i-America neCaribbean

i-Chile

I-Chile inesinye sezimakethe zebhange nezimali ezithuthukisiwe kakhulu eLatin America. Umphathi ohlangene, i-Comisión para el Mercado Financiero (CMF), ubheka amabhange, amafemu wezimali, abahlinzeki bezinkokhelo kanye nabahlinzeki be-fintech. I-Banco Central de Chile ibhala izinqubomgomo zamakhadi okukhokha kanye nabathengisi abakhokhelwe ngaphambili. I-Ley Fintec ka-2023 yadala ukubhaliswa nokugunyazwa kwenqubo yokutshala imali, amasistimu wokuhweba ahlukile, izinsizakalo ze-crypto-asset nezinye izinsizakalo zezezimali ezisekelwe kubuchwepheshe.

Isibhamu sengoziIsiqephu

FATFAkukho kuluhlu

EU AML uhlu lwengozi ephezuluAkukho kuluhlu

i-EU tax listAkukho kuluhlu

Izinhlelo zelayisense7

ImaliCLP

Izinga le-S&PA

Ukhetho Olulandelayo29 Okthoba 2028

i-Chile ayikho ku- FATF Uhlu olumnyama noma olungwevu ngemuva komhla ka-17 kuya ku-19 kuJuni 2026. Akukho miphumela yohlelo lwesigungu esigcwele ngo-Okthoba 2026 eshicilelwe ngesikhathi sokuhlolwa. Alikho ohlwini lwezwe lesithathu elinomthelela omkhulu e-EU (Imithetho egunyaziwe (i-EU) 2016/1675 njengoba yaguqulwa ngoMthethosivivinywa ogunyaziwe (i-EU) 2026/46 ne-2026/83, osebenza kusukela ngo-29 Januwari 2026). Alikho embhalweni I noma embhalweni II we-EU tax list ebuyekeziwe yiNhlangano yeZikhulu ngomhla ka-9 Okthoba 2026. Kuhlolwe ngo-13 Okthoba 2026.

Umbuso nepolitiki

UMbuso: IRiphabhulikhi yePhini likaMengameli
UMengameli: José Antonio Kast · kusukela ngoMashi 2026
UMengameli: i-Republican Party (PRCh)
Amaqembu alawulayo: I-Partido Republicano (PRCh), i-Unión Demócrata Independiente (UDI), i-Renovación Nacional (RN), i-Evolución Política (Evópoli), amaqembu ahlukene anemisebenzi eminingi ekahulumeni
Ukhetho oludlule: IGeneral (ukhetho lwesigungu esiphezulu), 14 Desemba 2025
Ukhetho Olulandelayo: Idolobha kanye nesifundazwe, 29 Okthoba 2028. Ukhetho lukaMengameli kanye nePhalamende luzolandela ngo18 Novemba 2029.
Umthethosivivinywa: I-National Congress: bicameral, i-Chamber of Deputies (amasevisi angama-155) neSenate (amasevisi angama-50)
Indlela yomthetho: Umthetho wesizwe

Economics and finance

Abahlali: 20m (2025)
I-GDP: US$ 357.4 billion (2025)
I-GDP ngamuntu: i-US$17,837 (2025)
Imali: i-Chilean peso (CLP), i-free float
Ibhange Eliphakathi: I-Banco Central de Chile
Izinga lemali: i-S&P A (eqinile) · i-Moody's A2 (eqinile) · i-Fitch A- (eqinile) (ngoSepthemba 2026)

I-Economic Union of South America (i-U.S.A.) yinhlangano yomhlaba wonke elawula izimali, izinkampani, izimakethe zezezimali kanye nezokuhweba emhlabeni jikelele.

Ibhange

Ilayisense lebhange

Imali encane800,000 Unidades de Fomento (UF) izimali ezikhokhelwe kanye ne-reserve (isiqephu 50). Okungenani i-50% kufanele ikhokhwe lapho ibhange libhaliswa (isiqephu 51). kuze kube yilapho ibhange lifinyelela ku-minimum egcwele, ligcina amaphesenti angama-2 angaphezulu kwezimpahla ezibhekene nengozi njengemali eyinhloko, ephansi ngo-1% ku-UF 600,000.

IsikhathiI-CMF ingayeka iphrojekthi yangaphambilini ngaphakathi kwezinsuku ezingama-180 (isiqephu 30), ekwazi ukudluliswa kabili ngezinsuku ezingama-180 ezimoni ezingavamile. Ngemuva kokugunyazwa kokuhlala, i-CMF ibheka ukuthi ikhona yini ngaphakathi kwezinsuku eziyi-90 futhi inikeza imvume yokusebenza ngaphakathi kwezinsuku eziyi-30 (isiqephu 31).

