Chile has an active digital finance sector, but the providers most used for a business account are Mercado Pago for collection and everyday flows and Global66 for cross border payments through its Cuenta Global para Empresas. Larger neobanks such as Tenpo and MACH focus mainly on personal accounts. Digital providers suit fast online opening and low cost flows, with a narrower range than a bank. Traditional banks such as Banco de Chile, BCI, and BancoEstado remain the choice for cash handling and foreign trade.
- Maintenance fee
- Mercado Pago and Global66 generally charge no monthly maintenance fee. Confirm with the provider.
- Best for
- Fast online opening, low cost collection, and everyday business flows.
- Trade off
- A narrower range than a bank, for example fewer cash handling and Comex foreign trade services.
- Who can open
- A company registered in Chile with a RUT is normally required. Verify with the provider.
General information, not financial, legal, or tax advice. Verify current terms and eligibility with the provider before applying.
Digital providers and neobanks in Chile
Chile has one of the more developed digital finance sectors in the region, and Tenpo is the largest neobank by user numbers. For business accounts, though, the digital options most companies use are Mercado Pago, which is widely used to collect payments and run everyday flows, and Global66, which offers a Cuenta Global para Empresas built for cross border payments and holding foreign currency. As of 14 October 2025, neobanks such as Tenpo and MACH, the digital account from BancoEstado, are aimed mainly at personal customers, so confirm what each provider offers for a registered company before you apply.
What they suit
Digital providers tend to fit businesses that want fast online opening, low cost collection, and simple everyday flows handled on a phone. Mercado Pago is often strong for receiving payments, while Global66 helps companies that bill or pay across borders. As of 14 October 2025, the trade off is usually a narrower range than a bank, for example fewer cash handling services and no Comex foreign trade desk. For a business that needs those, a bank such as Banco de Chile, BCI, or BancoEstado may fit better, often for a monthly package fee.
How to choose between digital and traditional
- List the services you actually use, including collection, transfers, cards, cash handling, and any foreign trade needs.
- Compare the no maintenance fee digital account against the broader service range of a traditional bank.
- Confirm the opening requirements, the limits, and the current fees with the provider before you apply.
Questions about online accounts and neobanks in Chile
Which neobanks offer business accounts in Chile?
Are digital business accounts free in Chile?
Can a neobank replace a traditional bank for my business in Chile?
Do digital providers in Chile require a RUT?
Fees, features, and eligibility change and vary by region. This page was last reviewed on 14 October 2025. Confirm current terms with the provider before applying.