# 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 (239)](https://www.capterra.com/p/173384/Qonto/reviews/)

[Chime](https://www.capterra.com/p/228456/Chime/)[4.6 (102)](https://www.capterra.com/p/228456/Chime/reviews/)

[## Qonto](https://www.capterra.com/p/173384/Qonto/)[4.5 (239)](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

CM

Based on [239 reviews](#user-reviews)

Positive

212

Neutral

3

Negative

24

[## Chime](https://www.capterra.com/p/228456/Chime/)[4.6 (102)](https://www.capterra.com/p/228456/Chime/reviews/)

Starting Price

Contact vendor

Value-for-Money

4.7

Functionality

4.6

Ease of Use

4.7

Customer Service

4.3

Reviews Sentiment

Based on [102 reviews](#user-reviews)

Positive

92

Neutral

6

Negative

4

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## Summary

* * *

Features in Online Banking Software

12 / 37

Only Qonto

-   Activity Dashboard
-   API
-   Financial Management

Best performer

18 / 37

Only Chime

-   ACH Payment Processing
-   Alerts/Escalation
-   Authentication

User satisfaction

User satisfaction

4.5

User reviews[239](https://www.capterra.com/p/173384/Qonto/reviews/)

Ease of use

4.7

Functionality

4.5

Value for money

4.3

Customer support

4.4

User satisfaction

4.6

User reviews[102](https://www.capterra.com/p/228456/Chime/reviews/)

Ease of use

4.7

Functionality

4.6

Value for money

4.7

Customer support

4.3

Price starts from

Price starts from

€9Flat Rate, Per Month

-   Free version
-   Free trial

Price starts from

\--

-   Free version
-   Free trial

Best for

Best for

SMEs, Freelancers, Micro-enterprises, Company creators, Non-profits

Best for

Not provided by vendor

## User reviews

Pros & cons

CM

Cameron M.

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)

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)

Shimon Felix W.

CEO

> "The interface is clean, intuitive, and well designed."

[See full review](https://www.capterra.com/p/173384/Qonto/#Capterra___7062783)

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)

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)

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)

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)

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)

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)

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)

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)

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)

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)

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)

NA

Natasha A.

Oncology

> "Not worth it, doesn’t help credit score."

[See full review](https://www.capterra.com/p/228456/Chime/#Capterra___6570446)

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)

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)

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)

MS

MICHELLE S.

Owner

> "High fees and long wait times for Chime"

[See full review](https://www.capterra.com/p/228456/Chime/#Capterra___6005626)

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)

NA

Natasha A.

Oncology

> "This is not a credit builder"

[See full review](https://www.capterra.com/p/228456/Chime/#Capterra___6570446)

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)

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)

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)

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)

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)

JW

John W.

HR

> "There is quite a few free ATM's."

[See full review](https://www.capterra.com/p/228456/Chime/#Capterra___6666254)

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)

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)

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)

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)

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)

Joshua B.

CEO

> "Chime has your back."

[See full review](https://www.capterra.com/p/228456/Chime/#Capterra___6670500)

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)

EJ

Eric J.

Welder

> "The ease and integration of the credit builder checking and saving and external accounts also spot me feature is..."

[See full review](https://www.capterra.com/p/228456/Chime/#Capterra___4040147)

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)

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)

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)

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/)

4.52 (239)

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

No recognitions have been awarded to Chime

### 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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