What is AFP and Why Is It Important to Know Your Balance?
The Administradora Privada de Fondos de Pensiones (AFP), or Private Pension Fund Administrator, is a financial institution responsible for managing the retirement savings of workers enrolled in Peru’s private pension system. Unlike the public regime (ONP), AFPs offer different investment fund options and variable returns based on market performance.
Knowing your AFP balance is crucial because it represents the total amount you’ve accumulated throughout your working life. This will directly impact the size of your future pension. Understanding how to check your AFP balance allows you to make informed decisions about changing funds, reviewing commissions, or even transferring between pension regimes.
Who Can Check Their AFP Balance?
Anyone affiliated with an AFP in Peru can access their balance. This includes:
- Dependent workers
- Independent workers
- People who have stopped contributing but remain affiliated
- Retirees who want to verify their amounts
Your AFP information is personal and confidential, so only the account holder can access it using secure credentials or official identification documents like your DNI (National Identity Document).
Methods to Check Your AFP Balance in Peru
There are several ways to check your AFP balance. Below, we explain each method step by step:
1. Online Consultation via Your AFP’s Official Website
This is the most convenient and fastest way. Follow these steps:
Step 1: Visit the Official Website of Your AFP
The main AFPs in Peru are:
- AFP Horizonte
- AFP Integra
- AFP Prima
- AFP Profuturo
- AFP Habitat
Go to the official website of your AFP. For example, if you’re registered with Profuturo, visit www.profuturo.com.pe.
Step 2: Log In Using Your Credentials
You’ll need your DNI number and a personal password. If you don’t have one yet, you can generate it using your DNI and answering security questions.
Step 3: Access Your Account
Once logged in, you’ll see your updated balance, contribution history, fund type, applied fees, and other benefits.
Advantages:
- Available 24/7
- No need to go to physical offices
- You can print or download your statement
2. Mobile App Consultation
All AFPs offer free mobile apps for Android and iOS devices. These apps allow you to:
- View your real-time balance
- Run pension simulations
- Review monthly transactions
- Easily switch funds
- Receive important notifications
Steps to Use the App:
- Download the app from Google Play or App Store (e.g., “AFP Profuturo” or “AFP Integra”).
- Register with your DNI and create a secure password.
- Log in to your profile and select the “My Balance” option.
3. Calling Customer Service
If you prefer speaking to someone, you can call your AFP’s customer service center. An advisor will help you check your balance after verifying your personal data and DNI.
Contact Numbers for Major AFPs:
| AFP | Phone Number |
|---|---|
| AFP Profuturo | (01) 616 – 8000 |
| AFP Integra | (01) 202 – 8000 |
| AFP Prima | (01) 708 – 9000 |
| AFP Horizonte | (01) 311 – 8000 |
| AFP Habitat | (01) 313 – 8000 |
Note: Some numbers may require area codes or must be dialed from a mobile phone.
4. In-Person at an Office
Another way to check your balance is by visiting a local AFP office. There, you can request a printed copy of your account or receive personalized advice.
Requirements:
- Valid original DNI
- Affiliation code (if available)
- Request form (in some cases)
5. Through the Ministry of Labor Platform
The Ministry of Labor and Employment Promotion (MTPE) offers an online tool where you can review your labor history, including AFP contributions.
Visit the portal: https://portal.movilidadlaboral.gob.pe/
How to Interpret Your AFP Statement
When you check your AFP balance, you also get access to your AFP statement, which contains key information. Here’s how to read it:
Basic Information:
- Full name and DNI: Personal details of the affiliate
- Enrollment date: When you joined the system
- Current AFP: Name of the administrator
- Pension fund: Fund A, B, C, or D, depending on your risk profile
Financial Details:
- Total balance: Amount accumulated to date
- Mandatory contributions: Contributions made by you and your employer
- Returns generated: Gains from investments
- Fees: Management costs charged by your AFP
Available Options:
- Pension simulation: Estimate your future pension
- Fund transfers: Change funds based on age or preferences
- Pending requests: Like changing AFPs or other procedures
What to Do If You Find Errors in Your AFP Balance
Sometimes, when reviewing your statement, you may notice discrepancies such as:
- Missing reported contributions
- Incorrect fees
- Wrong personal data
In such cases, contact your AFP immediately through:
- Online chat
- Customer service phone line
- Visiting an office in person
If you don’t receive a timely response, file a formal complaint with the Superintendencia de Banca, Seguros y AFP (SBS), which oversees these institutions.
