Сredits and loans
Credit Card
Debit card
Virtual Card
Referral program
Mobile Apps
Rating 4.00 0
We calculate the rating from AskWallet editorial and user ratings

Chime is an online-only financial technology business that offers checking and savings accounts in collaboration with two banks. It does not operate as a regular neighborhood bank, but its accounts are nevertheless FDIC insured.



  • Personal IBAN

  • Affiliate program

  • Cashback

  • SEPA

  • Loyalty program

  • Insurance

  • Multicurrency account


  • Card

  • Crypto


Has mobile app: Yes
Has web version: Yes
Languages: English
Founded: 2,013
Not available in these countries: BDI, CUB, IRQ, LAO, PRK, SYR, CAF, COD, YEM, ALB, BIH, BLR, MKD, MNE, SRB, UKR, VEN, SOM, IRN, SDN, South SDN, ZWE, HRV, LVN, LBY, NIC, Kosovo
Jurisdiction: USA

Main info

Has insurance: Yes
Has trading: No
Has budget planner: No
Has bill split: Yes
Has iban: No
Has sepa: No
Has swift: No
Main currency: USD
Number of currencies: 1
Cashback: If you are using app version 3.4 or later, the ATM finder also identifies 38,000 cash-back locations at major merchants across the US such as Walmart, CVS, Bed Bath and Beyond, Target, and major grocery chains like Whole Foods, Trader Joe's, and Safeway.
Bonus: 0.50% Annual Percentage Yield (APY).¹ Set money aside with Automatic Savings features. And never pay a fee².

1 The Annual Percentage Yield (“APY”) for the Chime Savings Account is variable and may change at any time. The disclosed APY is effective as of January 1st, 2022. No minimum balance required. Must have $0.01 in savings to earn interest.

2 There’s no fee for Chime Savings Accounts. Cash Withdrawal and Third-party fees may apply to Chime Checking Accounts. You must have a Chime Checking Account to open a Chime Savings Account.
Credit: When you transfer money to Credit Builder, Chime keeps the money in your Credit Builder Secured Account to secure the purchases you make on your credit card. The amount you transfer to your Credit Builder Secured Account becomes available to spend on your Credit Builder Card.

Enable Safer Credit Building to automatically pay your monthly credit card statement on time using the money you’ve already transferred to Credit Builder – no new money from your Spending Account is needed!

At the end of the month we’ll report your activity to the credit bureaus and you’ll see an update to your credit report within 60 days.

Enabling Safer Credit Building also means we make your automatic payment as soon as possible, within one day of letting you know the payment amount. Alternatively, you can choose to wait ten days after receiving notice.

In the rare case that your payment due falls outside the range between $0.00 and the total amount you’ve transferred into Credit Builder, we’ll make a partial payment and provide you 21 days’ notice of the remaining amount due.

You can change your automatic payment and notice of payment amount settings separately anytime in Credit Builder settings.
Referral program: Chime is a free online bank that offers a $100 referral bonus if you open a new Chime account using a referral link. To earn the $100 referral bonus, you need to do the following:

-Open a new Chime bank account using a referral link.

-Make a direct deposit of $200 or more within 45 days of opening your account.

-The $100 bonus posts to your Chime account within 2 business days of meeting the requirements, but typically posts instantly once the requirements are met.
Money transfer


Has virtual card Yes
Has multicurrency card No
Personal credit and loans Credit cards Yes
More info Chime1 also doesn't allow direct cryptocurrency purchases, but it's crypto-friendly because you can still use it to indirectly access crypto. You can use your Chime account to make instant transfers to friends with its Pay Friends feature.
Payment card type Debit/ Credit
Card provider Visa
Card limits Over-the-counter withdrawal - $500 per day
Card purchases that require signature and pin - $2,500 per day

Money transfer

Money transfer speed (days): 1

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