Banking
Chile — Banking: Online Banks
Digital options in Chile include BancoEstado CuentaRUT and CMF-licensed fintechs such as Tenpo, Mercado Pago and Migrante.
VerifiedProfessional tax guide — not a government sourceGolden Harbors, bank account in Chile (commercial source, 2026 approximate fees)Last reviewed: 2026-10-26
Key facts
- BancoEstado CuentaRUT is open to any RUT holder with a debit card, online banking, no fees in the basic tier and a capped balance.
- Tenpo, Mercado Pago and Migrante are CMF-licensed fintechs under Law 21.521 of 2023 with digital onboarding; Tenpo offers CLP and USD wallets.
- Traditional banks such as Santander, Banco de Chile and BCI also operate online banking.
- Fintech fees were not listed in the source.
Steps
- Researching Online Banks — Researching online banks in Chile can be challenging due to the limited availability of information. You may need to contact individual banks directly to inquire about their online banking services.