Fintual
- Company typePrivate
- Founded2016
- HeadquartersSantiago, Chile
- Headcount101–250
- GTM typeB2C
- OfferingServices
Fintual firmographics
Firmographics- Name
- Fintual
- Legal name
- Fintual Administradora General de Fondos S.A.
- Website
- https://fintual.cl
- Company type
- Private
- Founded year
- 2016
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Ownership category
- akta.pro rank
Fintual industry classification
Industry- Product category
- Digital Wealth Management
- NAICS
- Finance and Insurance (52)
- SIC
- Finance Services (6199)
- akta.pro primary industry
- Retirement Planning & Long-Term Financial Planning Tools (FSAGADAI)
- akta.pro secondary industries
- Financial Education & Coaching (Digital Programs, Tools) (FSAGADAH), Treasury, Cash Management & Liquidity (SME) (FSAGAJAG)
Keywords
Where Fintual is headquartered
LocationHeadquarters
- HQ city
- Santiago
- HQ country
- Chile
- HQ region
- Latin America
Offices2 records
Markets served
Fintual business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure, Others
Revenue model
- Mutual fund management fees (AUM-based): Fintual charges an annual management fee of 1.19% on assets invested in its four standard mutual fund series (Risky Norris, Moderate Pitt, Conservative Clooney, Very Conservative Streep) and 0.49% annual on the APV (Ahorro Previsional Voluntario) pension savings series. The commission is deducted daily on a pro-rata basis (approximately 0.0032% per day for standard series and 0.0013% per day for APV). This is a recurring, asset-based revenue stream that scales directly with assets under management.
- Stock trading transaction fees (Fintual Acciones): Fintual Acciones offers 10 free stock/ETF orders per month; from the 11th order onward, Fintual charges 0.1% of the order value (or 0.05% for clients who transact more than USD 500,000 per month). Additionally, there is a flat fee of 4 Chilean pesos per USD/CLP buy-sell operation. Customers can invest in more than 1,000 US-listed ETFs and equities from a US dollar account, with no minimum investment per asset (from USD 1).
- Fintual Prepago prepaid card and payments services: Fintual operates a Prepaid Card Issuer with Provision of Funds license regulated by the CMF in Chile, enabling direct bank transfer connectivity. This infrastructure supports the company's core deposits/withdrawals flow (with automated deposit detection and account-name matching) and likely generates ancillary revenue through payment-related services and the Fintual Store (store.fintual.com) merchandise sales.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | 1.19% annual management fee on standard mutual fund series (Risky Norris, Moderate Pitt, Conservative Clooney, Very Conservative Streep) |
| Subscription | Annual | 0.49% annual management fee on APV (pension savings) series |
| Transaction based/ take rate | Pay-as-you-go | Fintual Acciones: 10 free stock/ETF orders per month; 0.1% per order from order 11 onwards (0.05% if monthly volume exceeds USD 500,000) |
| Subscription | Annual | Reserva (Very Conservative Streep money-market alternative) |
Go-to-market motion3 records
Distribution channels6 records
Marketing channels15 records
Fintual product offering
Product offeringCore offering
Fintual is a CMF-regulated Administradora General de Fondos that runs a 100% digital asset management platform serving individual retail investors in Chile and Mexico. It offers risk-tiered mutual funds (Very Conservative Streep, Conservative Clooney, Moderate Pitt, Risky Norris), a short-term Reserva fund, an APV pension savings product, a US stock/ETF brokerage (Fintual Acciones), a prepaid card (Fintual Prepago), and a high-net-worth/corporate service (Sociedades), all accessible via mobile and web apps with biometric onboarding and no minimum investment.
Product overview
Fintual is a platform-plus-modules digital wealth management offering: a single unified Fintual app and account wrap several distinct product lines. The core is the Inversiones long-term mutual fund platform (with four risk-tiered funds — Very Conservative Streep, Conservative Clooney, Moderate Pitt, and Risky Norris) supported by the Reserva short-term reserve fund, the Jubilación (APV) retirement savings product, and the Fintual Acciones brokerage for US stocks and ETFs. Layered on top are the Fintual IA conversational AI assistant, the Fintual Prepago prepaid card, the public Fintual API for programmatic investing, and the Sociedades high-net-worth service tier. The platform is operated by a regulated Chilean AGF (Administradora General de Fondos) and is also available in Mexico, with all products accessible through a single login and account.
Differentiator
Problem solved
Functional benefit
Brands
- Fintual Acciones: Branded product line that enables retail investors to buy US-listed stocks and ETFs through an account in the US, with 10 free orders/month.
