# Compare Qonto vs Chime 2026 | Capterra > Unsure of what to choose? Check Capterra to compare Qonto and Chime based on pricing, features, product details, and verified reviews. Source: https://www.capterra.com/compare/173384-228456/Qonto-vs-Chime --- # Qonto vs Chime Features and Cost Comparison Last updated April 1st, 2026 Provider data verified by our Software Research team, and reviews moderated by our Reviews Verification team.[Learn more](https://www.capterra.com/our-story/) Your comparison: QontoChime2/4 selected [Qonto](https://www.capterra.com/p/173384/Qonto/)[4.5 (251)](https://www.capterra.com/p/173384/Qonto/reviews/) [Chime](https://www.capterra.com/p/228456/Chime/)[4.6 (104)](https://www.capterra.com/p/228456/Chime/reviews/) [## Qonto](https://www.capterra.com/p/173384/Qonto/)[4.5 (251)](https://www.capterra.com/p/173384/Qonto/reviews/) Starting Price €9.00/month Value-for-Money 4.3 Functionality 4.5 Ease of Use 4.7 Customer Service 4.4 Reviews Sentiment Based on [251 reviews](#user-reviews) Positive 222 Neutral 3 Negative 26 [## Chime](https://www.capterra.com/p/228456/Chime/)[4.6 (104)](https://www.capterra.com/p/228456/Chime/reviews/) Starting Price Contact vendor Value-for-Money 4.6 Functionality 4.6 Ease of Use 4.6 Customer Service 4.3 Reviews Sentiment Based on [104 reviews](#user-reviews) Positive 93 Neutral 6 Negative 5 ## Not a match? 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CEO > "Daily tasks like viewing balances, sending payments, and managing cards are pleasant and intuitive." [See full review](https://www.capterra.com/p/173384/Qonto/#Capterra___7035698) Gilbert S. CEO > "Following a routine document request, my account was blocked without notice, even though all documents had been..." [See full review](https://www.capterra.com/p/173384/Qonto/#Capterra___7128302) Gilbert S. CEO > "As long as no issues occurred, the platform was reliable and efficient for handling business transactions." [See full review](https://www.capterra.com/p/173384/Qonto/#Capterra___7128302) CM Cameron M. CEO > "Customer support is polite when things go smoothly but tends to disappear when a real problem arises — promised..." [See full review](https://www.capterra.com/p/173384/Qonto/#Capterra___7035698) CM Cameron M. CEO > "It’s also one of the few French fintechs that accepts U.S. citizens, which was a major advantage for my professional..." [See full review](https://www.capterra.com/p/173384/Qonto/#Capterra___7035698) MG Miguel G. Investor > "Some invoices are still not properly reconciliated and the team needs to take photos, categorize and upload receipts" [See full review](https://www.capterra.com/p/173384/Qonto/#Capterra___6816278) Gilbert S. CEO > "Initially, Qonto offered a modern and easy-to-use business banking solution." [See full review](https://www.capterra.com/p/173384/Qonto/#Capterra___7128302) Gilbert S. CEO > "For a business-critical service like banking, this is unacceptable." [See full review](https://www.capterra.com/p/173384/Qonto/#Capterra___7128302) DS David S. Owner > "I like the ease of use both from a web browser and the mobile app." [See full review](https://www.capterra.com/p/173384/Qonto/#Capterra___7152398) PD Pierre D. CEO > "ridiculously irrespectful and costly" [See full review](https://www.capterra.com/p/173384/Qonto/#Capterra___2577834) [View Reviews](https://www.capterra.com/p/173384/Qonto/reviews/) JP Jessica P. Administrative Assistant > "I love that Chime has the SpotMe feature. Where it allows me to go over a purchase of five dollars and chime..." [See full review](https://www.capterra.com/p/228456/Chime/#Capterra___7002743) Josh L. Self employed > "The hung up on when I called customer service after they took my money and changed my mypay rate without a..." [See full review](https://www.capterra.com/p/228456/Chime/#Capterra___7139688) OP Oleg P. financial analyst > "You can also get a sign-up bonus for opening a new account." [See full review](https://www.capterra.com/p/228456/Chime/#Capterra___7128182) Josh L. Self employed > "They steal money from military veterans and charge fees when they claim they don’t." [See full review](https://www.capterra.com/p/228456/Chime/#Capterra___7139688) VR Verified Reviewer Online marketing > "I love the Chime spot me as well as the feature to send money to anyone even if they dont have a chime account." [See full review](https://www.capterra.com/p/228456/Chime/#Capterra___6350520) AW April W. Administration > "I don't like the fact every chime account isn't able to get the early pay and spot me bonus. If you have..." [See full review](https://www.capterra.com/p/228456/Chime/#Capterra___6626818) JW John W. HR > "I initially was only signing up to help a friend with a referral