Tenpo review
Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Tenpo offers a variable rate of 4.4% and a CLP 0 monthly fee, so it suits younger savers in Chile who want their money accessible. The trade-off is a CLP 50,000 minimum balance and a rate that can move, which suits students and first-time savers more than anyone chasing the highest return.
Key facts
- Best for
- A first savings account for teens in Chile, fee-free each month and accessible on demand.
- Headline rate
- 4.4%↗
- Rate type
- Variable↗
- Minimum deposit
- CLP 50,000↗
- Access terms
- On demand; balance and earnings always available, earnings credited the next day to the Tenpo account↗
- Monthly fee
- CLP 0↗
- Account kind
- Easy access↗
- Legal entity
- Tenpo Payments S.A.↗
- Headquarters
- Chile↗
- Founded
- 2020↗
- Support channels
- Email, Chat, Phone, Help-centre↗
- Pricing model
- No monthly fee
- Official website
- tenpo.cl
Everyday accounts
Money transfer
Facts checked September 26, 2026, 8 sources
Apps and profiles
- Get the app
- App StoreGoogle Play
- Elsewhere
- LinkedInthreads.net
Pros and cons
Pros
- Balance and earnings are always available, with interest credited to the account the next day
- Currency conversion costs 0%, and bank transfers, transfers between friends and transfers to a new contact carry no commission
- Support runs on email, chat and phone
- ATM withdrawals on the prepaid debit card cost CLP 0
Cons
- The rate type is variable, so the return can move
- Interest starts from a CLP 50,000 minimum balance
- A transfer can take 24 to 72 business hours for the recipient to receive the money
Who it suits
- Teens and students in Chile: the stated audience is teen
- Anyone saving without a monthly charge, at CLP 0 a month
- Savers who want access on demand, since the account kind is easy access
Who should look elsewhere
- Anyone whose priority is a much higher rate than Tenpo's 4.4%: Plazo ES lists 24.19%
- Chasers of the biggest return: AXI Card Tarjeta y Credito lists 21.59%
- People happy with a smaller return and fewer savings extras: PayPal Colombia lists 3.3%
How Tenpo compares
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Where Tenpo is available
- Available
- Chile
- Licence in Chile
- Comision para el Mercado Financiero (CMF), Chile, checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does Tenpo cost to run?+
The monthly fee is CLP 0, and the model is no monthly fee. Currency conversion is charged at 0%, while bank transfers, transfers between friends and transfers to a new contact carry no commission at all.
How much interest does Tenpo pay, and can it change?+
The remunerated account pays a variable rate, currently 4.4%. Because the rate type is variable, the amount can move, so the account suits money you may want to draw on. Interest is credited the next day to the Tenpo account.
Who regulates Tenpo in Chile?+
Tenpo is run by Tenpo Payments S.A. in CL and sits under the supervision of the Comision para el Mercado Financiero (CMF). The account is on demand, so balance and earnings are always available. Read the current terms for how your money is safeguarded.
How much do I need to open the account?+
You need a minimum balance of CLP 50,000 for the remunerated account, and the account kind is easy access. Money is available on demand, with balance and earnings always accessible, and interest credited the next day.
How do I get help from Tenpo?+
Support runs on email, chat and phone, so you can reach the team by email, chat or phone, or browse the help centre at your own pace. That range of channels suits a digital account aimed at younger customers, where most questions start in the app.
What do card and ATM use cost?+
The prepaid debit card charges a CLP 0 fee for ATM withdrawals, and currency conversion costs 0%. Payouts run to a bank account or cash pickup, the methods set out in bank and cash pickup.
Who is the account built for?+
The stated audience is teen, and Tenpo was founded in 2020. It suits younger Chilean customers starting a first balance, with a CLP 0 monthly fee and next-day interest crediting keeping the account simple to run.
How long do transfers take to arrive?+
Transfers can take 24 to 72 business hours for the recipient to receive the money, so allow time when a payment matters. Bank transfers, transfers between friends and transfers to a new contact carry no commission, and interest lands in the account the next day.
Sources
- soporte.tenpo.cl/hc/es-419/articles/13930181475227--Cu%C3... checked September 26, 2026
Backs: Delivery time
“Each destination has its own delivery time, which can vary between 24 and 72 business hours”
- tenpo.cl checked September 26, 2026
Backs: Audience
- tenpo.cl checked September 26, 2026
Backs: Support channels
“Visit our help centre or message us on Whatsapp; Chat with us, 600 006 1110, ayuda@tenpo.cl - customer service available 24/7”
- tenpo.cl/estados-financieros checked September 26, 2026
Backs: Legal entity
“Interim financial statements (unaudited) of Tenpo Payments S.A. as of 30 June 2026”
- tenpo.cl/nosotros checked September 26, 2026
Backs: Founded
- tenpo.cl/primer-neobanco checked September 26, 2026
Backs: Headquarters, Pricing model, Monthly fee, Licences
“We are the first neobank in Chile authorised by the CMF (Comision para el Mercado Financiero)”
- tenpo.cl/productos/cuenta-remunerada checked September 26, 2026
Backs: Access terms, Account kind, Headline rate, Minimum deposit, Rate type
“Use it whenever you want: your balance and your earnings will always be available to you”
- tenpo.cl/productos/tarjeta-prepago-debito-mastercard checked September 26, 2026
Backs: Free ATM withdrawals, Currency conversion fee, Transfer fee
- tenpo.cl/productos/transferencia-al-extranjero checked September 26, 2026
Backs: Payout methods
“To Venezuela: under 24 business hours for bank accounts or cash at branches”
Compiled from 9 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Term, Deposit protection.
Related by the facts
Tenpo
A first savings account for teens in Chile, fee-free each month and accessible on demand.