account linked to your cell phone (from which we will debit your operation’s amount plus any applicable fees). You can reload this “Balance” by: (i) receiving money from another electronic money account, (ii) other methods defined by BNKA and GMONEY.
c. Fees charged in “Pay for Services” operations are due to the use of your Electronic Wallet and are not related to the Service you are paying for.
What are the communication channels for the Electronic Wallet?
a. You can communicate with your Electronic Wallet for any inquiries, requests, or complaints at BNKA Support.
The procedure for handling inquiries, requests, or complaints can be found on our website bnka.com. You may also complete a request form here, and our Customer Support team will contact you promptly.
b. The Market Conduct Management Regulation of the Financial System, approved by SBS Resolution No. 3274-2017 and its amendments, considers text messages (SMS), emails, and phone calls as “direct communication channels”; therefore, we use these means to notify you of changes to the contract regarding: (i) cost changes that may harm you, (ii) contract termination for reasons other than non-compliance, (iii) limitation or exemption of BNKA and GMONEY’s responsibility, and (iv) migration to another Electronic Wallet provided by BNKA and GMONEY. We will notify you of such changes at least 45 calendar days before they take effect, except for favorable changes, which apply immediately.
Other changes are communicated through the following channels: announcements on our website bnka.com, publications in newspapers, magazines, or nationally circulated media, SMS, email, or phone calls, at our company’s discretion.
c. If you disagree with any contract modification, you may “Close” (permanently block) your Electronic Wallet without penalty. If you have an “Electronic Money Balance,” you must complete one of these operations before “Canceling”: (i) “Withdraw,” (ii) “Send Money,” (iii) “Make Payments,” (iv) “Pay a Service,” or (v) “Reload Balance,” until your Electronic Wallet has no “Balance.” If you request to “Close” your Electronic Wallet and wish to reactivate it, you must re-affiliate to an Electronic Wallet provided by GMONEY. You can “Close” (permanently block) your Electronic Wallet by pressing the “Unsubscribe” button on the platform.
Guarantee
GMONEY S.A. guarantees 100% of the electronic money, with deposits in a trust, in a liquidation account at the Central Reserve Bank of Peru (BCRP), or as immediately available deposits in first-tier banks.
What happens to your balance if you don’t use your Electronic Wallet?
a. If your Electronic Wallet shows no activity for ten (10) years from the date you affiliated and you have not claimed your balance within that period, it will be transferred to the relevant authority under Peruvian law.
b. Your Electronic Wallet may be “Blocked” for your security if it shows no activity for 6 months. To prevent inactivity, you should perform operations like “Reload,” “Withdraw,” “Send Money,” “Pay for services,” “Make payments,” or “Reload Mobile Balance.” In this case, contact customer support to “Unblock” your Electronic Wallet.
What are your responsibilities and rights as a user of the Electronic Wallet?
a. To change the cell phone number affiliated with the Electronic Wallet service, contact support at BNKA Support and follow the provided instructions.
b. You may “Close” your Electronic Wallet through the “Unsubscribe” button on bnka.com or “Block” it by contacting support at BNKA Support under the following circumstances:
By user request or decision of the Mobile Operator, such as due to fraud, mobile operator change, loss, or theft.
Dissatisfaction with contract modifications.
Dissatisfaction with the Electronic Wallet service.
You understand that the ownership of your Electronic Wallet may differ from the cell phone’s ownership used to affiliate. Therefore, you are fully responsible for any transaction you make, regardless of the phone’s ownership.
d. To modify your contact information, reach out to support at BNKA Support. Failing to communicate changes to your contact details releases BNKA and GMONEY from all responsibility that may arise as a result.
e. You acknowledge that any taxes or legal deductions imposed by institutions and government agencies will apply to you as required by law.
f. Any typing errors made when entering information for transactions are your sole responsibility; thus, you understand that operations you conduct and validate with your "Personal Secret Key" cannot be reversed, deleted, or modified once validated. Note that before you confirm the operation by entering your "Personal Secret Key," all relevant details are displayed, allowing you to cancel the transaction if you detect any incorrect information.
g. In the event of death, your heirs may claim the balance in your Electronic Wallet by submitting the following documents: (i) a request for balance delivery/balance inquiry with a notarized signature; (ii) copies of their identity documents; and (iii) proof of their status as successors, by presenting a declaration of heirs (intestate succession) or a will (testamentary succession) duly registered in the Public Succession Registry of the National Superintendency of Public Registries (SUNARP). This information is provided at our office, with the address available on our website: www.gmoney.com.pe. If your heirs are unaware of the financial institutions where you held accounts, they may request this information from the SBS, as stipulated in the Informed Heirs in Passive Financial Services Law - Law No. 30152. Once your heirs have claimed the balance, the Electronic Wallet will be closed.
h. By affiliating with the Electronic Wallet, you irrevocably authorize GMONEY to issue instructions on your behalf to the structured trust in accordance with the Law Regulating the Basic Characteristics of Electronic Money as a Financial Inclusion Tool - Law No. 29985, and the Electronic Money Operations Regulation - SBS Resolution No. 6283-2013, concerning operations from or to the account related to the operations you conduct.