How Does the Chosen Fund Affect Your Final Balance?
AFPs offer four types of pension funds (A, B, C, and D), differing mainly in risk level and expected return:
| Fund | Risk Level | Recommended Profile |
|---|---|---|
| A | High | Young people (under 30 years) |
| B | Medium-high | Young adults (30–40 years) |
| C | Medium-low | Older adults (40–50 years) |
| D | Low | Close to retirement |
Your fund choice directly affects the profitability of your savings. The younger you are, the more risk you can afford since you have more time to recover potential losses.
Can You Switch Funds or AFPs?
Yes, you have the right to change funds or AFPs whenever you wish. However, there are some restrictions:
Changing Funds:
- Free and open choice
- Can be done once every 6 months
- Must meet age requirements set by law
Changing AFP:
- Can only be done once every 6 months
- It is free
- You must submit a formal application to the new AFP either online or in person
How to Check Your AFP Balance If You’re a Foreigner or Living Abroad
Foreign citizens affiliated with an AFP in Peru can also check their balance, provided they have a valid Peruvian DNI or Foreigner ID card.
If you live abroad, use the same digital channels (website or app). If you encounter technical difficulties, contact the SBS Virtual Assistance Center or send a formal letter to your AFP requesting information.
Is It Safe to Check My AFP Balance Online?
Yes, all AFP digital systems are protected with SSL security protocols and two-factor authentication. Additionally:
- Your personal data is protected under the Data Protection Law
- Platforms are monitored by the SBS
- Avoid logging in from public networks or unsecured devices
What Other Tools Do AFPs Offer?
Besides checking your balance, AFPs provide additional services such as:
- Pension simulators: To estimate your future pension
- Financial education: Workshops and guides on retirement planning
- Personalized advice: Via chat, email, or in person
- Family services: Checking balances of spouses or adult children
Tips to Protect and Increase Your AFP Balance
To ensure a dignified retirement, it’s important to manage your pension funds wisely. Here are some useful tips:
- Check your balance regularly to detect errors or irregularities
- Choose the right fund based on your age and risk profile
- Make voluntary contributions if you want to increase your future pension
- Avoid long periods without contributions
- Stay informed about bonuses and government programs
Frequently Asked Questions (FAQ)
Can I Check My AFP Balance Without a Password?
No, to access your AFP balance securely, you need a personal password. If you don’t have one, you can generate it using your DNI and answering security questions.
Is It Possible to Check My AFP Balance via WhatsApp?
Some AFPs offer customer service via WhatsApp Business. Be sure to verify the official number of your AFP to avoid scams.
How Do I Get an AFP Balance Certificate?
You can request it through your AFP’s web portal, downloading it as a PDF, or by asking for it at a physical office.
What Happens If I Have Balances in More Than One AFP?
This can happen if you’ve changed AFPs multiple times. You can consolidate your funds when you retire or stop contributing.
Can I Check My AFP Balance Using the CUSPP Number?
Yes, the CUSPP (Código Único del Sistema Privado de Pensiones) is another identifier you can use to locate your account and perform checks.
How Is the Pension Calculated Based on the AFP Balance?
The pension is calculated by dividing the accumulated balance by an actuarial factor that depends on your age at retirement. AFPs offer simulators to calculate this value.
Want to stay informed about your financial future? Check your AFP balance regularly and take control of your retirement. With this complete guide, you now know how to do it easily, securely, and quickly.
Start today!
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