Investing from your phone is now common in Chile, and searches show it: on Google, "fintual" gets about 27,100 monthly searches, "racional" 18,100 and "zesty" 2,900, according to Google Ads data pulled through DataForSEO for Chile. This comparison of the best investing apps in Chile in 2026 does not pick a winner: it puts five platforms side by side using five explicit, verifiable criteria, with the costs each one publishes on its website as of November 11, 2026, so each reader can see which fits what they are looking for.
View the data as a table
| Fintual, funds (annual) | 1.19% |
| Racional, per trade | US$0 |
| Zesty, Chilean stocks | 0.15% + IVA |
| Median equity mutual fund | 3.57% |
How we chose the best investing apps in Chile: five criteria
Each criterion can be checked in a public source. We did not use past returns as a criterion, because they depend on the product each person chooses and do not guarantee future results.
- 1. Regulation: whether the company is supervised by the CMF and in what capacity (fund manager, order router or adviser under the Fintech Law 21,521, bank or broker), and who holds the money.
- 2. Published cost: annual fee on assets or fee per purchase and sale, as shown on the platform's website.
- 3. Minimum amount: whether you can start small.
- 4. What you can buy: own funds, index funds, Chilean stocks, US stocks and ETFs.
- 5. Tax benefit: whether it offers APV or instruments under Article 107 of the Income Tax Law.
| App | Regulation and custody | Published cost | Minimum | What you can buy |
|---|---|---|---|---|
| Fintual | General Fund Manager regulated by the CMF; each fund has its own tax ID | 1.19% a year (Risky Norris to Very Conservative Streep funds); 0.49% for APV; stocks: 10 free orders a month, then 0.1% | No minimum | Own funds, APV, stocks |
| Racional | Order router and adviser registered with the CMF (No. 17); no custody: Chilean broker and US broker (SEC, FINRA, SIPC) | US$0 per trade and custody on stocks; index funds from 0.03% a year; buying dollars 0.99% (Free plan) or 0.49% (Pro plan, CLP 5,990 a month) | Not shown on home page | US stocks and ETFs, index portfolios, 107 LIR funds |
| Zesty | Order router registered with the CMF; works with Vector Capital (Chile) and Alpaca Securities (US) | Chilean stocks 0.15% + VAT per amount traded; US 0.3%; no fixed or custody fees | No minimum on Chilean stocks | Chilean and US stocks, ETFs |
| Tenpo Inversiones | Credicorp Capital funds, a CMF-regulated manager | 1.15% a year on the investments page (home page says 1.17%); withdrawals CLP 0 | No minimum | Mutual funds (portfolios) |
| Mercado Pago | Returns through Banco BICE services | Reports returns of up to 5% a year on the balance | Not shown on home page | Available balance earning a return |
Sources: websites of Fintual, Racional, Zesty, Tenpo Inversiones and Mercado Pago, checked on November 11, 2026. Costs may change; check the current terms before investing.
| Fintual | Funds (Risky Norris and others) | 1.19 | 0.00 | Fund manager |
| Fintual | APV | 0.49 | 0.00 | Fund manager |
| Fintual | Stocks (from the month's 11th order) | 0.00 | 0.10 | Fund manager |
| Racional | US stocks and ETFs | 0.00 | 0.00 | Router and adviser |
| Racional | Index funds (from) | 0.03 | 0.00 | Router and adviser |
| Zesty | Chilean stocks (incl. VAT) | 0.00 | 0.18 | Order router |
| Zesty | US stocks | 0.00 | 0.30 | Order router |
| Tenpo | Fund portfolios | 1.15 | 0.00 | AGF funds (Credicorp) |
Best investing apps by profile
- Wants someone else to build the portfolio and not check daily: Fintual funds or Tenpo portfolios charge an annual fee (1.19% and 1.15%) in exchange for managing the investment. It suits people who automate monthly deposits.
- Wants US index exposure at the lowest cost: Racional reports index funds from 0.03% a year and commission-free stocks, but charges to convert pesos into dollars (0.99% or 0.49%).
- Wants to buy Chilean stocks directly: Zesty charges 0.15% + VAT per trade with no fixed costs; it suits those who trade a few times.
- Wants retirement savings with tax benefits: Fintual's APV series charges 0.49% a year; APV and its regimes are covered in best APV 2026.