IgunyaI-Commission on Financial Markets

800,000 Unidades de Fomento (UF) izimali ezikhokhelwe kanye ne-reserve (isiqephu 50). Okungenani i-50% kufanele ikhokhwe lapho ibhanki ifakwa (isiqephu 51). kuze kube yilapho ibhange lifinyelela ku-minimum egcwele, ligcina amaphesenti angama-2 angaphezulu kwezimpahla ezibhekene nengozi njengemali yesisekelo, ephansi ngamaphesenti angu-1 ku-UF 600,000.

Umthetho: Ley General de Bancos (DFL 3 of 1997, as amended by Ley 21.130 of 2019), arts. 27 to 32, 50 and 51
Ukudluliswa kwepasipoti: Akukho mthetho wokufaka ipasipoti.

Izidingo ezibalulekile

Ibhange kumele libe yi-Chilean sociedad anónima (isiqephu 27)
Abasunguli bafaka i-prospectus enephuzu lebhizinisi leminyaka emithathu (isiqephu 27)
Abasunguli bafaka isiqinisekiso esingu-10% semali engenayo elungisiwe (isiqephu 27)
Abasunguli kanye nabalawuli badinga imali engenayo elinganayo nemali ekhokhwayo, kanye nokuhlolwa okufanele (isiqephu 28)
Izinhlangano zezimali zakwamanye amazwe zidinga ukuqondiswa okunembile kwasekhaya kanye nesivumelwano esingaphambilini sochwepheshe wekhaya (isiqephu 29)
Isitifiketi sokuqala, bese kuvunyelwa ukuba khona, bese kuvunyelwa ukusebenza (isiqephu 27 no-31)

Sources(1)

BCN LeyChile: Ley General de Bancos (DFL 3 of 1997), consolidated text · checked 2026-10-13

Ibhange

Ibhange elingaphandle

Imali encaneI-800,000 UF ephansi njengebhange laseChile (isigaba 50 no-51). Kudingeka kukhokhwe okungenani i-50% uma isigungu sigunyazwe (isigaba 51).

IsikhathiAkukho kushicilelwe

IgunyaI-Commission on Financial Markets

I-800,000 UF ephansi njengebhange laseChile (isigaba 50 no-51). Okungenani i-50% kufanele ikhokhwe lapho insizakalo ivunyelwa khona (isigaba 51).

Umthetho: Ley General de Bancos (DFL 3 of 1997), arts. 29, 32 and 51
Ukudluliswa kwepasipoti: Akukho mthetho wokufaka ipasipoti.

Izidingo ezibalulekile

Isitifiketi sokuqala sokugunyazwa okukhishwe njengebhange elisha (isiqephu 32)
Amadokhumenti adingekayo ngokwemithetho yenkampani yangaphandle (isiqephu 32)
Ukulungiswa kwekhaya ngokunembile kanye nesivumelwano esingaphambilini se-home supervisor (isigaba 29)
Kumele kube khona ukushintshana kolwazi phakathi kwabaqondisi (isiqephu 29)

Sources(1)

BCN LeyChile: Ley General de Bancos (DFL 3 of 1997), consolidated text · checked 2026-10-13

Inhlangano yemali-elektroniki

Umhlinzeki wekhadi elikhokhelwa ngaphambili elingasekho kwibhange

Imali encaneImali ekhokhwe ngaphakathi kanye ne-reserve engaphansi kuka-25,000 UF noma ifomula: i-1% yesilinganiso sezimali zonyaka ezikhokhelwa abahwebi abangaxhunyiwe, kanye ne-8% yamabhange amakhasimende emithonjeni yesikhathi eside, kanye ne-3% yamabhange amakhasimende emithonjeni yesikhathi esifushane (Isigaba III.J.1.3, Isihloko II.B.iii)

IsikhathiAkukho kushicilelwe

IgunyaI-Comisión para el Mercado Financiero (ubhaliso); i-Banco Central de Chile (izimiso)

Imali ekhokhwe ngaphakathi kanye ne-reserve engaphansi kuka-25,000 UF noma ifomula: i-1% yesilinganiso sezimali zonyaka ezikhokhelwa abahwebi abangaxhunyiwe, kanye ne-8% yezimpahla zekhasimende ezinhlotsheni zesikhathi eside, kanye ne-3% zezimpahla zekhasimende ezinhlotsheni zesikhathi esifushane (Isigaba III.J.1.3, Isihloko II.B.iii)

Umthetho: Ley 20.950 of 2016, arts. 1 to 3; Banco Central de Chile Compendio de Normas Financieras, Capítulo III.J.1.3 (Acuerdo 2650-01-240627)
Ukudluliswa kwepasipoti: Akukho mthetho wokufaka ipasipoti.