- Fintualist
- Fintual IA
- Fintual Prepago
Products and services
- Inversiones (Long-term mutual funds) Fintual's long-term mutual fund platform offering a suite of risk-tiered funds (Very Conservative Streep, Conservative Clooney, Moderate Pitt, Risky Norris) designed for multi-horizon investing, with 1.19% annual AUM fee and no minimum investment. Built for individual retail investors in Chile and Mexico.
- Reserva (Reserve Fund) Short-term, low-risk reserve fund (Very Conservative Streep money-market alternative) within the Fintual app for parking cash and earning daily returns, with 1.19% annual fee, free deposits and withdrawals processed within 1 banking day. Targeted at individual retail investors.
- Jubilación (APV pension savings) Voluntary pension savings product (Ahorro Previsional Voluntario, APV) under Chilean law, with 0.49% annual AUM fee and a 15% state bonus on Régimen B contributions, designed for individual retail investors building long-term retirement savings.
- Fintual Acciones (US stocks and ETFs) Brokerage-style feature inside the Fintual app for buying and selling 1,000+ US-listed stocks and ETFs from a USD-denominated account. 10 free orders per month, then 0.1% per order (0.05% for monthly volume above USD 500,000), plus a flat 4 CLP fee per USD/CLP operation. Minimum USD 1 per asset. Targeted at retail investors in Chile and Mexico.
- Fintual Prepago (Prepaid card) Prepaid card product linked to a Fintual investment account, operated under Fintual's CMF-regulated Prepaid Card Issuer license in Chile, enabling direct connection to the interbank transfer system and supporting deposits/withdrawals. Targeted at Fintual account holders.
- Fintual Sociedades (HNWI / Corporate service) Dedicated service tier for businesses, sociedades, and high-net-worth individuals in Chile and Mexico, offering corporate money organization, group investments, group goals, personalized advisory, and tax optimization tools built on Fintual's digital platform.
Quantifiable outcome
- Annual management fee of just 1.19% (vs traditional Chilean industry averages for actively managed products), with 0.49% on APV series
- +7 more outcomes
Companies that use Fintual
Customer profileNamed customers1 record
Segments4 records
Ideal customer profiles3 records
Fintual technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration4 records
AI capability9 records
Feature7 records
Fintual partnerships and signals
Strategic signalPartnerships
Seven partnerships are on record, tiered flagship and core.
- Y CombinatorflagshipFintual was the first Chilean startup accepted into Y Combinator in 2018. The accelerator provided funding, mentorship, and access to a global investor network that Fintual credits with helping structure the company. Fintual was later recognized among YC's Top Companies of 2023.
- Depósito Central de Valores (DCV)coreLocal Chilean securities depository that acts as external custodian for Fintual's locally-held mutual fund assets, providing segregation of client assets from Fintual as required by CMF regulation.
- PershingcoreInternational custodian referenced by Fintual as an external institution that safeguards foreign-currency and US-listed assets held by Fintual customers, providing independent asset segregation.
- Interactive BrokerscoreUS-based brokerage and custodian that supports Fintual's US stock and ETF trading product (Fintual Acciones), enabling customers to invest in more than 1,000 US-listed equities and ETFs from Chile and Mexico.
- FaceTeccoreProvides the facial recognition biometric authentication system used by Fintual for remote identity verification. FaceTec is installed on Fintual's own infrastructure; FaceTec Inc. does not access or retain biometric templates, which are used exclusively with single-use liveness proofs.
- BlackRock (iShares)coreETF provider whose funds (notably iShares MSCI ACWI ETF and other iShares ETFs) are referenced as building blocks for Fintual's globally diversified mutual fund portfolios.
- VanguardcoreETF provider whose funds are used as investment vehicles within Fintual's portfolio construction, providing low-cost passive exposure to global asset classes.
Scale indicators13 records
Recent moves10 records
Expansion highlights7 records
Fintual competitors and assessment
Company assessmentDirect peers
- GBM (Grupo Bursátil Mexicano): GBM is a Mexican digital broker-dealer offering mutual funds, ETFs, and US-listed stocks to retail investors through its app and website. It is the closest direct peer to Fintual in Mexico, competing for the same retail investor segment with overlapping product lines (managed portfolios, US stock access).
- Warren Investimentos: Warren is a Brazilian digital wealth manager offering automated portfolios, ETFs, and fixed income to retail investors with a low-fee model. Closely analogous to Fintual's product-led retail strategy, though operating in Brazil rather than the Southern Cone.