- Just wants their available balance to earn something: Mercado Pago reports up to 5% a year; it is not the same as investing in stocks or long-term funds.
Does your investment platform want to reach people who compare before investing? See Pauta Financiera's formats.
See advertising optionsHow much fees weigh over 20 years
The difference between paying 0.03% and 3.57% a year looks small, but it compounds through compound interest. The chart shows an exercise, not a forecast: CLP 1,000,000 invested at an assumed gross return of 7% a year, minus each annual cost. At 0.03% it would end at CLP 3,848,043 after 20 years; at 1.19%, CLP 3,094,100; and at 3.57%, the median equity mutual fund cost cited by Racional using CMF data as of June 2026, CLP 1,963,046.
View the data as a table
| Cost 0.03% | Cost 0.49% | Cost 1.19% | Cost 3.57% | |
|---|---|---|---|---|
| Year 0 | $1,000,000 | $1,000,000 | $1,000,000 | $1,000,000 |
| Year 5 | $1,400,587 | $1,370,730 | $1,326,275 | $1,183,675 |
| Year 10 | $1,961,643 | $1,878,901 | $1,759,005 | $1,401,087 |
| Year 15 | $2,747,451 | $2,575,466 | $2,332,925 | $1,658,433 |
| Year 20 | $3,848,043 | $3,530,268 | $3,094,100 | $1,963,046 |
Regulation and tax benefits of investing apps
Not all apps are the same under the law. Fintual is a general fund manager: the money sits in funds with their own tax ID, separate from the company, and if it stopped operating the CMF would transfer or liquidate the funds, according to its website. Racional and Zesty are listed in the CMF's Financial Service Providers Registry under the Fintech Law 21,521: they do not hold the money, which sits in accounts in the client's name at regulated brokers (in Chile by the CMF and in the US by the SEC and FINRA). For readers who want to understand the ETFs bought through these apps, see the guide what an ETF is.
On taxes, several platforms highlight Article 107 of the Income Tax Law: Fintual and Racional state that qualifying instruments currently pay up to 10% capital gains tax and will pay 0% from 2027, and Zesty says the same for Chilean stocks from January 1, 2027. Fintual also offers APV, with a tax benefit or state bonus depending on the regime.
This comparison does not include traditional brokers or bank apps because they do not publish a comparable fee schedule openly, and it does not cover products such as time deposits, which we review in what to invest a million pesos in.
How to start investing with an app in Chile, step by step
- 1. Define the goal and the time frame. An emergency fund, which must stay available, is not the same as savings for 10 or 20 years, which can tolerate drops.
- 2. Check the registration. Look up the company in the CMF's supervised entities search and see in what capacity it is registered.
- 3. Open the account. All five apps verify identity online with your ID card; Zesty, for example, asks you to scan your ID and the process is 100% online.
- 4. Choose the product according to your risk profile. More aggressive funds hold more stocks and swing more; conservative ones hold more fixed income.
- 5. Automate contributions. Investing a fixed amount each month reduces the risk of putting everything in at a bad moment.
- 6. Look at total costs. Add the annual fee, the per-trade fee and, if you invest abroad, the cost of converting pesos into dollars.
One risk to consider in apps that invest in the US is the exchange rate: if the dollar falls against the peso, the investment loses value in pesos even if the stocks do not move, and vice versa. In 2026 the observed dollar ranged from CLP 854 to CLP 994 between its low and its high, according to the Central Bank (see today's dollar). There are also US taxes: according to Fintual, a foreigner is subject to a 15% withholding on dividends or interest.
This information is journalistic and educational, not financial advice. Check the conditions and the total cost (CAE) with the institution before signing up.
Frequently asked questions about investing apps in Chile
What is the best investing app in Chile?
It depends on your profile: for managed funds, Fintual or Tenpo; for US indexes and stocks at the lowest cost, Racional; for Chilean stocks, Zesty. Compare them with the five criteria in this article.
How much does Fintual charge?
1.19% a year on its Risky Norris, Moderate Pitt, Conservative Clooney and Very Conservative Streep funds, and 0.49% on the APV series.
Does Racional charge a commission?
It charges nothing per trade or for custody on stocks; it charges for buying and selling dollars (0.99% Free plan, 0.49% Pro plan), and its index funds cost from 0.03% a year.
Are investing apps safe?
Those in this article state they are regulated or registered with the CMF; check it in the CMF's entity search. Any investment can lose value.