Izidingo ezibalulekile

I-Chilean special sociedad anónima enenhloso ekhethekile (Ley 20.950 art.3)
Ukubhaliswa ku-CMF Registro de Emisores de Tarjetas ngaphambi kokuqala umsebenzi
I-CMF ibheka ukuthi ukulungele ukusebenza ngaphambi kokubhaliswa
I-liquidity reserve engaphansi kuka-10% yesidingo esincane somnotho (Isihloko II.B.v)
Inqubomgomo yokulawula ingozi kanye nezibalo ezihlukene zezimali zomxhasi

Sources(2)

Banco Central de Chile: Capítulo III.J.1.3, Emisión de tarjetas de pago con provisión de fondos · checked 2026-10-13
BCN LeyChile: Ley 20.950 (version of 3 February 2023) · checked 2026-10-12

Umhlinzeki wezinsizakalo zokukhokha (PSP)

Umhlinzeki wekhadi lokukhokha noma othola imali

Imali encaneImali engenayo ekhokhiwe kanye nezimali ezigcinwe zingama-10,000 UF noma amaphesenti angama-20 wesilinganiso semali ekhokhwa ngosuku ezinsukwini ezingama-24 ezedlule (Isiqendu III.J.2). Abathengisi abangaphansi badinga ama-UF ayi-1,000, noma ama-UF ayi-2,000 ukuthengisa ngezansi ngaphandle komgwaqo.

IsikhathiAkukho kushicilelwe

IgunyaI-Comisión para el Mercado Financiero (ubhaliso); i-Banco Central de Chile (izimiso)

Imali ekhokhiwe kanye nezimali ezigcinwe zingama-UF angama-10,000 noma amaphesenti angu-20 wesilinganiso sokwesekwa kosuku ngalunye kwezinyanga ezingama-24 ezedlule (Isiqendu III.J.2). Abathengisi abangaphansi badinga ama-UF angama-1,000, noma ama-UF angama-2,000 ukuthenga ngezansi ngaphandle komgwaqo.

Umthetho: Ley General de Bancos, art. 2; Ley 20.950; Banco Central de Chile Compendio de Normas Financieras, Capítulo III.J.2 (Acuerdo 2650-01-240627)
Ukudluliswa kwepasipoti: Akukho mthetho wokufaka ipasipoti.

Izidingo ezibalulekile

I-Chilean special sociedad anónima enenhloso ekhethekile yokusebenza kwamakhadi
Ubhaliso ku-CMF Registro de Operadores de Tarjetas
I-CMF ibheka ukuthi ukulungele ukusebenza ngaphambi kokubhaliswa
Ifaka amakhadi e-credit, debit namakhadi akhokhelwe ngaphambili

Sources(1)

Banco Central de Chile: Capítulo III.J.2, Operación de tarjetas de pago · checked 2026-10-13

Umhlinzeki wenkonzo yezinto ezibonakalayo (VASP)

Izinsizakalo ze-crypto-assets ngaphansi kwe-Ley Fintec (ukuvikelwa, ukuxhumana, uhlelo lokuhweba oluhlukile lwe-crypto-assets)

Imali encane5,000 UF, noma i-3% (kuya ku-6%) yempahla ehlobene nengozi uma iphezulu, lapho kufinyelelwa khona kumaphesenti aphansi wevolumu yeCMF (Imithetho 21.521 isiqephu 11). Ngokuya ngeNCG 502, amafemu amancane kakhulu (iBhokisi 1) avunyelwe. Amafemu eBhokisi 2 adinga i-1,000 UF ekulinganiseni kwezimali noma iziqinisekiso. Amafemu eBhokisi 3 adinga inani eliphelele lesiqephu 11.

IsikhathiImithetho yeCMF ngokubhaliswa ngaphakathi kwezinsuku ezingu-30 zomsebenzi (isiqephu 6) kanye nokugunyazwa kwesevisi ngaphakathi kwezinyanga eziyisithupha (isiqephu 7); izibhamu zombili zihlala isikhathi eside ngenkathi iCMF ilinde ukulungisa

IgunyaI-Commission on Financial Markets

5,000 UF, noma i-3% (kuya ku-6%) yezimpahla ezibhekene nengozi uma ziphezulu, lapho kufinyelelwa khona kumaphesenti evolumu ye-CMF (Imithetho 21.521 isiqephu 11). Ngokuya nge-NCG 502, izinhlangano ezincane kakhulu (isiqephu 1) zingavunyelwa. Izinhlangano zesiqephu 2 zidinga i-1,000 UF ekulinganiseni kwezimali noma izinkokhelo. Izinkampani zesiqephu 3 zidinga inani eliphelele lesiqephu 11.

