Grupo financiero digital chileno con programa prepago de Tenpo Payments y migracion gradual a productos del Tenpo Bank separado
CompaniaFintech y BancaParcialmente verificado
Fintech chilena que ofrece cuentas de pago, productos Mastercard virtuales y fisicos, transferencias, remesas, inversiones, seguros y otros servicios. Los terminos V5 de la tarjeta prepaga nombran a Tenpo Payments S.A. como emisor no bancario regulado por CMF y a Tenpo Technologies SpA como compania tecnologica. Tenpo Bank Chile recibio autorizacion de funcionamiento separada de CMF en enero de 2026; una guia del 27 de agosto dice que clientes prepago elegibles pueden migrar con mandato en la app, datos requeridos y revision de riesgo, y luego esperar una bienvenida oficial. Las fuentes publicas no confirman que todos hayan migrado. Tenpo esta respaldada por Credicorp mediante Krealo y no se documenta gasto directo crypto con la tarjeta.
The published V5 contract identifies Tenpo Payments S.A. as the authorized non-bank issuer of the funded-payment prepaid card, with Tenpo Technologies SpA as the technology company. It says spending debits the CPF account, foreign-currency conversion uses the rate shown in the Tenpo app when the transaction occurs, physical cards are issued after the virtual card and a physical issuance-and-dispatch fee is shown in-app. Its fee annex lists international purchases at 0%, national ATM withdrawals at UF 0.017 and foreign ATM withdrawals at UF 0.11, while permitting Tenpo to waive a number of monthly withdrawals and reduce or waive card-issuance charges. It covers adult and eligible Junior users with Chilean ID and identity validation; the terms do not document direct crypto or stablecoin card authorization.
Current product page describes a virtual-first prepaid Mastercard with an optional physical card, no maintenance fee, international purchases with no commission, the app's displayed USD exchange rate on the purchase date, and physical-card delivery from CLP 7,490. The page identifies it as the prepaid product; it does not describe crypto or stablecoin card funding.
Tenpo Help Center · soporte.tenpo.cl · fuente primaria
Help article updated February 19, 2026: international purchases and subscriptions, bank-transfer funding and withdrawals, and cash deposits are listed at CLP 0; a cash withdrawal at a participating cash channel is CLP 200. Tenpo card ATM withdrawals abroad are CLP 3,000 each for the prepaid card, while domestic ATM operator fees vary; the first four withdrawals per calendar month have no Tenpo fee and later withdrawals are CLP 500 each. The article's CLP ATM amounts differ from the older July 2025 terms annex, which lists UF-denominated rates and permits monthly waivers; confirm the live in-app amount before withdrawal.
Comision para el Mercado Financiero · cmfchile.cl · fuente primaria
The CMF supervised-entity profile lists Tenpo Payments S.A. as a current, valid non-bank issuer of funded-payment cards under the trade name Tenpo. This registration is distinct from Tenpo Bank Chile's separate banking authorization.
Comision para el Mercado Financiero · cmfchile.cl · fuente primaria
The CMF granted Tenpo Bank Chile operating authorization on January 19, 2026 after completing its licensing process. The bank was authorized to start its business and received up to one year from notification to begin activities; the announcement does not say that the migration of all existing Tenpo prepaid customers is complete.
Tenpo Help Center · soporte.tenpo.cl · fuente primaria
Help article updated August 27, 2026 says existing prepaid customers may transition to Tenpo Bank's current account after signing an in-app mandate, completing regulatory information and passing Tenpo's risk policy. It says customers will receive an official welcome when their turn arrives, so the transition is staged rather than documented as complete for every cardholder.
Tenpo Help Center · soporte.tenpo.cl · fuente primaria
Tenpo's January 23, 2026 migration mandate explains that a customer's prepaid card will become a debit card and any existing physical card keeps the same plastic. The change is described as free; this article does not say that every customer has migrated.
