Hey dude, I have experience with Chile because I have permanent residence in the country (don't live there but I still renew it). First thing first: without a RUT you have no single option but foreign bank accounts and withdrawing on ATMs, and yeah you will spend A LOT (unless you want to use cryptos which you still will spend a lot in fees but a little less).
Once you get your temporal residence (first RUT you get while you are on the temporal visa type) you should open a wise account, open a "cuenta rut" in Bancoestado and from your wise account send money to your account, it's going to be the cheapest way.
Once with your temporal RUT you can also open a "superdigital" account where you can also receive funds from wise, I recommend to open as much accounts as you can because all of them have send/receive limits (really low limits).
Now once you have the temporal RUT AND are able to prove income (either by emiting "boletas de honorarios" which are like service bills individuals can issue) go to the "Banco de Ripley" and open a "cuenta vista" which has higher limits than Bancoestado and you algo get a debit card for day to day expenses.
I also recommend you opening a crypto account in the exchange cryptomrk so you can use it in case you have the option to receive cryptos
In resume, without at least the temporal RUT you're almost screwed and you will need to live a cash live while paying between 3%-6% on fees but once you get your temporal RUT it's a "little" easier. I know it's difficult and a pain, but it was worth the time because I didn't pay any taxes during the first three years thanks to the Chilean law where foreign income is not taxed during the first three years of living in the country
PS: years visiting this forum but first comment just to help on this matter
