A solid financial system is beneficial to growth of countries; by enabling households to have financial instruments and to develop their financial capacities, those allow a greater economic welfare and encourage the development of financial markets, contributing to the reduction of poverty and inequality. In this sense, this paper proposes a methodology that helps to know the evolution of access to financial services using the National Household Survey on Living and Poverty (ENAHO) conducted by the National Institute of Statistics and Informatics of Peru between 2004 and 2014. Then, also with the ENAHO database, we analyze the determinants of access to financial services; we find a positive relationship between income, education, and age with the level of access to financial services, and a negative relationship between those living in rural areas and in extreme poverty.