but there are so many features and with no..." [See full review](https://www.capterra.com/p/228456/Chime/#Capterra___6666254) RG Renee G. Owner > "However, there are a few downsides. Since Chime is completely online, there are no physical branches, which can..." [See full review](https://www.capterra.com/p/228456/Chime/#Capterra___6810000) IJ Ikiera J. Call center > "I love the colors the app chose for the app, I love how I can see when & what time my direct deposit hits the..." [See full review](https://www.capterra.com/p/228456/Chime/#Capterra___6179818) NA Natasha A. Oncology > "Opening chime dropped my credit score by 60 points." [See full review](https://www.capterra.com/p/228456/Chime/#Capterra___6570446) DC Destiny C. Owner > "It was love at 1st use & I will be the 1st to refer other people to this app any time theyre looking for a new..." [See full review](https://www.capterra.com/p/228456/Chime/#Capterra___7033192) MG Monche G. CEO > "One of only cons is That not considered a traditional bank" [See full review](https://www.capterra.com/p/228456/Chime/#Capterra___6457688) DM Damaris M. PSC > "I enjoy how when you lock/freeze your card no type of payments will go thru what so ever." [See full review](https://www.capterra.com/p/228456/Chime/#Capterra___6651092) NA Natasha A. Oncology > "Not worth it, doesn’t help credit score." [See full review](https://www.capterra.com/p/228456/Chime/#Capterra___6570446) JW John W. HR > "The early pay feature is nice. Although I have not tried it yet I see there is free tax filing as well." [See full review](https://www.capterra.com/p/228456/Chime/#Capterra___6666254) IJ Ikiera J. Call center > "I don’t like how my direct deposit came at night time sometimes but it did come 2 days earlier so that works" [See full review](https://www.capterra.com/p/228456/Chime/#Capterra___6179818) RG Renee G. Owner > "The mobile app is user-friendly and makes it easy to check balances, transfer money, or get alerts." [See full review](https://www.capterra.com/p/228456/Chime/#Capterra___6810000) MS MICHELLE S. Owner > "High fees and long wait times for Chime" [See full review](https://www.capterra.com/p/228456/Chime/#Capterra___6005626) TD Trenton D. Host > "Overall chime is great if you need a side account to move money through, looking to build your credit score." [See full review](https://www.capterra.com/p/228456/Chime/#Capterra___6535967) NA Natasha A. Oncology > "This is not a credit builder" [See full review](https://www.capterra.com/p/228456/Chime/#Capterra___6570446) RG Renee G. Owner > "Chime is a good option if you're looking for a basic, no-fee online bank." [See full review](https://www.capterra.com/p/228456/Chime/#Capterra___6810000) TH Todd H. Manager > "They won't help me troubleshoot and determine why it is not longer working. " [See full review](https://www.capterra.com/p/228456/Chime/#Capterra___6254480) OP Oleg P. financial analyst > "Chime is always free." [See full review](https://www.capterra.com/p/228456/Chime/#Capterra___7128182) AM Ambrecia M. Housekeeper > "I hate the overdraft part of it we can receive it but not use it or take it out." [See full review](https://www.capterra.com/p/228456/Chime/#Capterra___6054038) WD Willo D. Cashier > "They allow and help you to build your credit." [See full review](https://www.capterra.com/p/228456/Chime/#Capterra___6707948) SG Stacy G. Massage therapist > "If you loose access to your account then it's very difficult to get in touch with customer service" [See full review](https://www.capterra.com/p/228456/Chime/#Capterra___3664241) AI Andre I. Owner > "I like the fact that you can send money to anyone even non chime members" [See full review](https://www.capterra.com/p/228456/Chime/#Capterra___6364741) ER Edward R. House Cleaning > "With Chime they don't offer enough incentives like PayPal or cash app does" [See full review](https://www.capterra.com/p/228456/Chime/#Capterra___4220027) JW John W. HR > "There is quite a few free ATM's." [See full review](https://www.capterra.com/p/228456/Chime/#Capterra___6666254) SG Stacy G. Massage therapist > "I only used for a short time u til I lost access to the app and.info can't get a hold of customer service" [See full review](https://www.capterra.com/p/228456/Chime/#Capterra___3664241) AM Ambrecia M. Housekeeper > "I like the authentication of the app I can easily use my fingerprint to login instead of the password." [See full review](https://www.capterra.com/p/228456/Chime/#Capterra___6054038) JH Jocelyn H. Owner > "They let anyone take your money your funds is exposed" [See full review](https://www.capterra.com/p/228456/Chime/#Capterra___4592227) Melissa T. Associate > "It's credit builder is free & simplistic as are all it's