Fintual review
Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Fintual is a Chilean easy-access savings account with a variable rate and no monthly fee, so it suits savers who want free access to their money rather than a fixed term. Monthly fees sit at CLP 0, and the account runs with no minimum deposit of CLP 0.
Key facts
- Best for
- Saving in Chile with free withdrawals and no monthly fee.
- Rate type
- Variable↗
- Minimum deposit
- CLP 0↗
- Access terms
- Withdraw any time free of charge; money reaches your bank account within 1 business day↗
- Monthly fee
- CLP 0↗
- Account kind
- Easy access↗
- Headquarters
- Chile↗
- Support channels
- Chat, Help-centre↗
- Pricing model
- No monthly fee
- Official website
- fintual.cl
Facts checked September 26, 2026, 1 source
Apps and profiles
- Get the app
- App StoreGoogle Play
- Elsewhere
- LinkedInXinstagram.com
Pros and cons
Pros
- No monthly fee at CLP 0, matching the €0 median across the site
- Withdraw at any time free of charge, with money reaching your bank account within a business day
- Minimum deposit of CLP 0, so there is no floor to open the account
- An easy-access account with a variable rate, the most common setup here at 76.7%
Cons
- The rate is variable, so the return can change rather than stay locked in for a term
- Support runs on chat and help centre only, with no phone line listed
- Regulated by the Comision para el Mercado Financiero (CMF) in Chile, so the account is for Chilean savers
Who it suits
- Chilean residents who want to save without a monthly charge
- Savers who need to withdraw money at any time without a notice period
- Anyone who prefers a variable rate and no minimum deposit
Who should look elsewhere
- AXI Card Tarjeta y Credito, which offers a fixed rate of fixed
- Plazo ES, which also works on a fixed rate of fixed
- Savers who want a phone support line, since Fintual offers chat and help centre
How Fintual compares
Where Fintual is available
- Available
- Chile, Mexico
- Licence in Chile
- Comision para el Mercado Financiero (CMF) (76810627), checked September 26, 2026
- Licence in Mexico
- Comision Nacional Bancaria y de Valores (CNBV), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does Fintual cost to hold?+
There is no monthly charge, with a monthly fee of CLP 0. That matches the site median of €0, and most accounts listed here charge nothing, at 91.7%. Withdrawals are also free.
Is my money protected and who regulates Fintual?+
Fintual is based in Chile, where its headquarters country is CL, and the Comision para el Mercado Financiero (CMF) is listed as the regulator. It holds a CMF commission registration. No deposit protection scheme is stated, so check the terms for how savings are held.
Can I withdraw money whenever I want?+
Yes. You can withdraw at any time free of charge, and the money reaches your bank account within one business day. The account kind is easy-access, so there is no notice period or fixed term to wait out.
Is there a minimum deposit to open an account?+
No floor applies. The minimum deposit is CLP 0, so you can start with a small amount or nothing at all. Easy-access accounts are the most common type on the site, at 76.7%.
Is the interest rate fixed or variable?+
It is a variable rate. That means the return can move rather than staying locked for a set term. Variable accounts make up 79% of the accounts on the site, with fixed rates at 21%.
How do I get help from Fintual?+
Support runs on chat and help centre, which covers chat and a help centre. A phone line is not among the channels listed, so chat is the quickest route for a question about the account.
Which country is Fintual for?+
It is a Chilean provider, with its headquarters country listed as CL, and its regulator is the Comision para el Mercado Financiero (CMF) in Chile. Savers in other markets would need a provider licensed where they live.
Sources
- ayuda.fintual.cl/es/articles/3207275-cual-es-la-comision-... checked September 26, 2026
Backs: Pricing model
- fintual.cl checked September 26, 2026
Backs: Access terms, Account kind, Headquarters, Minimum deposit, Monthly fee, Rate type, Support channels
“Kaszek Ventures leads a $15 million round in Chilean asset management startup, Fintual.”
- cmfchile.cl/institucional/mercados/entidad.php checked September 26, 2026
Backs: Licences
Compiled from 4 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Headline rate, Term, Deposit protection.