Things to know before moving to Chile

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Moving to Chile requires careful planning and preparation. This comprehensive guide covers everything you need to know before making Chile your new home, from visa requirements to cultural nuances that will help you integrate successfully.

Visa Requirements and Immigration

Essential Documentation Process

Once you arrive in Chile with your approved visa:

1. Apply for RUT/RUN: Chilean tax ID number essential for all activities
2. Get Chilean ID card (Cédula de Identidad) from Registro Civil
3. Complete visa process within 30 days of arrival
4. Register address with immigration authorities

For detailed visa information, see our comprehensive visa guide.

Banking and Money Management

Currency and Exchange Rates

Chile uses the Chilean peso (CLP). As of 2025, the exchange rate is approximately 970 CLP per 1 USD. The peso fluctuates significantly, so monitor rates when making large transfers.

Banking Hours and ATMs

Traditional Banking:

• Bank branches: Monday-Friday, 9:00 AM - 2:00 PM
• Long queues common before 9 AM
• Limited Saturday hours at some branches

24/7 Services:

• ATMs (Redbanc network) widely available
• Online and mobile banking
• Most international cards accepted at ATMs

Opening Bank Accounts

Requirements for Checking Accounts:

• Chilean RUT/RUN (ID number)
• Proof of income or employment contract
• Address verification in Chile
• Initial deposit (varies by bank)

Account Options for New Residents:

1. CuentaRUT (Banco Estado): Basic account available to all RUT holders, no income requirements
2. International banking programs: Some banks offer special services for expats
3. Corporate accounts: Through employer relationships

Digital Banking:

• All major banks offer mobile apps
• Online transfers and bill payments standard
• Some banks offer English-language support

For comprehensive banking information, see our Banking section.

Cost of Living Expectations

Chile is the most expensive country in South America, with costs approaching some Western countries, especially in Santiago. However, it remains affordable for North American and European expats while offering excellent quality of life.

Budget Guidelines (2025):

• Single person: 1,200-2,500 USD/month depending on lifestyle
• Couple: 2,000-4,000 USD/month
• Family of four: 3,500-6,500 USD/month

Major Expense Categories:

• Housing: 30-50% of budget
• Healthcare: 5-15% of budget (with insurance)
• Food: 15-25% of budget
• Transportation: 10-15% of budget

For detailed cost breakdowns, see our comprehensive cost of living guide.

Language and Communication

Chilean Spanish Characteristics

Chilean Spanish is notoriously different from standard Spanish, even challenging for native Spanish speakers:

Key Differences:

• Dropped letters: "s" often omitted ("estás" → "está")
• Fast speaking pace: Rapid, informal speech patterns
• Unique vocabulary: Many Chilean-specific words and expressions
• Slang usage: Heavy use of "modismos" (local expressions)

Vocabulary Differences:

• Rush hour: "hora punta" (not "hora pico")
• Queue: "hacer la fila" (not "hacer la cola")
• Bus: "micro" (not "autobús")
• Avocado: "palta" (not "aguacate")

Language Learning Tips:

• Start with Chilean Spanish resources before arriving
• Watch Chilean TV shows and news
• Practice with Chilean tutors online
• Be patient - adaptation takes 3-6 months for Spanish speakers

Transportation and Driving

Driving License Requirements

Temporary Options:

• International Driving Permit: Valid for tourists and temporary residents
• Home country license: Acceptable for short-term rentals

Permanent Residents Need Chilean License Unless:

• From Spain, South Korea, or select Latin American countries (7 total with agreements)
• Working at embassies or diplomatic missions

Getting Chilean Driver's License

1. Medical exam at authorized center
2. Written test on Chilean traffic laws
3. Practical driving test
4. Fee payment: ~50-80 USD total
5. Processing time: 2-4 weeks

For complete driving information, see our driving license guide.

Climate and Geography

Reversed Seasons

Chile is in the Southern Hemisphere, meaning seasons are opposite to North America and Europe:

• Summer: December-March (warm, dry)
• Winter: June-September (cool, rainy)
• Spring: September-December
• Autumn: March-June

Climate Zones

Chile's unique geography (4,300km long, 150km average width) creates diverse climates:

Northern Chile (Antofagasta, Iquique):

• Desert climate, very dry
• Year-round warm temperatures
• Minimal rainfall

Central Chile (Santiago, Valparaíso):

• Mediterranean climate
• Hot, dry summers (25-30°C)
• Mild, wet winters (5-15°C)
• Most expats live here

Southern Chile (Puerto Montt, Punta Arenas):

• Oceanic climate
• Cool, wet year-round
• Strong winds, especially in Patagonia

Natural Hazards and Preparedness

Chile experiences natural events regularly, but has excellent preparedness:

• Earthquakes: Common, buildings designed to withstand them
• Tsunamis: Coastal areas have warning systems
• Wildfires: Mainly summer in central/south regions
• Floods: Winter rains can cause localized flooding

Preparedness Culture: Chileans are well-trained for natural events, with regular drills and emergency procedures.

