BancoEstado CuentaRUT review
Updated September 28, 2026 · HodlCue Editorial Team · Facts checked September 26, 2026
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Our verdict
BancoEstado CuentaRUT is a Chilean debit account for people who want a card that costs nothing to hold and can hold several currencies. The monthly fee is CLP 0, and conversion runs at 1.9%, so spending abroad is where the cost sits.
Key facts
- Best for
- A free-to-hold Chilean debit card for everyday spending and trips abroad.
- Monthly fee
- CLP 0↗
- Currency conversion fee
- 1.9%↗
- Card type
- Debit↗
- Card network
- Visa↗
- Legal entity
- Banco del Estado de Chile↗
- Headquarters
- Chile↗
- Founded
- 1953↗
- Support channels
- Phone↗
- Features
- Multi-currency, Travel
- Audience
- Kids
- Official website
- bancoestado.cl
Facts checked September 26, 2026, 2 sources
Pros and cons
Pros
- Monthly fee of CLP 0 keeps the account free to hold
- Currency conversion fee of 1.9% against a site median of 1%
- Multi-currency and travel features suit spending outside Chile
- Visa network card, the most common card type in this comparison at 73.4% for debit
Cons
- Currency conversion fee of 1.9% ranks 146 of 237 on this site
- Support runs on phone only
- It is a debit card, so it draws on a bank balance rather than holding crypto
Who it suits
- People in Chile who want a free-to-hold everyday debit account
- Travellers from Chile who need more than one currency in the account
- Parents opening a first account for kids, since the account is aimed at kids
Who should look elsewhere
- Anyone who needs crypto balances or self-custody, as this is a bank debit account
- Frequent currency converters, since the conversion fee of 1.9% sits well above 2.2%
- People who want in-app or email help, because support runs on phone
Fees
The CuentaRUT account carries a monthly fee of CLP 0, so holding it costs nothing. Converting between currencies costs 1.9%, which is above the site median of 1% and ranks 146 of 237 brands on that measure. Holders who keep to the peso side of the account and spend from the card avoid conversion entirely.
The company behind it
The card is issued by Banco del Estado de Chile, based in Chile and founded in 1953. It is a state-linked Chilean bank rather than a fintech, and the account is aimed at kids as well as adults. Help is offered over phone, so questions about the card go through a call rather than a chat window.
How BancoEstado CuentaRUT compares
9.0 vs 9.4
9.0 vs 9.0
9.0 vs 8.2
9.0 vs 9.5
9.0 vs 9.6
9.0 vs 9.0
9.0 vs 9.1Bitpanda has a monthly fee of €0 and adds crypto alongside the card, which this debit account does not do.
9.0 vs 8.9
9.0 vs 8.1
9.0 vs 8.2
9.0 vs 9.5
9.0 vs 9.4
9.0 vs 9.2
9.0 vs 9.1
9.0 vs 9.0
9.0 vs 8.9- 9.0 vs 8.8
9.0 vs 8.8
9.0 vs 8.6
9.0 vs 8.5
9.0 vs 8.3
Where BancoEstado CuentaRUT is available
- Available
- Chile
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does it cost to hold a CuentaRUT account?+
The monthly fee is CLP 0, so keeping the account open costs nothing. Money is drawn from the account balance when the card is used, so the real cost sits in how you spend rather than in maintaining it.
How much does it cost to convert currency?+
Currency conversion runs at 1.9%. That sits above the site median of 1% and above the upper quartile of 2.2%, so converting often costs more than it does on most cards here.
What kind of card is it?+
It is a debit card on the Visa network. Debit cards are the most common card type in this comparison, at 73.4%, so the card spends directly from the bank balance.
Can I hold more than one currency?+
Multi-currency is one of the listed features, alongside travel support. That suits trips outside Chile, where a single-currency account would force a conversion on every purchase.
Who is the account aimed at?+
Kids are a listed audience alongside general everyday use. It is a Chilean retail bank account from Banco del Estado de Chile, a bank founded in 1953 and based in Chile.
How do I get help with the card?+
Support runs on phone only. Phone is the one channel listed, which suits anyone who prefers speaking to someone rather than using chat or email.
Does this account hold crypto?+
It is a bank debit account rather than a crypto card, and the debit card spends from a bank balance. None of the listed features cover crypto, staking or self-custody.
Are there free ATM withdrawals?+
No free withdrawal allowance is listed for this account. The site median for free ATM withdrawals is €0, so check the bank's own terms before planning on cash.
Sources
- en.wikipedia.org/wiki/Banco_del_Estado_de_Chile checked September 26, 2026
Backs: Founded, Headquarters, Legal entity
“established through Decree no. 126 of 1953”
- chileatiende.gob.cl/fichas/70638-cuenta-rut-bancoestado checked September 26, 2026
Backs: Audience, Card type, Features, Currency conversion fee, Monthly fee, Card network, Support channels
“can request from age 12”
Compiled from 2 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Free ATM withdrawals, Protection.
BancoEstado CuentaRUT
A free-to-hold Chilean debit card for everyday spending and trips abroad.