Best Digital Banks in Chile 2026
CMF-supervised banks for Chilean residents.
✅ CMF Regulated
🇨🇱 CMF Supervised
🛡️ Chilean DGS Protected
🔬 Tested with real accounts
🔄 Last updated: July 2026 · Reviewed by WhichBrokr Research Team
⚠️ Risk warning: Investing involves risk of loss. Capital is not guaranteed. Some links on this page are affiliate links — this does not affect our rankings.
⚡ No time to read? Our top picks for Chile
Mercado Pago — Popular platform for banks in Chile.
MACH — Popular platform for banks in Chile.
BCI — Popular platform for banks in Chile.
Banco de Chile — Popular platform for banks in Chile.
Top 4 Best Digital Banks in Chile — Detailed Reviews
A leading platform in Chile for banks.
Investing involves risk of loss. Capital is not guaranteed.
A leading platform in Chile for banks.
Investing involves risk of loss. Capital is not guaranteed.
A leading platform in Chile for banks.
Investing involves risk of loss. Capital is not guaranteed.
A leading platform in Chile for banks.
Investing involves risk of loss. Capital is not guaranteed.
How to Get Started with Best Banks in Chile
1
Choose a regulated platform
Pick a bank regulated by CMF or operating under an international licence. All platforms on this page qualify.
2
Open your account
Account opening is fully online. You'll need a photo ID (passport or national ID) and proof of address. Most platforms verify within 1–2 business days.
3
Fund your account
Deposit via bank transfer (free, 1–3 days) or debit card (instant, small fee). Minimum deposits vary — most top platforms start from CLP0.
4
Start investing
Set up your account, order a card and link your savings goals.
🇨🇱 Chile: Country Environment Blueprint
Primary Banking Regulator
CMF / BCCh (Comisión para el Mercado Financiero)
Deposit Protection
90% of deposits up to UF 108 per depositor (Chilean Deposit Guarantee)
Neobank Passporting
International neobanks may need local registration. Verify licences before opening an account.
Recommended for Most
A free current account with a Visa/Mastercard, SEPA/SWIFT transfers, and mobile app. Revolut and N26 meet this for most countries.
For Savings
Savings rates vary. Compare rates on government-backed savings accounts first before using neobank savings vaults.
For International Spenders
Revolut or Wise — lowest FX fees, multi-currency accounts, free ATM withdrawals up to monthly limits.
FX & Transfers
International wire transfers typically cost $15–$50. Use Wise or Revolut for cheaper multi-currency transfers.
Best for Zero-Fee FX
Revolut (free FX up to monthly limit at interbank rate). Wise (0.4–0.6% FX fee, no markup).
Traditional Bank Wire
Usually €15–€40 SWIFT fee + 2–4% FX markup. Avoid for regular international transfers.
Digital Banking Adoption
Fintoc, Khipu and Transferencias electrónicas are dominant payment methods. Chek (Entel/Bci) is a popular payment app.
Instant Payments
Real-time payment availability varies by country and bank. Check with your specific provider.
What Chile Investors Need to Know in 2026
BancoEstado (state-owned) is Chile's most widely accessible bank. Nubank Chile expanding. Fintoc enables open banking connections.
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How we chose these platforms
Our team opened real accounts, deposited funds and tested each platform in Chile. We evaluate regulation quality, fees (commissions, spreads, FX conversion), platform usability, customer support response times and local features specific to Chile investors. Rankings are updated regularly.
Frequently Asked Questions