i. By successfully completing any operation in the Electronic Wallet, you irrevocably confirm that the details of the operation, such as cell phone number, account number, user name, and transaction amount, are correct, thus fully agreeing to the transaction conducted.
j. Be aware that you will not be liable for any losses in the following cases: (i) card cloning; (ii) when transactions are conducted using your Electronic Wallet after you have notified us of its "Blocking"; (iii) when you are impersonated at our offices; or (iv) if there is a malfunction in the channels or systems we provide for conducting operations or the security measures implemented in these channels, unless BNKA and/or GMONEY can demonstrate user responsibility.
k. By affiliating with the Electronic Wallet, you expressly authorize us to share your full name with individuals who use your cell phone number as the recipient of a transaction to facilitate identity verification.
l. For interoperability operations, you must be aware of the recipient financial institution’s transaction limits before entering the amount to send.
What are BNKA and GMONEY’s responsibilities and rights?
a. GMONEY and BNKA may communicate with you through phone calls, text messages (SMS), emails, or other methods deemed appropriate by the company. You also acknowledge that under no circumstances will GMONEY or BNKA ever request your "Personal Secret Key" through any communication channel.
b. GMONEY and BNKA are not responsible for the quality, quantity, or suitability of products or services you purchase from third-party providers through your Electronic Wallet.
c. GMONEY and BNKA will only be responsible for the quality or authenticity of cash received from the “Affiliated Network to GMONEY,” provided that you submit your claim at the moment you receive the money, thus allowing appropriate legal action if necessary.
d. GMONEY and BNKA are not responsible for the cell signal coverage provided by your Mobile Operator, so they cannot guarantee the availability of the Electronic Wallet service in areas without cell coverage.
e. GMONEY and BNKA are not liable for operation rejections due to insufficient electronic money balance in your account (against which any applicable fees are debited), nor for the failure to receive text messages (SMS) or data required to confirm operations, due to issues with the Mobile Operator’s platform; nor are they responsible for service access issues or operation rejections due to phone account debt or insufficient cell line balance in your affiliated cell phone. In all these cases, you, as the client, bear responsibility.
GMONEY and BNKA may implement additional security mechanisms for access and usage of the Electronic Wallet and related products (Prepaid Card), such as dynamic key activation, two-level authentication, and others, which will be communicated to users through support channels and following the guidelines specified in Clause 8 of this contract.
f. GMONEY and BNKA may block your electronic wallet if fraud is suspected in one of our wallets or if fraud is reported by other financial entities. The wallet will be unlocked once the corresponding investigations are concluded.
Can GMONEY and BNKA unilaterally terminate the contract?
Yes, GMONEY and BNKA may close the ACCOUNT, terminate the CONTRACT, or suspend the service by "Blocking" your Electronic Wallet with at least fifteen (15) days’ notice, in the following circumstances:
When the ACCOUNT has a zero balance or has been inactive for at least six (6) months.
Yes, GMONEY and BNKA may immediately close the ACCOUNT, terminate the CONTRACT, or suspend the service by "Blocking" your Electronic Wallet without prior notice, in the following cases:
When operations suggest a risk to our customers' and third parties' economic interests.
If the User behaves in a way that jeopardizes the security of other users, clients, collaborators, or infrastructure in support channels, as determined by GMONEY and BNKA.
In what other circumstances may the issuer terminate the contract unilaterally without your authorization?
GMONEY and BNKA may decide not to contract with or may modify the CONTRACT entered with the user (in aspects other than fees or charges) and may even terminate it without prior notice due to the application of prudential standards issued by the SBS:
Due to considerations related to the client's profile in the anti-money laundering and anti-terrorist financing system.
Due to a lack of transparency by users, defined as cases where GMONEY and BNKA find the information provided or presented by the user before contracting or during the contractual relationship to be inaccurate, incomplete, false, or inconsistent with previously declared or provided information, thereby posing a negative impact on the company’s reputation or legal risk.
In such cases, GMONEY and BNKA will notify the user of the modification or termination of this CONTRACT within seven (7) calendar days following its occurrence. Additionally, based on the aforementioned prudential standards, GMONEY and BNKA may decide not to contract with the user in the future.
IMPORTANT: The user must report any unusual operation if they receive money in their Wallet and do not know the reason or sender through the support channel at BNKA Support. Otherwise, the user may be linked to a possible fraud case.
How do we resolve disputes?
To resolve disputes, conflicts, or controversies with GMONEY and BNKA regarding the contracting and/or provision of services and/or the terms and conditions of this contract, we submit to the jurisdiction of the courts and tribunals corresponding to your domicile as the client.
ANNEX No. 01: AFFILIATION FOR INTEROPERABILITY TRANSFERS
According to the services established in the terms and conditions of the Electronic Wallet mentioned in section 1, the CLIENT may perform interoperable transfers by affiliating to the interoperability service from the electronic wallet and declaring knowledge and acceptance of this Annex as part of the terms and conditions.
The BNKA wallet directory name displayed when selecting the financial institution for sending or receiving money via interoperability will be DALE.