Culture and Social Life

Cultural Characteristics

Chile is highly Westernized with European influences, making cultural adaptation easier for Western expats:

Social Values:

• Family-oriented: Family gatherings central to social life
• Formal initially: Use titles and formal address until invited otherwise
• Punctuality: Business punctuality expected, social events more flexible
• Respect for hierarchy: Traditional respect for authority and age

Work Culture:

• Long lunch breaks: 1-2 hour lunch common
• Late dinner: Dinner often after 8-9 PM
• Work-life balance: Improving, but work demands can be high

Religion and Beliefs

Religious Composition (2025 estimates):

• Catholic: ~60% (declining from historical 70%)
• Protestant/Evangelical: ~18%
• No religion: ~15%
• Other religions: ~7%

Practical Impact:

• Religious holidays are national holidays
• Sunday family gatherings common
• Generally tolerant of different beliefs
• Secular society despite Catholic influence

Domestic Help and Household Staff

Common Practice

Many middle and upper-class Chilean families employ domestic help:

Types of Arrangements:

• Live-in help: Full-time, lives in separate quarters
• Daily help: Comes several days per week
• Weekly help: Once or twice weekly cleaning
• Specialized help: Nannies, gardeners, security

Legal Requirements

Mandatory Registration:

• All domestic workers must be legally declared
• Social security contributions required
• Minimum wage laws apply
• Vacation and sick leave rights
• Contract requirements for regular employment

Penalties for Non-Compliance:

• Significant fines from Labor Department
• Back-payment of social contributions
• Legal liability for workplace injuries
• Immigration complications if employing undocumented workers

Typical Costs (2025):

• Daily cleaning: $25,000-40,000 CLP (25-40 USD) per day
• Live-in help: $400,000-700,000 CLP (410-720 USD) per month plus room/board
• Nanny services: $450,000-800,000 CLP (460-825 USD) per month

Healthcare System

Chile has a two-tier healthcare system with both public and private options. Healthcare quality is excellent, especially in private facilities.

Healthcare Options

FONASA (Public Healthcare):

• Coverage: Public hospitals and some private facilities
• Cost: Based on income percentage (0-7% of salary)
• Best for: Lower-income residents, families with children
• Limitations: Longer wait times, limited private facility access

ISAPRE (Private Healthcare):

• Coverage: Private clinics and hospitals
• Cost: Fixed monthly premium (typically 100-400 USD/person)
• Best for: Higher-income expats, those wanting immediate access
• Considerations: Each ISAPRE has specific partner hospitals - choose carefully

International Health Insurance:

• Coverage: Global coverage including Chile
• Cost: 200-800+ USD/month per person
• Best for: Expats wanting worldwide coverage
• Benefits: English-speaking providers, evacuation coverage

Healthcare Costs (Without Insurance)

• General practitioner visit: 50-100 USD
• Specialist consultation: 80-200 USD
• Emergency room: 200-500+ USD
• Hospital stay: 300-800+ USD per day

For detailed healthcare information, see our healthcare guide.

Essential Items to Bring

Critical Documents

Always bring apostilled/legalized copies:

• Birth certificate (for visa processes)
• Marriage certificate (if applicable)
• University diplomas and transcripts (for job applications)
• Professional licenses/certifications
• Medical records and vaccination certificates
• International driving permit
• Bank statements (for financial proof)
• Police background checks (recent, from all countries lived in)

Practical Items

Electronics:

• Laptop and electronics (Chilean prices higher)
• Power adapters (Chile uses Type C & L plugs)
• Phone unlocked for Chilean SIM cards

Clothing:

• Business attire for job interviews
• Seasonal clothing for reversed seasons
• Quality shoes (expensive in Chile)
• Outdoor gear if you enjoy hiking/skiing

Medical/Personal:

• 6-month supply of prescription medications
• Preferred vitamins/supplements
• First aid kit with basics
• Specialty personal care items

Recommended Vaccinations

• Hepatitis A and B
• Tetanus/Diphtheria (up to date)
• Influenza (seasonal)
• COVID-19 (as required)

Cultural Sensitivity and Social Awareness

Sensitive Historical Topics

Military Dictatorship (1973-1990):

• Remains a divisive topic in Chilean society
• Avoid taking strong political positions as a newcomer
• Listen respectfully if Chileans share their experiences
• If asked directly, diplomatically say you're still learning about Chilean history
• Observe memorials and remembrance sites with respect

Current Social Issues

Education System:

• High university costs create ongoing student protests
• Public education quality varies significantly
• Private universities dominate higher education
• Be understanding of student activism and protests

Economic Inequality:

• Significant income disparities exist
• Pension system (AFP) creates retirement challenges
• Healthcare access varies by economic status
• Be sensitive to discussions about social mobility

Public Health Initiatives:

• Government actively combats obesity with food labeling
• "Alto en" (High in) labels on processed foods common
• Healthy eating campaigns widespread
• Smoking restrictions strictly enforced

Social Etiquette Tips

• Greetings: Handshakes common, air kisses for close friends
• Dining: Wait to be seated, keep hands visible during meals
• Punctuality: Arrive on time for business, 15-30 minutes late for social events acceptable
• Conversation: Avoid immediate political discussions, focus on positive aspects of Chile
• Personal space: Chileans stand closer during conversation than North Americans

Getting Professional Help

Moving to Chile involves numerous complex processes that can be overwhelming to handle alone.

Consider Professional Assistance For:

• Visa application processes and document preparation
• Finding and securing appropriate housing before arrival
• Understanding Chilean employment law and contracts
• Setting up banking, healthcare, and other essential services
• School selection and enrollment for children
• Cultural orientation and language learning resources

For comprehensive relocation support, including pre-arrival planning and on-ground assistance, contact our expat services team or book a consultation.

Frequently asked questions about moving to Chile

Do you want to go more in detail?

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✅ To-do lists to help you start
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