How to send money from Australia to Chile

Providers that cover this corridor

Wise's help centre publishes a "Guide to CLP transfers" (fetched 11 September 2026), confirming it supports sending Chilean pesos to any bank account in Chile.

WorldRemit publishes a dedicated Chile page (worldremit.com/en/chile, fetched 11 September 2026) — a genuine country-specific page rather than a redirect — stating it supports cash pickup and deposits to Chilean peso bank accounts.

As with other corridors in this guide, check each provider's own site for the current fee and rate on your amount before choosing, since both are calculated at the time you set up the transfer.

What your recipient needs — the RUT number

Wise's CLP guide (fetched 11 September 2026) lists what it needs about your recipient: their full name, phone number, address, a 1–20 digit local account number with the account type (checking, savings or demand), the bank name and code, and their RUT number.

The RUT (also called RUN) is essentially a Chilean tax identification number, and Wise's own page describes it as mandatory for Chilean residents. If you're sending to a recipient in Chile, have this number ready before you start the transfer — it's one of the more distinctive requirements on this corridor compared with, say, a UK or US bank deposit.

Limits and timing

Wise's CLP guide states you can send up to 1 billion CLP per transfer (fetched 11 September 2026) — in practice a very high ceiling for a personal remittance, but a useful figure if you're moving a large sum such as a property-related payment.

Once Wise receives and converts your money, its guide states it usually takes 1 working day to arrive in your recipient's bank account, with conversion itself able to take up to 2 working days. WorldRemit's Chile FAQ (fetched 11 September 2026) states that 90% of its transfers reach local partners within minutes, with the recipient's actual access to the funds depending on the delivery method and how you paid.

Cash pickup as an alternative

If your recipient doesn't have a Chilean bank account, or you need the money available faster than a bank deposit, WorldRemit's page confirms cash pickup as a delivery option for Chile. As with the bank-deposit route, WorldRemit does not publish one fixed transfer limit — it states the cap depends on the destination, delivery method and how you're paying, shown to you when you set the transfer up.

For cash pickup, your recipient will typically need government-issued photo ID matching the name you entered when sending, so confirm the exact ID requirement in the provider's app before your recipient goes to collect the funds.

Tax and regulatory notes

As with any electronic international transfer, the Australian bank or provider you use files an International Funds Transfer Instruction (IFTI) report with AUSTRAC as part of its own compliance obligations, regardless of the amount you send — this happens automatically on the provider's side and doesn't require any action from you.

On the Chilean side, Migratio did not locate a specific published rule from the Banco Central de Chile or Chile's tax authority (SII) covering inward personal remittances during this review. If you're sending a large, one-off amount, it's worth asking your recipient's bank whether any local reporting applies to them.

Common mistakes to avoid

Leaving out the RUT number is the single most avoidable delay on this corridor — Wise's own guide lists it as a mandatory field, so a transfer submitted without it, or with a mistyped one, is likely to bounce back for correction rather than fail quietly.

Getting the account type wrong is the second one: Wise's form asks specifically whether the account is checking, savings or demand, and Chilean banks are exact about matching the type to what's on file for the account number given.

If your recipient would rather collect cash than wait for a bank deposit, decide on the delivery method with them before you start the transfer rather than defaulting to whichever option is first in the app — the two routes have different information requirements and different timing.

What is a RUT number and do I need my recipient's?

The RUT (or RUN) is a Chilean tax identification number. Wise's own CLP transfer guide lists it as a mandatory field for a Chilean resident recipient, alongside their name, address, phone number and bank account details.

Can I send money to Chile without a bank account for my recipient?

Yes — WorldRemit publishes cash pickup as a delivery option for Chile, alongside deposits to Chilean peso bank accounts, confirmed on its own site as at September 2026.

How much can I send to Chile in one transfer?

Wise publishes a per-transfer limit of up to 1 billion CLP. WorldRemit doesn't publish one fixed limit for its cash pickup and bank-deposit service — the cap depends on the destination, delivery method and payment method.

How long does a transfer to Chile take to arrive?

Wise states a bank deposit usually takes 1 working day once received and converted, with conversion itself taking up to 2 working days. WorldRemit says 90% of its transfers reach local partners within minutes, with actual availability depending on the delivery method.