# Chime Software Pricing, Alternatives & More 2026 | Capterra > With the help of Capterra, learn about Chime Software - reviews, pricing plans, popular comparisons to other Mobile Banking products and more. Source: https://www.capterra.com/p/228456/Chime --- # Chime Software Review 2026: Features, Integrations, Pros & Cons Last updated on April 1, 2026 Provider data verified by our Software Research team, and reviews moderated by our Reviews Verification team. Independent research methodology Capterra’s researchers use a mix of verified reviews, independent research and objective methodologies to bring you selection and ranking information you can trust. While we may earn a referral fee when you visit a provider through our links or speak to an advisor, this has no influence on our research or methodology. [Learn more](https://www.capterra.com/resources/proprietary-data-research/) How Capterra verifies reviews Capterra carefully verified over 2.5 million+ reviews to bring you authentic software experiences from real users. Our human moderators verify that reviewers are real people and that reviews are authentic. They use leading tech to analyze text quality and to detect plagiarism and generative AI. [Learn more](https://www.capterra.com/resources/how-we-verify-reviews/) How Capterra ensures transparency Capterra lists all providers across its website—not just those that pay us—so that users can make informed purchase decisions. Capterra is free for users. Software providers pay us for sponsored profiles to receive web traffic and sales opportunities. Sponsored profiles include a link-out icon that takes users to the provider’s website. [Learn more](https://www.capterra.com/resources/how-we-ensure-transparency/) [Description](#description)[Use cases](#use-cases)[Alternatives](#alternatives)[Users](#users)[Features](#features)[Pricing](#pricing)[Support](#support)[Reviews](#reviews) Chime ## What is Chime? Online banking solution that offers daily transaction tracking, payment transfer, notifications, and more. ## What is Chime used for? [Mobile Banking](https://www.capterra.com/mobile-banking-software/)[Online Banking](https://www.capterra.com/online-banking-software/) Overall rating Based on 104 user reviews Reviews sentiment Positive 89% Neutral 6% Negative 5% Contact vendor for pricing Free trial not available Capterra Shortlist charts the highest-rated and most popular products... Our "Best of" badge program showcases products with the highest ratings... Our "Best of" badge program showcases products with the highest ratings... Do you work for Chime?[Manage this product listing](https://digitalmarkets.gartner.com/get-listed/claim-bx?url=https://thebancorp.mybankingservices.com&name=Chime) ## Compare with a popular alternative Capterra selects software alternatives based on relevant features, verified user reviews and user interactions. Placement may be influenced by client status. ### Chime 4.6 (104) VS. [### Google Pay](https://www.capterra.com/p/212826/Google-Pay/) [4.6 (915)](https://www.capterra.com/p/212826/Google-Pay/reviews/) Starting Price Contact vendor Starting Price Contact vendor Free Trial Free Version Pricing Options Free Trial Free Version Ease Of Use 4.6 (104) Ease Of Use 4.6 (915) Value For Money 4.6 (91) Value For Money 4.6 (655) Customer Service 4.3 (91) Customer Service 4.2 (648) ## Chime alternatives [Cash App](https://www.capterra.com/p/246167/Cash-App/) [4.2 (688)](https://www.capterra.com/p/246167/Cash-App/reviews/) Starting price Contact vendor for pricing Pricing Options Free Trial Free Version User Rating 82% of reviewers rated it above 4 stars [Learn More](https://www.capterra.com/p/246167/Cash-App/) [Samsung Pay](https://www.capterra.com/p/213917/Samsung-Pay/) [4.5 (265)](https://www.capterra.com/p/213917/Samsung-Pay/reviews/) Starting price Contact vendor for pricing Pricing Options Free Trial Free Version User Rating 89% of reviewers rated it above 4 stars [Learn More](https://www.capterra.com/p/213917/Samsung-Pay/) [Qonto](https://www.capterra.com/p/173384/Qonto/) [4.5 (249)](https://www.capterra.com/p/173384/Qonto/reviews/) Starting price $9.00 Per User, Per Month Pricing Options Free Trial Free Version User Rating 89% of reviewers rated it above 4 stars [Learn More](https://www.capterra.com/p/173384/Qonto/) [Crowded](https://www.capterra.com/p/255296/Crowdedme/) [4.2 (34)](https://www.capterra.com/p/255296/Crowdedme/#reviews) Starting price Contact vendor for pricing Pricing Options Free Trial Free Version User Rating 79% of reviewers rated it above 4 stars [Learn More](https://www.capterra.com/p/255296/Crowdedme/) [View all alternatives](https://www.capterra.com/p/228456/Chime/alternatives/) ## Who uses Chime? Based on Capterra reviews from the past 5 years Company size Based on 104 reviews 100% 75% 50% 25% Smallbusiness Midsizebusinesses Enterprise Top job functions Based on 104 reviews Administrative 16% Administrative 16% Entrepreneurs/ Owners 13% Creative & Design 9% Construction 9% Others 53% Top industries Based on 104 reviews Retail 