Fintual review

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

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Our verdict

Fintual fits beginners who want a managed ETF portfolio rather than placing their own trades, and its management fee of 1.19% on the corporate account sits above the robo-advisor median. With headquarters in Chile, it works as a single-market option for Chilean savers rather than a choice for UK or European investors.

Key facts

Best for
Beginners in Chile wanting a managed ETF portfolio and a low-fee model.
Management fee
1.19% (Source, checked September 26, 2026)
Minimum investment
CLP 0 (Source, checked September 26, 2026)
Regulators
Comision para el Mercado Financiero (CMF), Comision Nacional Bancaria y de Valores (CNBV) (Source, checked September 26, 2026)
Account types
Corporate (Source, checked September 26, 2026)
Portfolio types
ETF (Source, checked September 26, 2026)
Legal entity
Fintual Administradora General de Fondos S.A. (Source, checked September 26, 2026)
Headquarters
Chile (Source, checked September 26, 2026)
Support channels
Chat, Email, Help-centre (Source, checked September 26, 2026)
Official website
fintual.cl

Brokers

Minimum deposit
CLP 1 (Source, checked September 26, 2026)
Markets
Stocks, ETFs, Funds (Source, checked September 26, 2026)
Regulators
Comision para el Mercado Financiero (CMF), Comision Nacional Bancaria y de Valores (CNBV) (Source, checked September 26, 2026)
Deposit and withdrawal fees
Free fund transfers (Source, checked September 26, 2026)
Platforms
Mobile-app, Web (Source, checked September 26, 2026)
Account types
Corporate (Source, checked September 26, 2026)
Legal entity
Fintual Administradora General de Fondos S.A. (Source, checked September 26, 2026)
Headquarters
Chile (Source, checked September 26, 2026)
Support channels
Chat, Email, Help-centre (Source, checked September 26, 2026)
Features
Fractional shares, Mobile app, Demo account
Pricing model
Low fees
Audience
Beginners

Apps and profiles

Get the app
App StoreGoogle Play

Pros and cons

Pros

  • Minimum investment of CLP 0 and a minimum deposit of CLP 1, so a portfolio can start small.
  • Fractional shares, a mobile app and a demo account, all listed in fractional shares, mobile app and demo account.
  • Fund transfers carry no charge: Free fund transfers.

Cons

  • Management fees of 1.19% rank 47 of 49 on cost among the robo-advisors compared.
  • Only corporate accounts are listed, so there is no personal investment account to pair it with.
  • Support runs on chat, email and help centre only, with no phone line listed.
Fintual

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Scored 8.8 / 10 by BrokerCue.

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Who it suits

  • Beginners, listed as beginners, who want a managed etf portfolio.
  • Anyone comfortable with a low fees model and no per-trade dealing.
  • Investors who want to practise on the demo account in fractional shares, mobile app and demo account first.

Who should look elsewhere

  • eToro, if you want a brand whose management fee is 0%.
  • Vivid Standard, if you want business plan fees of 0.5% to 1.5%.
  • Axos Invest, if you are starting above $100 rather than from CLP 0.

What trading costs

Fintual charges management fees of 1.19% on the corporate account, which come out of the portfolio rather than per trade. The minimum investment is CLP 0, so there is no floor to clear before a portfolio is built. For a Chilean saver starting small, that entry point is friendly, but the annual fee is the number to weigh against cheaper robo-advisors.

Who runs it

Fintual is run by Fintual Administradora General de Fondos S.A., a Chilean entity, and its headquarters sit in Chile. That home market shapes who the platform serves and where the money sits. Support runs on chat, email and help centre, so help is handled in writing and in the app rather than by phone.

How Fintual compares

Frequently asked questions

What does Fintual cost?+

Fintual takes management fees of 1.19% on its corporate account, and the model is listed as low fees. The charge applies to the portfolio each year rather than to each trade, which suits holders rather than active traders.

Is there a minimum amount needed to start?+

The minimum investment is CLP 0 and the minimum deposit is CLP 1, so there is no real floor to clear. A Chilean saver can start with a small transfer and add to the portfolio as the balance allows.

How much do deposits and withdrawals cost?+

Fund transfers are listed as Free fund transfers, so moving money in or out is not charged at the platform level. That suits savers who want to shift part of a balance elsewhere without a fee coming off the transfer.

What can I invest in on Fintual?+

Fintual covers stocks, etfs and funds, and the managed portfolio is built around etf. That is a broad, straightforward basket for a Chilean saver, and the list stops short of leveraged products such as spread betting, forex or contracts for differences.

Is there an app, and can I try it first?+

The platforms listed are mobile app and web, so the account can be run from a phone or a browser. A demo account and fractional shares are both part of fractional shares, mobile app and demo account, letting a newcomer watch the process and buy a slice of a share.

Who is Fintual aimed at?+

The audience is listed as beginners and the account type is corporate, so the platform is built for a Chilean saver who wants a managed basket rather than self-directed dealing. Small monthly amounts fit the model.

Who runs Fintual and where is it based?+

Fintual operates through Fintual Administradora General de Fondos S.A., with headquarters in Chile. The platform is Chilean in origin and aimed at local savers, so accounts and assets sit inside that market rather than a European one.

How likely am I to lose money?+

Across the brokers compared here, the median share of retail accounts that lose money is 70.15%. A managed etf portfolio removes the daily decisions, but market moves still decide the outcome, so a loss stays possible.

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: Headquarters, Minimum investment, Portfolio types, 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

Beginners in Chile wanting a managed ETF portfolio and a low-fee model.

8.8/10See alternatives

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