Sip: tu billetera digital
InFinance XP
3.3 stars25,044 reviews1,000,000+Free
FinanceEveryoneVersion 5.9.0Updated 8/17/2026, 5:21:31 PM
Open in Store📱 Sip – The digital wallet that gives you back your money
With Sip, your money isn't just managed: it's with you every step of the way. That's why we created a digital financial app that helps you manage your money with control, security, and clarity, all from one place and directly from your phone.
Sip is designed for everyday life. A simple, user-friendly, and easy-to-use experience to organize your expenses, pay, save, and move toward your goals, with the peace of mind that comes from knowing your money is protected.
💳 A financial ecosystem
With Sip, you access a complete ecosystem of financial products, designed to give you everything you need without complications:
• Sip Debit Account
Manage your money, pay everywhere (at POS terminals or with QR codes), transfer to and from Yape/Plin, transfer to other banks, and review your transactions from an easy-to-use digital account.
• Sip Credit Card
Shop in Peru and around the world, control your spending, and access benefits for using your card.
• Savings Accounts
Save flexibly with a competitive rate and access your money when you need it.
• Fixed-Term Deposits
Grow your money clearly, securely, and with transparent terms.
• Personal Loans
Access 100% digital loans, designed for your needs and with installments that fit your budget.
• Insurance
Protection for you and your family.
Benefits that enhance your daily life
With Sip, your money works with you. That's why, when you pay for your purchases with your Sip Credit or Debit Cards, we give you back up to 1% as cashback, so you can accumulate it and pay for your next purchases at plazaVea, Inkafarma, Oechsle, Promart, Makro, and Mass.
Control and security for your peace of mind
Your security is our priority. At Sip, we protect your information and your money with security measures that allow you to use the app with confidence:
• Secure access and identity verification
• Card management from the app
• Transaction notifications
• Support when you need it
With Sip, anything is possible.
Learn about the terms and conditions of our products:
Credit Card Application: Maximum Annual Effective Rate (AER) 180.91% (includes interest, fees, and expenses as per the current fee schedule; 360-day year). Default: the regular Annual Effective Rate (AER) applies according to the fee schedule. The promotional rate does not apply to cash advances or late payment interest. Example: Revolving purchase of S/100 not paid on February 5, 2023 (billing date), with a cutoff date of February 8, 2023: AER 109.83% and revolving interest of S/7.43. Images and installments are for reference only; they may vary depending on the purchase date and payment method. See www.sip.pe.
AML Application: Maximum Annual Effective Cost (TCEA) 107.27% (12 months; 360-day year). Example: withdrawal of S/1,000 in 12 installments of S/125.73; total interest: S/488.98. Requires good payment history and a "Normal" credit rating. Disbursement and installments subject to the Financial Transactions Tax (ITF) (0.005%). Default: late payment interest according to the fee schedule. The approved amount can only be withdrawn in 6, 12, 18, 24, or 36 months. Rate subject to maximum limits set by the Central Reserve Bank of Peru (BCRP). See www.sip.pe.
Cash Loan: Subject to credit evaluation. Maximum Annual Effective Cost (TCEA) 128.11% (360-day year). Requires good payment history and a "Normal" credit rating. Disbursement and installments subject to the Financial Transactions Tax (ITF) (0.005% of the total transaction). Example with Financial Protection Insurance: withdrawal of S/1,000 in 12 installments of S/114.90; total interest: S/378.79; single premium: S/49.50, charged to the card and paid with the first installment. Check or money order: 5% of the disbursement, up to S/75, through physical channels, call center, or digital channels, excluding the Sip website. Default: late payment interest according to the fee schedule. The approved amount can only be withdrawn in 12, 18, 24, 36, 48, or 60 months. Rate subject to maximum limits set by the Central Reserve Bank of Peru (BCRP). See www.sip.pe/documentos-importantes.
Information in accordance with Law No. 28587 and the Market Conduct Management Regulations, SBS Resolution No. 3274-2017.
