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Fintual review

Updated September 28, 2026 · SumCue 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

Fintual suits first-time investors in Chile who want a managed portfolio from a small starting amount and a clear single charge. Its management fee of 1.19% sits above the middle of the robo-advisor field, but the monthly fee is free and fund transfers cost nothing.

Key facts

Best for
A first managed portfolio for beginners, starting small and running in an app.
Management fee
1.19%↗
Minimum investment
CLP 0↗
Regulators
Comision para el Mercado Financiero (CMF), Comision Nacional Bancaria y de Valores (CNBV)↗
Account types
Corporate↗
Portfolio types
ETF↗
Legal entity
Fintual Administradora General de Fondos S.A.↗
Headquarters
Chile↗
Support channels
Chat, Email, Help-centre↗
Official website
fintual.cl

Brokers

Minimum deposit
CLP 1↗
Markets
Stocks, ETFs, Funds↗
Deposit and withdrawal fees
Free fund transfers↗
Platforms
Mobile-app, Web↗
Features
Fractional shares, Mobile app, Demo account
Pricing model
Low fees
Audience
Beginners

Savings

Rate type
Variable↗
Access terms
Withdraw any time free of charge; money reaches your bank account within 1 business day↗
Monthly fee
CLP 0↗
Account kind
Easy access↗

Facts checked September 26, 2026, 6 sources

Apps and profiles

Get the app
App StoreGoogle Play

Pros and cons

Pros

  • No monthly account charge and free fund transfers, so the management fee of 1.19% is the only recurring cost to model.
  • Investments start from CLP 0 and deposits from CLP 1, so a first portfolio is cheap to open.
  • A demo account and a mobile app sit in fractional shares, mobile app and demo account, so you can try the mechanics before committing money.

Cons

  • A management fee of 1.19% is heavy next to cheaper robo-advisors and cuts a small portfolio harder than a large one.
  • Support runs on chat, email and help centre only, with no phone line among the options.
  • Retail accounts that lose money sit high across the market, with the middle of the range at 70.15%, and the fee adds a fixed drag on top.
Fintual

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Scored 8.8 / 10 by SumCue.

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Who it suits

  • Beginners in Chile who want a managed portfolio: the stated audience is beginners.
  • Investors starting small who want quick access, since withdrawals carry no charge and reach your bank account within a business day.

Who should look elsewhere

  • Cost-first investors: eToro lists a management fee of 0%, and Empower Personal Dashboard lists 0%.
  • US investors who can commit more at the start: Axos Invest sets a minimum investment of $100.

Fees and currency costs

Fintual charges a management fee of 1.19%, and that is the main ongoing cost to weigh. The good news for small investors is the entry point: you can start investing from CLP 0, so the fee bites less on a starter amount than on a large portfolio. Run the numbers against what you plan to hold before committing.

Who runs it

Fintual is run by Fintual Administradora General de Fondos S.A., based in Chile. Support is offered through chat, email and help centre, so questions can be sent by email, asked in live chat or looked up in the help centre. Anyone who needs to speak to someone on the phone is not covered by those channels.

How Fintual compares

Where Fintual is available

Available
Chile

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does Fintual charge?+

Fintual's ongoing charge is a management fee of 1.19%. There is no monthly account charge and fund transfers are free, so the management fee is the cost to compare against other robo-advisors.

How much do I need to start investing?+

Investments start from CLP 0 and deposits from CLP 1. With fractional shares, a small amount buys part of a share rather than a whole one, which suits a portfolio built a little at a time.

How do I get my money out?+

Withdrawals carry no charge and money reaches your bank account within a business day, so access to savings is quick. The account is structured as easy access, and free fund transfers apply on the way in as well.

What can I invest in?+

The investment options are stocks, etfs and funds, and portfolios are built on an etf basis. That gives you exchange traded funds alongside individual shares and mutual funds, and a demo account is available to try before committing money.

Which platforms can I use?+

Fintual runs on mobile app and web, so a portfolio can be managed from a phone or a desktop browser. The mobile app is the main way to trade, and features are not limited to one device.

Who regulates Fintual?+

Fintual is supervised by Comision para el Mercado Financiero (CMF) and Comision Nacional Bancaria y de Valores (CNBV), the market and banking authorities in Chile. The regulated entity is Fintual Administradora General de Fondos S.A.. Confirm the firm's status on the regulator's own register before handing over money.

Is Fintual aimed at beginners?+

The stated audience is beginners, and the entry point of CLP 0 keeps the first deposit small. The demo account and fractional shares both help you learn the mechanics before putting real money in.

How do I get help?+

Support is offered through chat, email and help centre: live chat, email and a help centre. The help centre is the fastest route for a question about fees or account rules, and live chat and email handle anything more personal.

Sources

  • ayuda.fintual.cl/es/articles/3207275-cual-es-la-comision-... checked September 26, 2026

    Backs: Management fee

    “Fintual charges a 1.19% annual commission on the Very Conservative Streep, Risky Norris, Moderate Pitt and Conservative Clooney funds. In the APV series it is 0.49% annual.”

  • fintual.cl checked September 26, 2026

    Backs: Access terms, Account kind, Headquarters, Minimum investment, Monthly fee, Portfolio types, Rate type, Support channels

    “Kaszek Ventures leads a $15 million round in Chilean asset management startup, Fintual.”

  • fintual.cl/acciones checked September 26, 2026

    Backs: Features, Markets, Platforms

  • fintual.cl/fondos-mutuos checked September 26, 2026

    Backs: Deposit and withdrawal fees, Minimum deposit, Pricing model

    “El traspaso no tiene costo alguno - fondos mutuos”

  • fintual.cl/preguntas-frecuentes checked September 26, 2026

    Backs: Audience, Legal entity, Regulators

    “No hay minimos, prueba hoy”

  • fintual.cl/sociedades checked September 26, 2026

    Backs: Account types

    “Create your company account | Investments for companies - Fintual”

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Investor protection.

Fintual

Fintual

A first managed portfolio for beginners, starting small and running in an app.

8.8/10See alternatives