Umthetho: Ley 21.521 of 2023 (Ley Fintec), arts. 3, 5, 6, 7, 10 and 11; CMF Norma de Carácter General N° 502 of 2024 (consolidated text)
Ukudluliswa kwepasipoti: Akukho mthetho wokufaka ipasipoti.

Izidingo ezibalulekile

Ama-crypto-assets (activos financieros virtuales) abhekwa njengezithuluzi zezimali ngaphansi kweLey Fintec (isiqephu 3)
Ukubhaliswa ku-CMF Registro de Prestadores de Servicios Financieros (isiqephu 5)
Inhloso yokunikeza kuphela izinsizakalo zeLey Fintec (isiqephu 6)
Izinkampani zakwamanye amazwe kumele zibe nekheli eChile (isiqephu 5)
Igunya elihlukile le-CMF ngenkonzo ngayinye, nezidingo zokulawula nokuphatha umngcipheko (isiqephu 7)
Isiqinisekiso ngebhanki noma iphothifoliyo ye-inshurensi engaphezulu kwamaphesenti we-CMF (isiqephu 10)

Sources(3)

BCN LeyChile: Ley 21.521 (Ley Fintec) · checked 2026-10-13
CMF: Norma de Carácter General N° 502, consolidated text · checked 2026-10-13
CMF: NCG 502 record page · checked 2026-10-12

Inkampani yokutshala imali

Izinsizakalo ze-Ley Fintec: iphrojekthi yokuqoqa imali, uhlelo lokuhweba oluhlukile, ukuqondiswa kwezicelo, usizo lokutshala imali kanye nosizo lwezimali

Imali encaneAkukho kushicilelwe

IsikhathiUsinqumo sokubhaliswa ngaphakathi kwezinsuku zebhizinisi ezingu-30 (isiqephu 6); ukugunyazwa komsebenzi ngaphakathi kwezinyanga eziyisithupha (isiqephu 7)

IgunyaI-Commission on Financial Markets

Umthetho: Ley 21.521 of 2023 (Ley Fintec), arts. 5 to 7 and 10; CMF Norma de Carácter General N° 502 of 2024 (consolidated text)
Ukudluliswa kwepasipoti: Akukho mthetho wokufaka ipasipoti.

Izidingo ezibalulekile

Ukubhaliswa ku-CMF Registro de Prestadores de Servicios Financieros (isiqephu 5)
Inhloso yokunikeza kuphela izinsizakalo zeLey Fintec (isiqephu 6)
Igunya le-CMF lihlukaniswe ngaphambi kokuba inkonzo ngayinye iqale (isiqephu 7)
Imithombo yolwazi kanye nezinhlelo zokuveza, ukuphatha nokuphathwa kwengozi (isiqephu 7, 8 no-12)
Uhlelo lokuqondisa phezulu kwe-CMF lidinga ama-UF angama-500 ezigcini noma i-equity elungisiwe (NCG 502)
Akukho ubhaliswa iminyaka eyisithupha ngemuva kokulahleka ngenxa yokuhlukunyezwa okubi (isiqephu 6)

Sources(2)

BCN LeyChile: Ley 21.521 (Ley Fintec) · checked 2026-10-13
CMF: Norma de Carácter General N° 502, consolidated text · checked 2026-10-13

Inkampani yokutshala imali

Ubhaliso lwe-securities broker-dealer

Imali encaneImali engenayo ephansi ehlala njalo engu-UF 6,000, noma i-UF 14,000 ukuhweba nge-akhawunti yakhe (isiqephu 26(d)). Kudingeka futhi isiqinisekiso sokuqala se-UF 4,000 (isiqephu 30).

IsikhathiI-CMF ilawula ukubhaliswa ngaphakathi kwezinsuku ezingu-30 zokufaka isicelo; isikhashana sihlala lapho i-CMF icela ulwazi oluningi (isiqephu 28)

IgunyaI-Commission on Financial Markets

Imali engenayo ephansi ehlala njalo engu-UF 6,000, noma i-UF 14,000 ukuhweba nge-akhawunti yakhe (isiqephu 26(d)). Kudingeka futhi isiqinisekiso sokuqala se-UF 4,000 (isiqephu 30).

Umthetho: Ley 18.045 de Mercado de Valores, arts. 24 to 30
Ukudluliswa kwepasipoti: Akukho mthetho wokufaka ipasipoti.

