Multi currency business accounts in Chile

How multi currency works for a business in Chile

Companies that import, export, run software billing in US dollars, or pay overseas contractors need a way to hold and convert currencies without losing too much on each exchange. In Chile there are two practical routes. A digital multi currency account such as Global66 holds several currencies in one place, and a traditional bank offers a dedicated US dollar account alongside foreign trade services known as Comex. As of 25 December 2025 the right choice depends on whether you mainly want low cost cross border payments or a full bank with trade and lending.

Global66 for cross border payments

Global66 offers a business account that holds and converts several currencies including the US dollar and the euro, with no maintenance fee and payments to many destinations. It suits companies that bill or pay across borders and want to avoid converting back to pesos at every step. It has fewer branch and lending services than a bank. As of 25 December 2025, confirm the exact currencies, the conversion cost, and any per transfer fee with the provider.

Bank US dollar accounts and Comex

Traditional banks such as Banco de Chile, BCI, and BancoEstado offer US dollar accounts and Comex services that support imports, exports, and foreign payments, often alongside lending and branch access. The monthly package is usually priced in UF, an inflation indexed unit. This route suits companies that want trade services and credit in one place. As of 25 December 2025, confirm the account currencies, the conversion terms, and the package fee with the provider.

Why Wise Business is not a Chile option today

Wise is a widely used multi currency provider, but as of 25 December 2025 it lists its business account as available in a set of countries that does not include Chile, so a Chile registered company is generally not eligible to open one. This can change over time, so verify your case directly with Wise rather than assuming availability.

What to check before choosing

When comparing multi currency options in Chile, check these points, as of 25 December 2025. Verify with the provider

• The exact currencies you can hold and whether they match where your money comes from and goes.
• The conversion cost and spread, which usually outweighs any monthly fee for a business that exchanges often.
• The extra services you need, such as Comex foreign trade support or lending, which favor a bank route.

How to compare

1. Map the currencies you receive and pay, and how often you convert between them.
2. Compare the conversion spread and any per transfer fee, not just the monthly maintenance fee.
3. Confirm eligibility, the current currencies, and the costs with the provider before you apply, since terms change.