To perform interoperable transfers, the CLIENT must affiliate their phone number to link it to the Electronic Wallet account that will receive funds from the Interoperable Transfer. This affiliation can be removed and re-established at any time with the same or another Electronic Wallet account owned by the client. The CLIENT agrees that: (i) clients from other entities will be able to see the name affiliated with the Electronic Wallet when selecting the destination of the interoperable transfer, and (ii) funds can only be sent to individuals who have correctly affiliated with the receiving entity’s account.
The CLIENT acknowledges that GMONEY and BNKA assume no responsibility for errors or delays in processing Interoperable Transfers due to (i) information provided by the CLIENT, (ii) technological limitations of the CLIENT's devices, or (iii) delays or lack of processing of interoperable transfers due to unpaid fees or other financial obligations to the participating entities.
The CLIENT understands that interoperable transfers involve not only GMONEY and BNKA but also other entities, whether part of the financial system or not. Therefore, GMONEY and BNKA are not responsible for any errors or delays in processing Interoperable Transfers due to causes attributable to third parties.
GMONEY and BNKA declare that interoperable transfers may incur fees, which will be communicated through the Electronic Wallet application. If interoperable transfers cannot be completed due to external reasons, fee refunds and other applicable charges must be coordinated with the receiving entity.
If you are a new Electronic Wallet user, interoperable transfers will be available immediately upon accepting the affiliation through the App and/or Website. Users will have access to interoperable transfers as long as they have the latest version of the Electronic Wallet installed on their smartphone.
| Operations | Channel | Cost per operation | Limits and conditions | ||
|---|---|---|---|---|---|
| Recharges and Withdrawals through Interoperability (Ordinary Interbank Transfers) | Same plaza (1.2) | BNKA Commission (1) Free of charge | Maximum send amount accumulated per day (8) | S/ 1000.00 | |
| Maximum receive amount per operation is 1 UIT. | S/ 5150.00 | ||||
| Maximum receive amount accumulated per day (8) | S/ 18000.00 | ||||
| Destination Financial Entity Commission (1.1) S/ 0.80 | Minimum send amount per operation | S/ 1.00 | |||
| Maximum send amount per operation | S/ 500.00 | ||||
| Other plaza (1.2) | BNKA Commission (1) Free of charge | Maximum send amount accumulated per day (8) | S/ 1000.00 | ||
| Maximum receive amount per operation is 1 UIT. | S/ 5150.00 | ||||
| Maximum receive amount accumulated per day (8) | S/ 18000.00 | ||||
| Destination Financial Entity Commission (1.1) 0.50% (2) | Minimum send amount per operation | S/ 1.00 | |||
| Maximum send amount per operation | S/ 500.00 | ||||
| Exclusive plaza (1.2) | BNKA Commission (1) Free of charge | Maximum send amount accumulated per day (8) | S/ 1000.00 | ||
| Maximum receive amount per operation is 1 UIT. | S/ 5150.00 | ||||
| Maximum receive amount accumulated per day (8) | S/ 18000.00 | ||||
| Destination Financial Entity Commission (1.1) 1.50% (2) | Minimum send amount per operation | S/ 1.00 | |||
| Maximum send amount per operation | S/ 500.00 | ||||
| Purchases | In foreign currency with BNKA Card | 4.70% (4) | Maximum amount per operation | S/ 4,500.00 | |
| In local currency with BNKA Card | Free of charge | Maximum operations per day | 5 | ||
| Make transfers | Between BNKA users | Free of charge | Minimum amount per operation | S/ 1.00 | |
| Maximum amount per operation | S/ 2000.00 | ||||
| Maximum accumulated transfer amount per day | S/ 4,500.00 | ||||
| Maximum operations per day | 5 | ||||
| Pay your services | BNKA Wallet | Free of charge (5) | Minimum amount per operation | S/ 3.00 | |
| Maximum amount per operation | S/ 999.00 | ||||
| Maximum accumulated amount per day | S/ 999.00 | ||||
| Maximum operations per month | 5 | ||||
| Recharge cell phones | BNKA Wallet | Free of charge (5) | Minimum amount per operation | S/ 3.00 | |
| Maximum amount per operation | S/ 100.00 | ||||
| Maximum accumulated amount per day | S/ 1000.00 | ||||
| Maximum operations per day | - | ||||
| Operations | Cost per operation |
|---|---|
| Account opening and virtual card affiliation | S/ 0.00 |
| First physical card | S/ 0.00 |
| Second and subsequent physical cards | S/ 40,00 |
| Balance and transaction inquiries in the App/Web | S/ 0.00 |
| Account inactivity | S/ 0.00 |
| Service payment fee from App/Web | S/ 0.00 |
| Monthly account maintenance (5) | According to BNKA general tariff |
| Annual membership | According to BNKA general tariff |
| Physical card shipping to home - courier (12) | S / 18.00 |
| Physical card shipping to home (province) - courier (12) | S / 28.00 |
| Account closure fee | S/ 0.00 |
| Mobile app management fee | S/ 0.00 |