# Get your BCP Telecrédito balances through an API

> Read your account balances, the last 180 days of movements, the operations waiting for a signature and your received payments from Telecrédito, one API call each. Or have a workflow email you the morning balances and post yesterday's movements to accounting.

Page: https://fous.com/automate/telecredito
Updated: 2026-11-12

Works with your own Telecrédito account. Fous is an independent product.

## What you can build on Telecrédito

### Get account balances

Reads Consulta de saldos y movimientos (balance and movement inquiry) for every account the company has in Telecrédito.

- Takes: Nothing
- Returns: Account number, account type, currency, balance, as of

### Get account movements

Reads the movimientos (movements) of one account for a date range within the 180 days of history Telecrédito keeps on screen.

- Takes: Account number, from date, to date
- Returns: Date, value date, description, operation number, amount, balance after

### List operations waiting for a signature

Reads the bandeja de firma (signature tray) and the status inquiry: transfers and bulk payrolls that were registered but not yet signed and sent.

- Takes: Operation type (optional)
- Returns: Operation type, registered by, registered on, account, beneficiary or payroll, amount, currency, status

### Get received payments

Reads the Pagos Recibidos (received payments) module for a date range: who paid into the company's accounts and how much.

- Takes: From date, to date
- Returns: Date, payer, account credited, amount, currency, reference

## Automate Telecrédito with a workflow

A [workflow](/product/workflows) runs your methods as one process, with nobody at the screen. A schedule or a call from your own system starts it, the steps run in order, and the result arrives in your inbox or in the systems you already use.

### Morning balances of every BCP account

Starts: Every weekday at 7:30, Lima time

1. Get the balance of every account from Consulta de saldos.
2. Have an AI step group the accounts by currency with a total for soles and one for dollars.
3. Email you the summary with each account's number, type and balance.

### Yesterday's movements, posted to accounting

Starts: Every day at 6:30, Lima time

1. For each account, get yesterday's movements.
2. Stop when no account has any.
3. Post each movement, with its account, operation number and amount, to your ERP's webhook.

### New operations waiting for a signature

Starts: Every hour, Lima time

1. List the operations in the bandeja de firma.
2. Keep the ones that were not there on the last run.
3. Post each one, with its type, amount and who registered it, to your Slack webhook.

You can run a workflow by hand on every plan, Free included. Schedules and webhook triggers come with the paid plans, from $29 a month.

## Once built, one call from your code

Once you have built a [method](/product/methods), it is one POST to /v1/runs from your backend, or a tool an AI agent calls over MCP. This is what “Get account balances” would look like.

Example request:

```
curl https://api.fous.com/v1/runs \
  -H "Authorization: Bearer $FOUS_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "method": "tlcbcp.com/get_account_balances",
    "input": {}
  }'
```

Example response:

```
{
  "status": "completed",
  "data": {
    "company": "Acme Distribuciones S.A.C.",
    "accounts": [
      {
        "account_number": "191-4820193-0-58",
        "account_type": "Cuenta Corriente",
        "currency": "PEN",
        "balance": 248310.75
      }
    ],
    "as_of": "2026-11-12T07:30:00-05:00",
    "count": 1
  }
}
```

An example with invented data, not a ready-made endpoint. The method exists in your organization once you build it, and its name, inputs and fields follow your request.

## Telecrédito’s own options

BCP's Telecrédito pages describe no API for clients. Its machine channel is Telecrédito Host to Host: payment, transfer and Confirming files sent to the bank over SFTP, and collection files received back, under a contract and with your own ERP. Balances and movements are read in Telecrédito Web, where movements and statements can also be downloaded.

| Option | What it covers | What it takes |
| --- | --- | --- |
| Telecrédito Host to Host | Sends bulk payments (payroll, suppliers, CTS), transfers and Confirming as files over SFTP, and returns CREP and CDPG collection files. | Telecrédito Web active, an SFTP server, an ERP that builds the files, and a signed contract. The connection is set up 1 week after signing. |
| Telecrédito Móvil | Telecrédito on a phone, including sending operations with the Clave Digital Token. One open session on one device at a time. | Telecrédito Web access, iOS 15 or Android 11, and the same card, clave and Token as the web. Free to download. |
| Telecrédito Web by hand | Saldos y movimientos with 180 days of history, downloads of movements and statements, payments, transfers and the signature trays. | An active BCP current or savings account and a signed affiliation contract. A monthly commission is charged between the 26th and 28th. |

Read on November 12, 2026: [Telecrédito Host to Host (BCP)](https://www.viabcp.com/empresas/host-to-host), [Telecrédito Web (BCP)](https://www.viabcp.com/empresas/telecredito-web), [Telecrédito Móvil (BCP)](https://www.viabcp.com/empresas/telecredito-movil).

## Signing in to Telecrédito

Telecrédito signs each user in with the number of their Tarjeta de Acceso Empresarial and a 6-digit clave de usuario. Sending an operation to the bank also needs the company's Clave Digital Token. With Fous you sign in once through Telecrédito's own sign-in with your own card and clave, the login is sealed with AES-256, and a method reads only what your user can see.

## Worth knowing

- **Sending an operation needs the Token**: Transfers and payrolls are signed and sent from the bandejas de firma (signature trays), and sending an operation to the bank needs the company's Clave Digital Token.
- **180 days of movements on screen**: Saldos y movimientos shows history up to 180 days back. A method that reads movements takes a date range inside that window.
- **Queries run 24x7, operations do not**: Balance and movement inquiries are available 24x7. BCP lists operations from 7:00 to 20:30 on weekdays and 7:00 to 15:00 on Saturdays.
- **The security user controls access**: Each company's usuario de seguridad (security user) activates the contract and requests changes to users, their access levels and limits through Configuración.

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## Frequently asked questions

### Does Telecrédito have an API?

Not one BCP describes for clients. BCP's automated channel is Telecrédito Host to Host, which exchanges payment, transfer, Confirming and collection files with your ERP over SFTP under a contract. Balances and movements are read in Telecrédito Web, where they can also be downloaded.

### How far back can I see movements in Telecrédito?

Up to 180 days in Saldos y movimientos. Telecrédito also has a download of movements and account statements.

### What does Host to Host need?

An active Telecrédito Web, an SFTP server and an ERP that generates the files in the Host to Host structures, plus the signed Host to Host contract. Either you connect to BCP's SFTP server or BCP connects to yours. Files are encrypted with PGP or OpenSSL.

### How do I sign in to Telecrédito?

With the number of your Tarjeta de Acceso Empresarial and your 6-digit clave de usuario. The same card and clave work in Telecrédito Móvil. The access kit from BCP holds a card for each user and a Token device for the company.

### Is Fous affiliated with Banco de Crédito del Perú (BCP)?

No. Fous is an independent product. You use it with your own Telecrédito access, and a method reads and does only what your user can.

Fous is an independent product: it is not affiliated with, endorsed by or sponsored by the operator of Telecrédito (Banco de Crédito del Perú (BCP)). The name is used only to say which system this page is about. Something here wrong or out of date? Write to legal@fous.com.