35% Hospital & Health Care 23% Arts and Crafts 14% Entertainment 14% Other 14% ## Features Features with the highest number of reviews are displayed first. Those that have no reviews appear next, sorted alphabetically. Electronic Payments 4.5 (54) 81.48% of 54 reviewers that rated this feature as important or highly important Chime helps you send, receive, and schedule electronic payments quickly and easily. Reviewers appreciate the fast processing, recurring payment options, and early direct deposit, though a few mention occasional glitches or delays with notifications. Mobile Access 4.9 (49) 79.59% of 49 reviewers that rated this feature as important or highly important With Chime’s mobile access, you can manage your account, view balances, and complete transactions from anywhere. Reviewers appreciate the convenience, strong security measures like fingerprint login, and real-time alerts, making banking easy and accessible on the go. Transaction History 4.6 (48) 83.33% of 48 reviewers that rated this feature as important or highly important It gives you a clear, up-to-date view of all your transactions, including pending and posted items. Reviewers appreciate the detailed records, easy access from mobile or desktop, and the ability to track spending and income efficiently. Transaction Monitoring 4.6 (47) 76.60% of 47 reviewers that rated this feature as important or highly important Chime offers detailed transaction monitoring, letting you track spending, receive instant alerts, and quickly spot suspicious activity. Users think this helps them stay informed, resolve errors fast, and feel more secure about their account activity. Real-Time Monitoring 4.6 (44) 75.00% of 44 reviewers that rated this feature as important or highly important You get immediate updates on account activity, balances, and transactions with Chime’s real-time monitoring. Some users say this capability provides peace of mind, helps prevent unauthorized charges, and ensures they always know their financial status. Authentication 4.6 (48) 77.08% of 48 reviewers that rated this feature as important or highly important Verify the identity of users/devices to enable secure access Chime 24 features Accept electronic bank-to-bank transfers using a network called the Automated Clearing House (ACH) System alerts about the need to escalate an issue or request Verify the identity of users/devices to enable secure access Complete outstanding payments Process of managing an organization's cash resources, including cash on hand, investments, and bank account balances Communicate using direct chat or messages within the system Track and manage adherence to policies for any service, product, process, or supplier Financial system that helps create and manage physical/digital credit cards and track transaction activities Accept and process credit card transactions Wallet that digitally stores credit/debit cards or other items like tickets, loyalty cards, and coupons Transfer money electronically between two bank accounts Chime helps you send, receive, and schedule electronic payments quickly and easily. Reviewers appreciate the fast processing, recurring payment options, and early direct deposit, though a few mention occasional glitches or delays with notifications. With Chime’s mobile access, you can manage your account, view balances, and complete transactions from anywhere. Reviewers appreciate the convenience, strong security measures like fingerprint login, and real-time alerts, making banking easy and accessible on the go. Notifications via mobile devices Manage and handle various international currencies Ability to manage transactions online with a mobile device or computer. You get immediate updates on account activity, balances, and transactions with Chime’s real-time monitoring. Some users say this capability provides peace of mind, helps prevent unauthorized charges, and ensures they always know their financial status. Division of banks that focus specifically on retail customers. Securely stores data to prevent data loss or breaches At least a username and password is required to access the system Set up connections to third-party platforms to improve business processes It gives you a clear, up-to-date view of all your transactions, including pending and posted items. Reviewers appreciate the detailed records, easy access from mobile or desktop, and the ability to track spending and income efficiently. Chime offers detailed transaction monitoring, letting you track spending, receive instant alerts, and quickly spot suspicious activity. Users think this helps them stay informed, resolve errors fast, and feel more secure about their account activity. Extra layer of security that requires not only a password and username but also something specific to that user Features 4.6 (104) 4.6 Based on 104 reviews ## Pricing Value for money 4.6 (91) ### Starting price Contact vendor for pricing Free trial not available Value for money 4.6 (91) 4.6 Based on 91 reviews ## Support, customer service and training options Customer Service 4.3 (91) Support - Email/Help Desk - FAQs/Forum - Knowledge Base - Phone Support - 24/7 (Live rep) - Chat Training - In Person - Live Online - Webinars - Documentation - Videos Deployment - Web - Android - iPhone/iPad Typical users - Freelancers - Small businesses - Mid size businesses - Enterprises Customer Service 4.3 (91) 4.3 Based on 91 reviews ## User reviews Overall rating 4.6 Based on 104 reviews Filter by rating 5(80) 4(13) 3(6) 2(1) 1(4) Mentioned topic Sorted by most recent Josh L. Self employed Retail ### "To hell with chime." 