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Re: Opening A Bank Account

Posted: Thu Oct 05, 2017 2:07 pm
by eeuunikkeiexpat
Britkid wrote:
Space Cat wrote:
So we got a couple of "Cuenta de Ahorro" (savings, 3.5-4.2% yearly) opened in BE .
Thanks for the info. :)

Can you view the balance and transactions online and transfer money online betwen this account and your cuenta RUT? Are there any restrictions like you have to be in person or give notification for withdrawals or only withdraw om certain days?
I was the first to write about and recommend these accounts.

Yes, you can see these accounts in the same portal you use for the CuentaRUT, yes your matrix transfer card received with CuentaRUT will also work with the savings account, BE on their personal banking site shows the differences in interest depending on conditions like unrestricted access to all funds vs. prior notification needed.

Re: Opening A Bank Account

Posted: Thu Oct 05, 2017 3:54 pm
by Space Cat
Yes, it's all managed from one login in BE's Internet banking. Cuenta de Ahorro Máxima has withdrawal limit (UF 30 a day), you need to request in advance if you need larger amounts.

Also their ATM withdrawals are expensive (almost 3k) and yearly interest falls from 4.3% to 3.9% after the second withdrawal in a year. It's a savings account after all, so it's better to use it for savings in CLP. Though I read that fixed-time Depósitos a Plazo in other banks are more profitable but I'm fine to just compensate for inflation in this case.

Re: Opening A Bank Account

Posted: Thu Oct 05, 2017 3:58 pm
by eeuunikkeiexpat
BE also has time deposits of whatever time period you need.

Re: Opening A Bank Account

Posted: Thu Oct 05, 2017 3:59 pm
by Space Cat
eeuunikkeiexpat wrote:BE also has time deposits of whatever time period you need.
Yes, but the rate is one of the lowest (2.16%) according to this research (I haven't verified it myself):
https://www.rankia.cl/blog/mejores-depo ... -para-2017

Re: Opening A Bank Account

Posted: Thu Oct 05, 2017 4:12 pm
by eeuunikkeiexpat
Where do you see 3K for the ATM withdraw? Wording sounds like only when done at the window, and then there is this:
Comisión por uso de Tarjeta de Cajero Automático:
Personas naturales : Sin comisión.
(2) Los giros por transferencias de fondos efectuados por Internet y Servicio Telefónico no se consideran para el cómputo del límite máximo de giros exentos y no están afectos a comisión.
So transfer into your CuentaRUT and then withdraw?

Re: Opening A Bank Account

Posted: Thu Oct 05, 2017 4:15 pm
by eeuunikkeiexpat
Space Cat wrote:
eeuunikkeiexpat wrote:BE also has time deposits of whatever time period you need.
Yes, but the rate is one of the lowest (2.16%) according to this research (I haven't verified it myself):
https://www.rankia.cl/blog/mejores-depo ... -para-2017
Actual table is here:
http://www.bancoestado.cl/bancoestado/DepPlazoTasas.asp

Re: Opening A Bank Account

Posted: Thu Oct 05, 2017 4:36 pm
by Britkid
Thx. Sounds like an account worth asking for.

Re: Opening A Bank Account

Posted: Thu Oct 05, 2017 8:18 pm
by Space Cat
eeuunikkeiexpat wrote:Where do you see 3K for the ATM withdraw?
http://www.bancoestado.cl/bancoestado/i ... ?datos=125

Actually, ~1500:
COMISIÓN POR CADA GIRO EN EXCESO (1) (2)
por CAJ. AUT: UF 0,05 + IVA
a contar del 3° giro anual
The 3000 were for getting money at the window (UF 0.1 + IVA).

Re: Opening A Bank Account

Posted: Thu Oct 05, 2017 10:42 pm
by eeuunikkeiexpat
But who uses a live teller when not needed :?: :wink:

The only persons that would find BE "bad" IMO are those who live in Santiasco. The lines are always impossibly long (like all public AND private services in Santiasco). Here in the provinces, things are a lot more tranquil and manageable.

Re: Opening A Bank Account

Posted: Thu Oct 05, 2017 11:47 pm
by Space Cat
Yes, I always go to a small branch instead of the central one and rarely wait more than 5 minutes.

Re: Opening A Bank Account

Posted: Fri Oct 06, 2017 5:42 pm
by Britkid
I asked in a Banco Estado once and they suggested to go Tuesday-Thursday (there were some specific things people would do Mondays and Fridays, also makes sense that people are trying to get things done on Monday/Friday before/after the bank being closed at the weekend) and they also suggested middle of the month (people tend to get paid end of month).

Occassionally I go right at the start of the month or end (maybe 29th-5th) and I have to queue. For say 10th-15th on a Tuesday-Thursday there is little or no queue.

I mostly go in Isla de Maipo where the queue is like 30 minutes for 29th-5th or 5 minutes for 10th-15th Tuesday-Thursday.

In Talagante it is about 1-2 hours for 29th-5th or 30 minutes for 10th-15th.

Re: Opening A Bank Account

Posted: Mon Oct 16, 2017 12:11 pm
by tiagoabner
I got a Cuenta RUT last month to simplify some payments (IE. rent & condo fees), but I often get an "En este momento no lo podemos atender" error message when doing transfers online. Has someone here received these previously? I assume this is just Banco Estado being lazy, down for maintenance or anything in between, but it strikes me as something kind of odd and annoying.

I have double checked and it isn't an error on my side. I have done transfers previously (IE. last Friday), I have balance available and I have used the right "claves".