Izidingo ezibalulekile

Inhloso ekhethekile yokuxhumana kwezimpahla, ngegama le-corredores de bolsa noma i-agentes de valores (isiqephu 27)
I-ofisi efakwe ngebhizinisi lokuxhumana (isiqephu 26)
Abaqondisi, abaphathi kanye nabasebenzi abasebenza nabo kumele baqinisekise ulwazi lokuxhumana kwezimpahla (isiqephu 26 ne-27)
Ama-corredores de bolsa kufanele abe yilungu le-stock exchange; ama-agentes de valores asebenza ngaphandle kwe-exchange (isiqephu 24)
Imithetho yokusetshenziswa kwezimali, ukuphuma kwemali, ukukhokhelwa kanye nokulawula umngcipheko ebekwe yi-CMF (isiqephu 29)

Sources(1)

BCN LeyChile: Ley 18.045 de Mercado de Valores · checked 2026-10-13

Ama-Supervisors

Ubani olawula

Comisión para el Mercado Financiero (CMF) · websitebanks, E-money institutions, Payment service providers, Virtual asset service providers (VASPs), Investment firms, Insurance
Banco Central de Chile (BCCh) · websiteIzinhlangano zemali ye-e, Abahlinzeki bezinkonzo zokukhokha

I-Ley Fintec iguqule futhi i-Ley 20.950: amayunithi wedijithali axhaswe yi-ISO code CLF, kanye nama-token ku-distributed ledgers, athathwa njengendlela yokukhokha ekhokhelwa ngaphambili. Abakhiqizi bezimali ezifana ne-stablecoins abakhokhiswa ngaphambili bangaphansi kwe-prepaid issuer regime ye-Banco Central de Chile. I-Ley Fintec yashintsha isiqephu se-24 se-Ley 18.045 ngesibuyekezo esiphelile; usuku oluthatha amandla aluqinisekiswanga kulolu kuhlolwa. I-CMF yaguqula i-NCG 502 ngoDisemba 2024 futhi yafaka Isiqephu X nge-NCG 559 ngoFebhuwari 2026; lesi singeniso sisebenzisa umbhalo oqinisiwe kwiwebhusayithi ye-CMF. Akukho zindleko zesicelo se-CMF eziqinisekisiwe kusuka kumakhompiyutha asemthethweni, ngakho-ke izimo zemali azisebenzi. Amabhange namanye amaqembu alawulwayo anganikeza izinsizakalo ze-Ley Fintec ngaphandle kokubhalisa (I-Ley 21.521 art. 5). Ukugembula kwe-inthanethi, inshuwalense kanye nabaphathi bezikweletu akufanele kube khona kulolu kuhlolwa.

Ulwazi oluphelele

Manje ngeChile

Izilimi zesihlabathi. I-map ikhombisa kuphela.

Isimo: Izwe elilawulayo
Idolobhakazi: i-Santiago
Indawo: 756,102 km²
Izilimi ezisemthethweni: isi-Spanish
Indawo yesikhathi: UTC-04:00 (UTC-03:00 ebusika) ezwenikazi; iMagallanes neAysén zihlala ku-UTC-03:00 ngonyaka wonke; isiqhingi se-Easter siyi-UTC-06:00 (UTC-05:00 ebusika)

Ukuthunyelwa okuyinhloko

I-copper ore ne-concentrates
i-Refined copper
Izithelo nezithelo eziluhlaza
Inhlanzi nenyama yolwandle
Amakhemikhali angekho emthethweni

Abahlanganyeli abakhulu

i-China
i-United States
i-Japan
i-Korea enyakatho
i-Brazil

Sources for the country information(15)

Ulwazi lwezwe luhlolwe ngo-Okthoba 13, 2026. Idatha yelayisense ivuselelwe ngo-Okthoba 13, 2026. Ulwazi kuphela, hhayi incazelo yomthetho; izimfuneko zishintshile. Isaziso sokulawula.

Sources for the licensing information(6)

Guyana FIU: Circular No. 3 of 2026, FATF grey list of 19 June 2026 · checked 2026-10-13
Latvia FID: FATF updated lists with jurisdictions under increased monitoring · checked 2026-10-12
European Commission: AML/CFT at international level (EU high-risk third countries) · checked 2026-10-13
EUR-Lex: Commission Delegated Regulation (EU) 2026/83 · checked 2026-10-12
Council of the EU: Council conclusions of 9 October 2026 on the revised EU list of non-cooperative jurisdictions for tax purposes (ST 13854/26) · checked 2026-10-13
BCN LeyChile: Ley 20.950 (version of 3 February 2023) · checked 2026-10-12