MACHBANK review
Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026
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Our verdict
MACHBANK suits people in Chile who want a digital bank with both a debit and a credit card and no account keeping charge. The current account carries a monthly fee of CLP 0 and a yearly fee of CLP 0, so holding the account costs nothing to run.
Key facts
- Best for
- Chilean customers who want a digital bank account with a debit card, a virtual card and a credit card option.
- Monthly fee
- CLP 0 (Source, checked September 26, 2026)
- Card type
- Debit (Source, checked September 26, 2026)
- Support channels
- Help-centre (Source, checked September 26, 2026)
- Features
- Virtual card
- Official website
- machbank.cl
Pros and cons
Pros
- The current account has a monthly fee of CLP 0 and an annual fee of CLP 0
- The card is a debit card and a credit card is also offered
- A virtual card is included alongside the physical card
Cons
- Support runs on help centre only, so there is no direct phone or email line listed
- The monthly fee of CLP 0 compares with €99 at the top of the site range
- Overseas and cash costs sit outside the account's own fees of CLP 0 a month and CLP 0 a year, where the site median conversion charge is 1% and the median free withdrawal allowance is €0
Ready to try MACHBANK?
Who it suits
- People in Chile who bank mainly through a phone app
- Anyone who wants a virtual card for online spending without carrying a physical card
- Customers who want a debit card and a credit card from the same bank
Who should look elsewhere
- Wise, for readers who need a published currency conversion fee across many markets
- Varo Believe Secured Credit Card, for readers after a secured credit card instead of a bank account
- Chime Card, for readers who want a secured Visa credit card that builds credit history
How MACHBANK compares
Where MACHBANK is available
- Available
- Chile
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
Does the MACHBANK current account charge a monthly fee?+
No fee is listed for keeping the account open. The monthly fee stands at CLP 0 on the current account, and the annual fee is CLP 0, so the account itself adds no cost to hold.
What kinds of card does MACHBANK offer?+
Two card types sit under the same brand. The everyday card is a debit card drawn on the current account, and a credit card is offered for borrowing. A virtual card is also listed for online spending.
Is there a virtual card I can use for online payments?+
Yes. The feature list for the card includes a virtual card, which lets you pay online without handing over the physical card details. It sits alongside the debit card in the same account.
How do I get help from MACHBANK?+
Support is offered through a help centre. That means self service written guidance rather than a listed phone line or email address, so it suits readers who are comfortable finding answers in a help centre.
What does a currency conversion cost with MACHBANK?+
No currency conversion fee is listed for either the debit or the credit card, so there is nothing published to compare with the 1% typical across the site. Readers who spend abroad should check the terms before relying on the card overseas.
How many free ATM withdrawals are included?+
No free ATM withdrawal allowance is listed for these cards. The site median for that figure is €0, so readers who withdraw cash often should confirm the terms before choosing.
Who is MACHBANK suited to?+
It is built for Chilean customers who want a digital bank and a debit card without a monthly charge, and who value a virtual card for online spending. Readers who need a published currency conversion fee may prefer Wise.
Can I get a credit card from MACHBANK as well?+
Yes. A credit card is offered alongside the debit card, which suits readers who want borrowing and everyday spending from one bank. No annual fee is listed for the credit card, at CLP 0 for the account.
How do MACHBANK fees compare with other cards on the site?+
The monthly fee of CLP 0 sits at the site median of €0 and the site low, with the highest charge reaching €99. The annual fee of CLP 0 also matches the site median.
Sources
- machbank.cl checked September 26, 2026
Backs: Support channels
- machbank.cl/conoce-mach/cuenta-mach/cuenta-corriente checked September 26, 2026
Backs: Annual fee, Monthly fee
“Cuenta corriente costo cero - Cuenta Corriente MACHBANK”
- machbank.cl/productos/tarjetas/credito checked September 26, 2026
Backs: Card kind
“Tarjeta de Credito | MACHBANK”
- machbank.cl/productos/tarjetas/debito checked September 26, 2026
Backs: Card type, Features
Compiled from 4 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Currency conversion fee, Free ATM withdrawals, Protection.
Related by the facts
MACHBANK
Chilean customers who want a digital bank account with a debit card, a virtual card and a credit card option.