With Sip, your money isn't just managed: it's with you every step of the way. That's why we created a digital financial app that helps you manage your money with control, security, and clarity, all from one place and directly from your phone.
Sip is designed for everyday life. A simple, user-friendly, and easy-to-use experience to organize your expenses, pay, save, and move toward your goals, with the peace of mind that comes from knowing your money is protected.
💳 A financial ecosystem
With Sip, you access a complete ecosystem of financial products, designed to give you everything you need without complications:
• Sip Debit Account
Manage your money, pay everywhere (at POS terminals or with QR codes), transfer to and from Yape/Plin, transfer to other banks, and review your transactions from an easy-to-use digital account.
• Sip Credit Card
Shop in Peru and around the world, control your spending, and access benefits for using your card.
• Savings Accounts
Save flexibly with a competitive rate and access your money when you need it.
• Fixed-Term Deposits
Grow your money clearly, securely, and with transparent terms.
• Personal Loans
Access 100% digital loans, designed for your needs and with installments that fit your budget.
• Insurance
Protection for you and your family.
Benefits that enhance your daily life
With Sip, your money works with you. That's why, when you pay for your purchases with your Sip Credit or Debit Cards, we give you back up to 1% as cashback, so you can accumulate it and pay for your next purchases at plazaVea, Inkafarma, Oechsle, Promart, Makro, and Mass.
Control and security for your peace of mind
Your security is our priority. At Sip, we protect your information and your money with security measures that allow you to use the app with confidence:
• Secure access and identity verification
• Card management from the app
• Transaction notifications
• Support when you need it
With Sip, anything is possible.
Learn about the terms and conditions of our products:
Credit Card Application: Maximum Annual Effective Rate (AER) 180.91% (includes interest, fees, and expenses as per the current fee schedule; 360-day year). Default: the regular Annual Effective Rate (AER) applies according to the fee schedule. The promotional rate does not apply to cash advances or late payment interest. Example: Revolving purchase of S/100 not paid on February 5, 2023 (billing date), with a cutoff date of February 8, 2023: AER 109.83% and revolving interest of S/7.43. Images and installments are for reference only; they may vary depending on the purchase date and payment method. See www.sip.pe.
AML Application: Maximum Annual Effective Cost (TCEA) 107.27% (12 months; 360-day year). Example: withdrawal of S/1,000 in 12 installments of S/125.73; total interest: S/488.98. Requires good payment history and a "Normal" credit rating. Disbursement and installments subject to the Financial Transactions Tax (ITF) (0.005%). Default: late payment interest according to the fee schedule. The approved amount can only be withdrawn in 6, 12, 18, 24, or 36 months. Rate subject to maximum limits set by the Central Reserve Bank of Peru (BCRP). See www.sip.pe.
Cash Loan: Subject to credit evaluation. Maximum Annual Effective Cost (TCEA) 128.11% (360-day year). Requires good payment history and a "Normal" credit rating. Disbursement and installments subject to the Financial Transactions Tax (ITF) (0.005% of the total transaction). Example with Financial Protection Insurance: withdrawal of S/1,000 in 12 installments of S/114.90; total interest: S/378.79; single premium: S/49.50, charged to the card and paid with the first installment. Check or money order: 5% of the disbursement, up to S/75, through physical channels, call center, or digital channels, excluding the Sip website. Default: late payment interest according to the fee schedule. The approved amount can only be withdrawn in 12, 18, 24, 36, 48, or 60 months. Rate subject to maximum limits set by the Central Reserve Bank of Peru (BCRP). See www.sip.pe/documentos-importantes.
Information in accordance with Law No. 28587 and the Market Conduct Management Regulations, SBS Resolution No. 3274-2017.
Developer email
asistencia@sip.pe
Developer website
https://sip.pe/Released
May 24, 2016
Current version
5.9.0
Android version
7.0
Reviews & Ratings
3.3
out of 5
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1
😕 Lower user ratings overall
25,044 reviewsScreenshots