1.0 Overall Rating 1.0 1.0 Ease of Use 1.0 1.0 Features 1.0 1.0 Customer Service 1.0 1.0 Likelihood to Recommend 0/10 April 27, 2026 Hated very second. The hung up on when I called customer service after they took my money and changed my mypay rate without a single notice but have no problem letting me know when they’ve raised it. They lie, do not use. Pros Nothing they’re the absolute worst. They won’t tell you when they’re changing your rate and take your money. Cons Everything. They steal money from military veterans and charge fees when they claim they don’t. They have little to no free atms. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. OP Oleg P. financial analyst Banking ### "great online bank, no charges at all for regular accounts" 4.0 Overall Rating 4.0 4.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 4.0 4.0 Likelihood to Recommend 10/10 April 10, 2026 Many banks offer free accounts, but you have to do something to kre it free, usually either direct deposit, or deposit every month. Chime is always free. You can also get a sign-up bonus for opening a new account. Pros no minimum, no mandatory transactions. Use it or not use it, your account is free. Early payday. If your payday is on Friday, it becomes Wednesday. Many ATMs in their network at no charge Cons its online only bank, therefore \*No physical banks, so you can't have your favorite banker, who will explain everything. (so limited customer support) \*You cannot get physical bank services like bank check \*I do not believe there are joint accounts, and definitely no custodian account. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. FC Fernell C. Stocker Supermarkets ### "Great bank to use!!!!" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 4.0 4.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 January 17, 2026 I really do love it because it has no overdraft fee what so ever because not all the time I have money to pay for it Pros I really do love chime because this is the only bank that i put my check for my pay check for work.. Cons To be honest I really do like chime it has no cons to it in my opinion because i haven’t had any problems with it so far Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. DC Destiny C. Owner Arts and Crafts ### "It's Chime Time" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 October 24, 2025 Overall, my experience with chime has always been flawless fro. My 1st time using & every time I've used it since! 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 digital banking solution! Pros My favorite things about Chime are the user interface & the ability to move money from account to account with total ease. Being able to have a checking account & a savings account both in 1 application makes it easy to keep track my transactions & to be able to put money back in case there are times when a few extra bucks could really come in handy! I also really enjoy being able to send other people money & requesting it, as well. Cons Honestly, there aren't a whole lot of things about chime that i didn't like! I enjoy the applications overall usefulness & convenience! Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. JP Jessica P. Administrative Assistant Hospital & Health Care ### "Chime is how you should be banking!" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 4.0 4.0 Customer Service 3.0 3.0 Likelihood to Recommend 9/10 September 5, 2025 My overall experience with chime has been great. I’ve been able to send money, save money and make money all in one app. Pros I love that Chime has the SpotMe feature. Where it allows me to go over a purchase of five dollars and chime will make sure the money is there and when you get the money you pay it back it’s pretty amazing charm. Also has a feature where you can send your friends $5 boots every month just for being there, which always makes for a good day. Cons I can’t think of many things that I don’t like about chime. It has everything you need in a bank account and more. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. AR Ajshanique R. Eligibility Screening Rep Hospital & Health Care ### "My Chime Experience " 4.0 Overall Rating 4.0 4.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 8/10 July 20, 2025 Overall, my experience with Chime was great. I received my Chime card not too long after creating my account. Pros I like chime because at the time i didn’t have an open account at a local bank. I could use it for sending and receiving money. Cons I dont have anything bad to say about Chime. I was able to set up the account with ease and was able to receive money. