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MACH review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

MACH pairs a headline rate of 4.6% on an easy access savings account with a CLP 0 monthly fee, so the whole offer is a single rate and no account charge. It suits savers in CL who want money back on demand and a debit card to spend it from.

Key facts

Best for
Saving in CL at a solid variable rate with no account fee and access on demand.
Headline rate
4.6%↗
Rate type
Variable↗
Access terms
Flexible savings account: money available at any time with no restrictions, interest paid into the account within the first 5 business days of the following month; deposits and withdrawals after 14:00 or on weekends count the next business day↗
Monthly fee
CLP 0↗
Account kind
Easy access↗
Legal entity
MACHBANK de Bci↗
Headquarters
Chile↗
Founded
2017↗
Support channels
Phone, Help-centre↗
Pricing model
No monthly fee
Official website
machbank.cl

Debit cards

Card type
Debit↗
Card network
Mastercard↗
Features
Multi-currency, Virtual card

Facts checked September 26, 2026, 4 sources

Apps and profiles

Get the app
App Store
Elsewhere
LinkedInXyoutube.cominstagram.com

Pros and cons

Pros

  • Headline rate of 4.6% sits above the site median of 3% on easy-access money
  • Monthly fee of CLP 0 and a no monthly fee pricing model on the savings account
  • Money is available at any time with no restrictions on the account
  • A debit card on the mastercard network comes with multi currency and virtual card

Cons

  • The variable rate can move rather than being locked for a term
  • Interest lands in the account rather than paying out to another account
  • Support runs on phone and help centre only
MACH

Ready to try MACH?

Scored 8.6 / 10 by SumCue.

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Who it suits

  • Savers in CL who want a variable rate above the site median of 3%
  • Anyone holding cash who needs access without notice or penalty
  • People who want a savings balance and a debit card in one place

Who should look elsewhere

  • Anyone chasing a fixed return over a term, where the variable rate can fall
  • Wise or bunq, if you want a larger brand name to hold the balance
  • Finteres, if term products matter more to you than easy access

The company behind it

MACH runs as MACHBANK de Bci, based in Chile and founded in 2017. The savings account is priced as a no monthly fee product with a CLP 0 monthly fee, and the account is easy-access rather than tied to a term. Anyone who gets stuck can reach the team on phone and help centre.

How MACH compares

Where MACH is available

Available
Chile

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

Frequently asked questions

What rate does MACH pay on savings?+

The account pays a headline rate of 4.6%, and the rate type is variable, so it can change rather than being fixed. The account kind is easy access. That sits above the site median headline rate of 3%.

Is there a monthly fee on the account?+

There is no monthly charge: the monthly fee is CLP 0 and the pricing model is no monthly fee. Nothing in the terms points to a charge for holding the balance, so the interest is the return on the money rather than the fee.

Can I get my money out when I need it?+

Yes. The account is easy-access, with money available at any time and no restrictions on withdrawals. Interest is paid into the account within the first few business days of the following month, and deposits or withdrawals after a set time or at the weekend count the next business day.

What card comes with the account?+

The account comes with a debit card on the mastercard network, and the card features include multi currency and virtual card. That means spending and savings sit under the same roof, with multi-currency and virtual-card options listed among the card features.

How is the account supported?+

Support runs on phone and help centre. There is a phone line and a help centre to work with, which is narrower than a live chat or email setup, so it helps to have your account details to hand before calling.

How does MACH compare on rate against the alternatives?+

MACH's 4.6% is well ahead of bunq at 3.01% and Wise at 3.29%. Finteres offers a range of 0% to 36%, so it competes more on term products than on a single easy-access rate.

Which company runs the account?+

The account is provided by MACHBANK de Bci, a bank based in Chile that was founded in 2017. The savings account and the debit card are both part of that same setup rather than separate providers.

Is the rate locked for a fixed term?+

No. The rate type is variable, so the 4.6% can move in either direction and there is no term to run. The account kind is easy access, which suits holding cash rather than committing to a fixed-rate product.

Sources

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Term, Minimum deposit, Deposit protection.

MACH

MACH

Saving in CL at a solid variable rate with no account fee and access on demand.

8.6/10See alternatives