Send money from the US to Chile
Seen from New York, the corridor looks like this. North American firms pay Chilean developers and suppliers, and families support students in Santiago. From New York, Grey pays CLP straight into a bank account in Chile, with the rate and fee shown before you tap send.
USD
CLP
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Why New York to Santiago needs a proper rate
The US has the world's largest immigrant population, and American firms pay contractors on every continent.
On the Santiago side, the pattern is different. North American firms pay Chilean developers and suppliers, and families support students in Santiago. Grey pays Chilean pesos into any bank in Chile, including Banco de Chile, BancoEstado, Santander Chile, BCI. You see the exact CLP amount before you confirm, and that's the amount that arrives.
How sending to Chile works
Sign up
Verify once with your government-issued ID. From then on, sending to Chile or anywhere else is a saved recipient and three taps. Grey Inc is registered with FinCEN.
Fund
Add dollars from Chase, Bank of America, Wells Fargo, Capital One or any US bank. The balance shows in the app straight away, ready to convert to CLP when you need it.
Send
You'll need the recipient's RUT, bank and account number. Grey quotes USD to CLP, you confirm the pesos, and it goes.
Where the money goes on the US to Chile
Grey converts USD to CLP in one step for senders in New York, shows the rate and the fee as two separate numbers, and locks both before you confirm. No second conversion, no deduction at Banco de Chile.
Fixed from New York to Santiago
Grey fixes the USD to CLP rate at the moment you confirm. The CLP amount doesn't move after that.
When you've calculated exactly what a month in Santiago costs from New York, the number needs to hold.
Why this route is priced badly elsewhere
On this route from New York, the reason to switch is simple. Ask a bank to send Chilean pesos and you'll usually be told to send dollars and let the recipient sort it out. That pushes the cost onto the person in Santiago. That's the standard Grey works to for a sender in New York: USD to CLP quoted directly, delivered to Banco de Chile.
The recipient's side in Chile
CLP at Banco de Chile, or any other bank in Chile, as a straightforward deposit. The recipient in Santiago doesn't see Grey, doesn't need Grey, and isn't charged by Grey. You in New York see settled in the app.
Any bank in Chile
Bank name plus account number. The CLP lands directly.
Saved details
Save a landlord, school or supplier once for repeat transfers.
Payment records
Each transfer is logged with the rate and fee for your own reconciliation.
Where senders to Santiago start
Top up in dollars from your bank app, or leave a small standing balance if you send to Santiago more than once a month. US senders fund by ACH, wire or FedNow from Chase, Bank of America, Wells Fargo or any US bank. FedNow lands instantly where the sending bank supports it.
Bank transfer
Chase, Bank of America, Wells Fargo, Capital One or any US bank to your Grey USD account, usually within minutes.
Foreign earnings
USD from an overseas employer or platform can fund the Chile transfer directly.
Wallet balance
Convert and send the same minute.
Most senders from New York to Santiago settle into a rhythm: top up on payday, convert on the due date, done.
What this route is used for
Students
Living costs for students at Universidad de Chile, PUC and Universidad de Concepción.
Freelancers and contractors
Payments to Chilean developers, designers and consultants in pesos.
Family
Support for relatives in Santiago, Valparaíso and Concepción.
Trade
Payments to Chilean exporters of wine, fruit and mining services.
The US has the world's largest immigrant population, and American firms pay contractors on every continent. On the Chile side, the picture is this. North American firms pay Chilean developers and suppliers, and families support students in Santiago.
The case for Grey on this route
Most the US to Chile transfers repeat. What matters isn't a flashy first transfer but the twelfth one costing exactly what the first did, from New York to Santiago.
USD in from New York, CLP out to Banco de Chile. Fee and rate first, nothing deducted after. [VERIFY CLP local payout live: Notion DB says No, Slack May 12 says testing complete]
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