Tenpo review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Tenpo pairs a no monthly fee account with a remunerated balance that pays 4.4% and hands you a Mastercard. It suits households in Chile that want everyday spending and interest on the same balance.
Key facts
Savings
Credit cards
Facts checked September 26, 2026, 6 sources
Apps and profiles
- Get the app
- App Store
Pros and cons
Pros
- Monthly fee of CLP 0
- Headline rate of 4.4%
- cashback rewards
- Features: multi currency, virtual card and travel
Cons
- Rate type is variable
- Minimum deposit of CLP 50,000
- Support on phone and help centre only
Who it suits
- Households in Chile paying everyday costs from one balance
- Parents setting up a first account for a child
- Travellers who want a virtual card and multi currency balances
Who should look elsewhere
- Anyone who needs a fixed rate, since the rate is variable
- Savers who can leave money elsewhere, as a minimum deposit applies
- Skrill if you want a prepaid card with a wider currency choice
Rates and card terms
The remunerated account pays a variable rate of 4.4% on the balance you hold, and access is easy access, so balance and earnings are available on demand with earnings credited the next day. The account carries a monthly fee of CLP 0. Alongside it sits a credit card with an annual fee of CLP 0 and a prepaid Mastercard card that adds multi currency, virtual card and travel features.
How Tenpo compares
A prepaid option whose monthly fee is €5, so it suits readers who would rather pay a set fee than hold a minimum deposit.
Where Tenpo is available
- Available
- Chile
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What rate does Tenpo pay on the remunerated account?+
The headline rate is 4.4% and it is variable, so the figure can change with market conditions. Earnings are credited to the Tenpo account the next day, and the balance and earnings stay available on demand.
What does it cost to hold a Tenpo account?+
The monthly fee is CLP 0 on the account, and the credit card carries an annual fee of CLP 0. Opening the remunerated account does call for a minimum deposit of CLP 50,000.
Is the money in the account easy to get at?+
Yes, it is an easy access account. Balance and earnings are always available and earnings are credited the next day, so there is no term or notice period to plan around.
What kind of card comes with Tenpo?+
There is a prepaid card on the mastercard network, plus a credit card. The prepaid card brings multi currency, virtual card and travel features, which helps if you spend in more than one currency.
Does spending earn anything back?+
Yes, the rewards type is cashback, so spending returns part of what you spend rather than points or miles. It is a simpler setup for readers who just want money back on everyday costs.
Who is the account aimed at?+
The audience is kids, and the service runs from Chile. That makes it a natural fit for a young person's first account and for parents who want an account in a child's name.
How do you get hold of Tenpo?+
The service is based in Chile and is run by Tenpo Payments S.A.. Help runs on phone and help centre, so you can pick up the phone or work through the help centre.
Sources
- tenpo.cl checked September 26, 2026
Backs: Audience, Headquarters, Monthly fee, Support channels
“Cuenta Remunerada Teenpo - Teenpo <18”
- tenpo.cl/estados-financieros checked September 26, 2026
Backs: Legal entity
“Interim financial statements (unaudited) of Tenpo Payments S.A. as of 30 June 2026”
- tenpo.cl/productos/cuenta-remunerada checked September 26, 2026
Backs: Access terms, Account kind, Headline rate, Minimum deposit, Rate type
“Use it whenever you want: your balance and your earnings will always be available to you”
- tenpo.cl/productos/tarjeta-de-credito/home checked September 26, 2026
Backs: Annual fee, Card kind, Pricing model
- tenpo.cl/productos/tarjeta-prepago-debito-mastercard checked September 26, 2026
Backs: Card type, Features, Card network
“Tarjeta Prepago Debito Mastercard - Cuenta Vista”
- tenpo.cl/tenpesos checked September 26, 2026
Backs: Rewards type
Compiled from 6 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Currency conversion fee, Free ATM withdrawals, Protection.