AFP account state consultation: So you can see your contributions and profitability in the private pension system

He Private pension system (SPP) in Peru allows workers to manage their pension fund through pension fund managers (AFP). These entities administer the individual contributions of each affiliate and generate profitability over time. However, many people do not know how to consult their account status or verify if their employers are complying with payments.

To access this information, the AFPs offer various digital platforms that facilitate the monitoring of the accumulated balance and the contribution history. In addition, the Superintendence of Banking, Insurance and AFP (SBS) provides tools for citizens to know in which administrator it is affiliated only with their ID number.

AFP: How can I see my account status?

He AFP account status It is a key document that allows affiliates to know the accumulated balance in its pension fund, the profitability obtained and the contributions made. This report is issued periodically by each AFP and can be consulted in the following ways:

• Digital Platform: Entering the website or mobile application of your AFP with your ID and access key. In the case of AFP integAFP Prima, Profuturo AFP and AFP Habitat, each has an exclusive portal for its affiliates.
• Email: AFPs send the account status to the emails registered every four months. It is important to ensure that the mail address is updated.
• Chatbot or social networks: Some AFP, such as AFP Habitat, allow you to request the account status through its virtual assistant on Facebook.

If when you consult your balance, irregularities in your contributions, you can contact your AFP directly to verify if your employer has complied with the monthly deposits.

What to do if I forgot the key of my AFP account?

If you can’t access your AFP account Because you forgot your web key, you can easily recover it through the digital platform of your pension administrator. To do this, follow these steps:

1. Enter your AFP web or app and select the “Recover key” option.
2. Enter your ID number and the registered email address.
3. Check your inbox and follow the link to generate a new password.
4. If you do not receive the mail, verify in the spam folder or contact your AFP customer service.

How to know what AFP I am with my DNI?

If you do not remember what AFP you are affiliated, the Superintendence of Banking, Insurance and AFP (SBS) offers an online tool that allows you to know this information only with the ID number. To make the consultation, follow these steps:

1. Access the official Portal of the SBS.
2. Go to the “Affiliation Consultation” section.
3. Enter your ID number and confirm your identity with the requested data.
4. Download the report with the name of the AFP to which you belong and check your accumulated balance.

This process is free and can be done at any time. It is advisable to periodically verify your pension situation to ensure that the contributions are being made correctly.

If I start working, how can I join an AFP?

People who begin their working life in Peru must choose between two pension systems: the National Pension System (ONP) and the Private Pension System (SPP). If you opt for an AFP, you can join these steps:

• Digital Via: Enter the AFP web portal of your choice and complete the registration form with your personal data.
• In your work center: Some companies manage the affiliation of their employees directly with an AFP.
• Through the SBS: In case of not having chosen an AFP, the SBS assigns new workers to the administrator with the least current commission.

Once affiliated, your monthly contributions will be 10% of your gross salary and will be allocated to your individual capitalization account (CIC), where they will generate profitability over time.

Differences between AFP and ONP

In Peru, working people can choose between two pension systems: the one administered by the AFPs and the National Pension System (ONP). Next, we show you the main differences between the two:

Private pension system (AFP)

• 10% monthly contribution of the salary.
• A minimum of years of contributions to receive pension are not required.
• The accumulated money in the individual capitalization account (CIC) is personal and can be inherited.
• The pension depends on the accumulated balance and the profitability obtained.

National Pension System (ONP)

• Monthly contribution of 13% of the salary.
• 20 years of contributions are required to access the retirement pension.
• The funds go to a common fund managed by the State.
• If the years of contributions are not fulfilled, a proportional pension can be received.