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. BP BRITTANY P. Owner Retail ### "LOVE CHIME!!! " 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 July 2, 2025 I have nothing but good praises to chime my favorite banking app. They help with ally financial needs Pros I like the most is they spot you even if you don't have direct deposit, it's only $5 but it helps when you really need it. Cons Honestly I can't think of anything they do that's bad or I dislike. Maybe the fact that you have a$25 limit to transfer some times. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. NF Nathaniel F. Owner Construction ### "Great mobile experience!" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 June 13, 2025 Pros Chime made it simple to open an account online with minimal verifications. All i needed was my email, phone number, date of birth, and social security number to open an account online. Cons I have no complaints about chime. I love their online banking experience. I can easily mobile deposite any checks into my account and pay my bills online. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. MR Miranda R. Medium Alternative Medicine ### "Always reliable! " 4.0 Overall Rating 4.0 4.0 Ease of Use 4.0 4.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 9/10 June 2, 2025 My overall experience with Chime has been one of ease. They have a great mobile platform, and customer service! Pros That they have a great online banking system. I can see and exchange with my contacts directly from my phone, email or name. Cons That the other company I bank with takes a long verificatiom for transfers. This has delayed my income. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. RG Renee G. Owner Hospitality ### "Simple Banking, but Not Perfect" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 4.0 4.0 Likelihood to Recommend 10/10 May 14, 2025 Overall, Chime works well if you want simple banking with fewer fees, especially if you do everything online. But if you need more traditional banking features or fast help with account problems, it might not be the best fit. Pros Chime is a good option if you're looking for a basic, no-fee online bank. Signing up is easy, and I liked that there are no monthly fees, no overdraft fees (if you qualify), and you can get your paycheck a couple of days early with direct deposit. The mobile app is user-friendly and makes it easy to check balances, transfer money, or get alerts. Cons However, there are a few downsides. Since Chime is completely online, there are no physical branches, which can be frustrating if you need in-person help. Customer service is okay, but sometimes it takes a while to get issues resolved. Also, depositing cash can be inconvenient, since you have to go to a third-party store that may charge a fee. Switched from [Venmo](https://www.capterra.com/p/222572/Venmo-/) Chime offers a credit building card and I'm trying to build my credit back up Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. [View all Reviews](https://www.capterra.com/p/228456/Chime/reviews/) ## Top-rated software of 2026 ### Fill out the form and we'll send a list of the top-rated software based on real user reviews directly to your inbox. Popular comparisons [Google Pay vs Chime](https://www.capterra.com/compare/212826-228456/Google-Pay-vs-Chime)[Cash App vs Chime](https://www.capterra.com/compare/228456-246167/Chime-vs-Cash-App)[Samsung Pay vs Chime](https://www.capterra.com/compare/213917-228456/Samsung-Pay-vs-Chime) [Qonto vs Chime](https://www.capterra.com/compare/173384-228456/Qonto-vs-Chime)[Plaid vs Chime](https://www.capterra.com/compare/174384-228456/Plaid-vs-Chime)  Independent research methodology Capterra's researchers use a mix of verified reviews, independent research and objective methodologies to bring you selection and ranking information you can trust. While we may earn a referral fee when you visit a provider through our links or speak to an advisor, this has no influence on our research or methodology. [Learn more](https://www.capterra.com/resources/proprietary-data-research/) How Capterra verifies reviews Capterra carefully verified over 2.5 million+ reviews to bring you authentic software experiences from real users. Our human moderators verify that reviewers are real people and that reviews are authentic. They use leading tech to analyze text quality and to detect plagiarism and generative AI. [Learn more](https://www.capterra.com/resources/how-we-verify-reviews/) How Capterra ensures transparency Capterra lists all providers across its website—not just those that pay us—so that users can make informed purchase decisions. Capterra is free for users. Software providers pay us for sponsored profiles to receive web traffic and sales opportunities. Sponsored profiles include a link-out icon that takes users to the provider's website. [Learn more](https://www.capterra.com/resources/how-we-ensure-transparency/)