Dashboard Blog
ES EN

Best Fixed-Term Deposits in Chile 2026 2026

Depósitos a Plazo (DAPs) are the most widely used savings instrument in Chile for generating returns on capital in the short and medium term. In February 2026, the best market rates are around 0.40% monthly (~4.8% annually), with Banco Internacional and Banco Consorcio leading the rankings. For those seeking full liquidity, Mercado Pago Chile offers ~8% annually through a mutual fund with daily returns. APYData compares all products available in Chilean pesos so you can make the best decision.

3
Products compared
8.00%
Best APY available
6.10%
Average APY
# Entity Product APY Score Risk Liquidity View
1
Mercado Pago
 Cuenta Mercado Pago Chile 8.00% 7.0 Low — View →
2
Banco Consorcio
 Cuenta de Ahorro Consorcio Chile 5.50% 7.8 Low — View →
3
Banco Internacional
 DAP Banco Internacional Chile 4.80% 7.6 Low — View →
Want to filter by term, currency or guarantee?
Use the full comparator with all available filters.
Open comparator →
APY Radar — weekly yield alerts

Receive an email when a product exceeds your target APY. No ads, no spam — just data.

APY ≥ %
Frequently asked questions
What is a DAP in Chile?
A DAP (Depósito a Plazo) is a bank contract where you deposit money for a fixed period in exchange for an interest rate. It can be renewed at maturity. DAPs at Chilean banks are protected by the state guarantee up to UF 108 (~CLP 4 million).
Is a DAP or Mercado Pago Chile better for saving?
It depends on your time horizon. Mercado Pago Chile offers ~8% annually with daily liquidity but is a mutual fund (no state guarantee). DAPs offer ~4.8% with capital protected by banking guarantee but no access until maturity. For capital you do not need short-term, the DAP is safer.
How do bank rates compare in Chile?
DAP rates vary between banks. In 2026, the average market rate is around 0.36% monthly, with leaders (Banco Internacional, Banco Consorcio, BTG Pactual) offering up to 0.40% monthly. BancoEstado is usually below average but offers UF-denominated products that protect against inflation.