As a result of the COVID-19 pandemic and in order to facilitate the distribution of economic support granted by the Peruvian State to millions of citizens, the Banco de la Nación launched the initiative to open savings accounts, called ID account. This mechanism allowed Peruvians to receive the bonuses provided by various entities directly into their accounts, which expedited the delivery process and ensured that financial support effectively reached the beneficiaries.
On Thursday, August 20, 2020, through emergency decree No. 098-2020, the measure was approved during the administration of former president Martín Vizcarra. This legal provision allowed the massive, automatic and free activation of a basic individual and digital savings account for millions of Peruvians. The particularity of this process was that an acceptance contract was not required by the owner for the opening of said accountswhich facilitates immediate and barrier-free access to the economic benefits provided by the State.
How do I know if I have an account at Banco de la Nación?
According to the most recent data on the ID account, its activation occurred only with the allocation of a bonus by the State. This implied that, by being a beneficiary of a state subsidy, a savings account was automatically generated at the Banco de la Nación.
However, currently, to obtain detailed information about this account opened in your name under a state decree, it is recommended to visit a bank branch in person.
It is important to note that this account does not imply any type of cost for the owner. Currently, the activation option through digital platforms specifically intended for this purpose is not available.
What is a Banco de la Nación DNI account?
The ID account of the National bank It has these distinctive characteristics:
- It was established without the need for a contract or the explicit approval of the owner.
- It is exempt from maintenance charges.
- No commissions apply for its use.
Additionally, since 2021, a legal regulation specified that the purpose of the ID account It covers the management of payments, refunds or transfers linked to any type of benefit, subsidy, economic benefit or contribution provided by the State, in addition to allowing its use for other related financial activities.
This legal change significantly expanded the spectrum of possible operations through the ID accountwhich allows its usefulness to be enhanced beyond the receipt of temporary assistance.
Source: Larepublica
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