features." [See full review](https://www.capterra.com/p/228456/Chime/#Capterra___6023244) Nicole K. Package Insurance Specialist/Photographer/CNA > "Sometimes, there is no in-network ATM available, or in the area, so I have to use one that charges a fee, which..." [See full review](https://www.capterra.com/p/228456/Chime/#Capterra___3050899) Joshua B. CEO > "Chime has your back." [See full review](https://www.capterra.com/p/228456/Chime/#Capterra___6670500) SS Shelten S. Accountant > "Things and I don't like about time as having to be able to always sign in even after I was just signed in" [See full review](https://www.capterra.com/p/228456/Chime/#Capterra___3525782) EJ Eric J. Welder > "The ease and integration of the credit builder checking and saving and external accounts also spot me feature..." [See full review](https://www.capterra.com/p/228456/Chime/#Capterra___4040147) Nicole K. Package Insurance Specialist/Photographer/CNA > "There is a $2.50 fee for using any ATM that is out of their network." [See full review](https://www.capterra.com/p/228456/Chime/#Capterra___3050899) VR Verified Reviewer Student > "I like that I could still have a checking and savings account with Chime." [See full review](https://www.capterra.com/p/228456/Chime/#Capterra___6029989) Chelsey V. Tester > "I like the least about chime, that no matter what i did or how long i kept the account i lost money but nobody..." [See full review](https://www.capterra.com/p/228456/Chime/#Capterra___3476241) TG Tiffany G. Building service worker > "So all around its an awesome banking app!!!" [See full review](https://www.capterra.com/p/228456/Chime/#Capterra___6757804) Anthony J. Business Development Consultant > "They bombard you with marketing emails." [See full review](https://www.capterra.com/p/228456/Chime/#Capterra___3231282) [View Reviews](https://www.capterra.com/p/228456/Chime/reviews/) ## User interface [Qonto](https://www.capterra.com/p/173384/Qonto/) 4.51 (251) No images or videos provided by vendor ### Features Qonto 12/37 - ACH Payment Processing - Activity Dashboard - AI Copilot - Alerts/Escalation - API - Authentication - Biometrics - Brokerage Management - Cash Management - Chat/Messaging - Compliance Management - Credit Card Management - Customer Accounts - Customizable Branding - Electronic Payments - Electronic Statements - Financial Management - Fraud Detection - Generative AI - Loan Management - Marketing Automation - Mobile Access - Multi-Currency - Multi-Language - Real-Time Monitoring - Real-Time Reporting - Reporting & Statistics - Retail Banking - Secure Data Storage - Single Sign On - SMS Messaging - Third-Party Integrations - Transaction History - Transaction Management - Transaction Monitoring - Two-Factor Authentication - User Management [See all features](https://www.capterra.com/p/173384/Qonto/#features) Chime Top features 18/37 - ACH Payment Processing - Activity Dashboard - AI Copilot - Alerts/Escalation - API - Authentication - Biometrics - Brokerage Management - Cash Management - Chat/Messaging - Compliance Management - Credit Card Management - Customer Accounts - Customizable Branding - Electronic Payments - Electronic Statements - Financial Management - Fraud Detection - Generative AI - Loan Management - Marketing Automation - Mobile Access - Multi-Currency - Multi-Language - Real-Time Monitoring - Real-Time Reporting - Reporting & Statistics - Retail Banking - Secure Data Storage - Single Sign On - SMS Messaging - Third-Party Integrations - Transaction History - Transaction Management - Transaction Monitoring - Two-Factor Authentication - User Management [See all features](https://www.capterra.com/p/228456/Chime/#features) ### Recognition No recognitions have been awarded to Qonto Chime Best Value Mobile BankingSoftware (2024)  ### Deployment & support Qonto Deployment - Cloud, SaaS, Web-Based - Desktop Mac - Desktop Windows - Desktop Linux - On-Premise Windows - On-Premise Linux - Desktop Chromebook - Mobile Android - Mobile iPhone - Mobile iPad Support - Email/Help Desk - FAQs/Forum - Knowledge Base - Phone Support - 24/7 (Live rep) - Chat Training - In Person - Live Online - Webinars - Documentation - Videos Chime Deployment - Cloud, SaaS, Web-Based - Desktop Mac - Desktop Windows - Desktop Linux - On-Premise Windows - On-Premise Linux - Desktop Chromebook - Mobile Android - Mobile iPhone - Mobile iPad Support - Email/Help Desk - FAQs/Forum - Knowledge Base - Phone Support - 24/7 (Live rep) - Chat Training - In Person - Live Online - Webinars - Documentation - Videos ### Company Details Qonto - By Qonto - Located in France - Founded in Chime - By The Bancorp Bank - Located in United States - Founded in ## 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