- Kuspit: Kuspit is a Mexican digital broker offering ETFs, mutual funds, and US-listed stocks to retail investors. It is a direct competitor in the Mexican robo-brokerage space and overlaps with Fintual.mx on managed portfolios and US market access.
- Yave: Yave is a Mexican digital mortgage and wealth platform that has expanded into investment products for retail users. It is a regional peer competing for Mexican retail savings, though with a different primary anchor product (mortgages).
- Flink: Flink is a Mexican fintech providing fractional investing, managed portfolios, and US stock access to retail investors via a mobile-first experience. Directly comparable to Fintual's Mexico offering, particularly Fintual Acciones, and competes head-to-head for low-fee retail brokerage users.
Broad incumbents
- XP Inc. XP is one of the largest independent wealth managers and brokerages in Latin America, serving mass-affluent and high-net-worth clients across Brazil and expanding to other markets. Comparable to Fintual in business model (asset-gathering, fee-based) but vastly larger scale and broader product portfolio.
- Nuinvest (Nubank Investimentos): Nuinvest is Nubank's investment platform offering mutual funds, ETFs, and fixed income to retail users in Brazil. While Brazil-focused, it represents a broader incumbent competitive threat as Nubank expands across LatAm and could enter Chile/Mexico with similar low-fee digital investment products.
Regional players
- Buenbit: Buenbit is an Argentine crypto and digital investment platform offering yield products and asset management to retail users. Comparable in mobile-first retail investing and emerging-market positioning but operates in a different geography and product mix.
Emerging players
- Hapi (formerly Hapi Investments): Hapi is a LatAm-focused app enabling users to buy fractional shares of US-listed stocks and ETFs from Latin America. Overlaps with Fintual Acciones on US stock access for retail LatAm investors but with narrower product scope.
- Trii (Trii Colombia): Trii is a Colombian fractional investing app offering US-listed stocks and ETFs to retail investors. It is a direct emerging-market peer and represents the type of competitor Fintual would face as it executes its announced Colombia launch.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key highlights7 records
Customer concentration
Fintual social profiles
Digital presenceFintual compliance and trust
Trust signalCompliance3 records
Fintual financial estimates
Financial estimateRevenue estimate
Valuation estimate
Fintual leadership team
Management profileNumber of profiles
Profiles11 records
Fintual subsidiaries and ownership
Company hierarchySubsidiaries2 records
Fintual funding detail
Funding detailFunding overview
Funding rounds8 records
Investors11 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Fintual M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Fintual
What does Fintual do?
Fintual is a CMF-regulated Administradora General de Fondos that runs a 100% digital asset management platform serving individual retail investors in Chile and Mexico. It offers risk-tiered mutual funds (Very Conservative Streep, Conservative Clooney, Moderate Pitt, Risky Norris), a short-term Reserva fund, an APV pension savings product, a US stock/ETF brokerage (Fintual Acciones), a prepaid card (Fintual Prepago), and a high-net-worth/corporate service (Sociedades), all accessible via mobile and web apps with biometric onboarding and no minimum investment.
Is Fintual a public or private company?
Fintual is a private company. It is classified as venture growth investor backed and is currently operating.
When was Fintual founded?
Fintual was founded in 2016. It employs 101 to 250 people.
Where is Fintual based?
Fintual is headquartered in Santiago, Chile, in the Latin America region.
How does Fintual make money?
Three revenue lines are on record. Mutual fund management fees (AUM-based) is the primary driver. The others are stock trading transaction fees (Fintual Acciones) and fintual Prepago prepaid card and payments services.
Who are Fintual's main competitors?
Direct peers on record are GBM (Grupo Bursátil Mexicano), Warren Investimentos, Kuspit, Yave and Flink. Broad incumbents are XP Inc. and Nuinvest (Nubank Investimentos). Buenbit is listed as a regional player. Emerging players are Hapi (formerly Hapi Investments) and Trii (Trii Colombia).
Does Fintual have an API?
Yes. Fintual offers a public API that allows users to consult their investment balance, program recurring investment strategies, create multiple parallel investments, and check investment balances programmatically. The API is referenced in the Terms of Service, sitemap, privacy policy, and is accessible through a Swagger UI documentation page at fintual.cl/api-docs. The API is available to clients of the platform. Developer documentation is at fintual.cl/api-docs/index.html.
What industry is Fintual in?
Fintual's product category is Digital Wealth Management. Its primary akta.pro industry code is FSAGADAI, Retirement Planning & Long-Term Financial Planning Tools, with a secondary code of FSAGADAH, Financial Education & Coaching (Digital Programs, Tools). Its NAICS code is 52 and its SIC code is 6199.