Reminder: AFP 10% retrieval deadlines (first ends by 30th of July 2021)

In response to the Covid pandemic the Chilean government passed laws to allow people fast and easy access to portions of their AFP funds. There were three separate access agreements and each had its own deadline. We want to make sure that you have the accurate information about these deadlines and summarise the most important content:


  • The first 10% retrieval is untaxed and can be submitted only once. This must be submitted by the 30th of July 2021.

  • The second 10% retrieval is taxed above a certain income limit (review our detailed blog article) and must be submitted by the 10th of December 2021.

  • The third 10% retrieval is, like the first retrieval, untaxed. This must be submitted by the 28th of April 2022.


If you are a foreign national, do not intend to retire in Chile, and have a total balance of approximately CL$ 3 million we recommend you use the 10% law to retrieve the total AFP balance by submitting all three requests in a cluster. Each request can only be made once and each AFP has the required forms published on its website.


While law 18.156 does have provisions for qualifying foreign people to retrieve funds, this is proving harder each year and many people find they are unable to access their money on departure. You can read more on that law here. If you would like help in replacing your AFP with an overseas fund or in accessing your full account value – please complete our enquiry form and we will contact you within 24 hours.


If you are an independent contractor and contribute the obligatory monthly % to the AFP these withdrawals offer a unique opportunity. The only way for a pre-retirement payout so far is the use of the 10% law as the full retrieval under law 18.156 is only available to contracted employees.


In the case that you have an expired RUT-Card with an invalid serial number and no bank account in Chile, there is the option to get an international bank transfer deposited into your foreign account directly by the AFP. The AFP companies have opened the possibility to submit all paperwork on line via their websites.


Another option for an international bank deposit is to fill out the online form found on You will need to print out your form and have it signed at a Chilean consulate abroad. The signed form will be shipped directly by consular postal service to Chile and the Superintendencia de Pensiones is in charge of distributing the papers to the corresponding AFP company.

Fuente/Source: AFP Habitat

Source: AFP Habitat


In case you need to find out which AFP company your funds are stored, you should be able to find out here


There should be no impact in a later full withdrawal by withdrawing the 10% allowances though the system and indeed the law itself could always be subject to change. If you need further help with a previous evaluation, please feel free to consult us.