Finthy Chile - Personal Finance Dashboard

Chile’s Financial Ecosystem: Sophisticated but Siloed

Chile has Latin America’s most mature financial system per capita. Chileans actively manage AFP pension funds, choose between APV savings plans for tax benefits, hold Cuenta 2 voluntary savings, and increasingly invest through fintechs like Fintual, Racional, and DVA Capital. Add a Cuenta RUT at BancoEstado for daily transactions, a credit card at Banco de Chile or BCI, and a neobank like MACH or Tenpo for convenience — the average financially active Chilean touches 4-6 different platforms.

The problem isn’t lack of sophistication — it’s that each platform shows only its own slice. Your AFP doesn’t know about your APV. Your Fintual account doesn’t see your BCI credit card balance. And if you hold savings in US dollars or have income from abroad, the fragmentation gets worse.

Finthy brings every piece together in one dashboard: banks, pensions, investments, and foreign accounts.

The Ley Fintech and Open Finance in Chile

Chile’s Ley Fintech (Law 21.521), enacted in 2023, created the legal framework for Open Finance in Latin America. The CMF (Comisión para el Mercado Financiero) is overseeing implementation, with banks required to begin sharing data through standardized APIs.

What this means for Finthy users:

• Today: Connect your Chilean banks via secure file upload. Export your cartola from BancoEstado, Banco de Chile, BCI, Santander, Scotiabank, Itaú, Banco Security, or Banco Falabella, and Finthy processes it automatically
• Coming soon: Once Open Finance APIs go live, Finthy will support automatic sync — connect once and your accounts update in real-time, regulated by the CMF

Finthy is building for Chile’s Open Finance future while giving you a solution that works right now.

AFP, APV, and Cuenta 2 — Finally in One Place

Chile’s pension system is unique in Latin America. Every worker contributes 10% of salary to an AFP (Administradora de Fondos de Pensiones), choosing between five fund types (A through E) based on risk tolerance. On top of that, many Chileans use APV (Ahorro Previsional Voluntario) for the tax benefits — either Régimen A (state bonus of 15%) or Régimen B (tax deduction).

These are powerful savings vehicles, but tracking them requires visiting your AFP’s website, your APV provider’s portal, and your Cuenta 2 separately. Finthy consolidates:

• AFP balance and fund type — see your mandatory pension alongside everything else
• APV contributions and growth — track whether your voluntary savings are on target
• Cuenta 2 — your voluntary savings at the AFP, visible with the rest of your net worth
• Fintual, Racional, or DVA — fintech investments imported alongside traditional accounts

Seeing all of this together changes how you think about retirement planning. Instead of guessing whether you’re saving enough, you know.

Who Uses Finthy in Chile

Professionals Managing CLP and USD

Chilean executives, entrepreneurs, and tech workers increasingly earn bonuses in USD, invest through US brokers (Interactive Brokers, Schwab), or hold savings abroad. Finthy lets you budget across currencies — your peso expenses alongside your dollar holdings, with live exchange rates so you always know your true net worth in either currency.

Venezuelan, Colombian, and Haitian Immigrants

Chile has welcomed hundreds of thousands of immigrants who maintain financial ties to their home countries. If you send remittances, hold savings accounts back home, or receive income from both countries, Finthy connects both sides so you can manage money across two countries from a single screen.

Investors Diversifying Beyond Chile

The Santiago Stock Exchange (Bolsa de Santiago) is relatively small. Many Chilean investors diversify into US ETFs, crypto, or international funds. Finthy tracks both your Chilean investments and your international portfolio together, showing your total asset allocation and net worth with automatic currency conversion.

Budgeting for Chilean Life

Finthy’s categorization engine understands Chilean spending:

• Supermercados — Líder, Jumbo, Santa Isabel, Unimarc automatically categorized
• Farmacias — Cruz Verde, Salcobrand, Ahumada tracked separately from general health
• Transporte — Metro, RED (Transantiago), Uber, Cornershop, and gas stations
• Servicios básicos — Enel, Aguas Andinas, VTR, Entel, and WOM grouped together
• Retail — Falabella, Ripley, Paris, and their credit card payments identified

Set budgets in CLP for daily life. If you hold USD, set a separate dollar budget. Our zero-based budgeting guide walks through how to assign every peso to a purpose — powerful when combined with APV contributions and investment goals.

Security Built for Chilean Standards

Finthy meets the security expectations of Chile’s highly regulated financial system:

• 256-bit AES encryption — data protected in transit (TLS 1.3) and at rest, aligned with CMF requirements for financial data handling
• No credential storage — we never store your Clave Única, banking passwords, or AFP credentials. File uploads are processed and the originals are not retained
• CMF-aligned privacy — your data is handled according to Chilean financial privacy regulations. No transaction data is sold or shared with third parties
• Open Finance ready — when CMF-regulated APIs are available, Finthy will connect through official, audited channels, not screen scraping or credential sharing