--- title: "Chime Software Pricing, Alternatives & More 2026 | Capterra" description: "With the help of Capterra, learn about Chime Software - reviews, pricing plans, popular comparisons to other Mobile Banking products and more." source_url: "https://www.capterra.com/p/228456/Chime/" page_type: "product" language: "en" --- # Chime Software Review 2026: Features, Integrations, Pros & Cons Last updated on August 20, 2026 Provider data verified by our Software Research team, and reviews moderated by our Reviews Verification team. [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 Free version not included 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://www.g2.com/products/the-bancorp-bank-chime/claim_requests/new?auto=true) ## 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. [### Cash App](https://www.capterra.com/p/246167/Cash-App/) [4.2 (710)](https://www.capterra.com/p/246167/Cash-App/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 4.5 (710) Value For Money 4.6 (91) Value For Money 4.3 (552) Customer Service 4.3 (91) Customer Service 3.5 (534) ## Chime alternatives Highest Rated [Google Pay](https://www.capterra.com/p/212826/Google-Pay/) [4.6 (926)](https://www.capterra.com/p/212826/Google-Pay/reviews/) Starting price Contact vendor for pricing Pricing Options Free Trial Free Version User Rating 93% of reviewers rated it above 4 stars [Learn More](https://www.capterra.com/p/212826/Google-Pay/) [Qonto](https://www.capterra.com/p/173384/Qonto/) [4.5 (274)](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/) [Plaid](https://www.capterra.com/p/174384/Plaid/) [4.4 (106)](https://www.capterra.com/p/174384/Plaid/reviews/) Starting price Contact vendor for pricing Pricing Options Free Trial Free Version User Rating 86% of reviewers rated it above 4 stars [Learn More](https://www.capterra.com/p/174384/Plaid/) [View all alternatives](https://www.capterra.com/p/228456/Chime/alternatives/) ## Who uses Chime? Based on Capterra reviews from the past 6 years ## Features AI summary Based on 936 Mobile Banking reviews Capterra data shows that buyers of mobile banking rank the following features as their top priorities: - **Electronic Payments** (**57%** of reviewers rated this feature as critical) - **Mobile Access** (**57%**) - **Transaction Monitoring** (**51%**) Chime supports all three features that reviewers rate most important: **Electronic Payments**, **Mobile Access**, and **Transaction Monitoring**. Together, these capabilities help users send and receive money digitally, manage accounts from anywhere, and keep track of account activity in real time, helping businesses and individuals stay on top of payments, access, and financial oversight. Electronic Payments 4.5 (54) 81.48% of 54 reviewers that rated this feature as important or highly important You can send, receive, and schedule electronic payments quickly and easily. Some users say payments process instantly, are convenient for bills and transfers, and often arrive early, though a few mention occasional glitches or delays with notifications. Mobile Access 4.9 (50) 80.00% of 50 reviewers that rated this feature as important or highly important With mobile access, you can manage your account from anywhere, check balances, and receive alerts on your phone. Reviewers appreciate the convenience, security, and ease of use, especially the quick login options and the ability to handle all banking tasks on the go. 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. Some reviewers find the notifications and real-time updates helpful for budgeting, security, and resolving errors or unauthorized charges promptly. Online Banking 4.7 (24) 91.67% of 24 reviewers that rated this feature as important or highly important Ability to manage transactions online with a mobile device or computer. Authentication 4.6 (49) 77.55% of 49 reviewers that rated this feature as important or highly important Verify the identity of users/devices to enable secure access 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 record of all transactions, making it easy to review spending and income. Users think the detailed, accessible transaction history helps them track finances, manage budgets, and spot errors, though a few mention it can be tricky to locate at first. Chime 25 features ### All Features - ACH Payment Processing: Accept electronic bank-to-bank transfers using a network called the Automated Clearing House (ACH) - Alerts/Escalation: System alerts about the need to escalate an issue or request - Authentication: Verify the identity of users/devices to enable secure access - Bill Payment: Complete outstanding payments - Cash Management: Process of managing an organization's cash resources, including cash on hand, investments, and bank account balances - Chat/Messaging: Communicate using direct chat or messages within the system - Compliance Management: Track and manage adherence to policies for any service, product, process, or supplier - Credit Card Management: Financial system that helps create and manage physical/digital credit cards and track transaction activities - Credit Card Processing: Accept and process credit card transactions - Digital Wallet: Wallet that digitally stores credit/debit cards or other items like tickets, loyalty cards, and coupons - Electronic Funds Transfer: Transfer money electronically between two bank accounts - Electronic Payments: You can send, receive, and schedule electronic payments quickly and easily. Some users say payments process instantly, are convenient for bills and transfers, and often arrive early, though a few mention occasional glitches or delays with notifications. - Mobile Access: With mobile access, you can manage your account from anywhere, check balances, and receive alerts on your phone. Reviewers appreciate the convenience, security, and ease of use, especially the quick login options and the ability to handle all banking tasks on the go. - Mobile Alerts: Notifications via mobile devices - Multi-Currency: Manage and handle various international currencies - Multi-Location: Manage and support multiple locations - Online Banking: Ability to manage transactions online with a mobile device or computer. - Real-Time Monitoring: With this capability, you can see account activity instantly and receive immediate notifications for every transaction. Reviewers indicate real-time monitoring helps them feel secure, stay updated on balances, and prevent unauthorized charges without delays. - Retail Banking: Division of banks that focus specifically on retail customers. - Secure Data Storage: Securely stores data to prevent data loss or breaches - Secure Login: At least a username and password is required to access the system - Third-Party Integrations: Set up connections to third-party platforms to improve business processes - Transaction History: It gives you a clear, up-to-date record of all transactions, making it easy to review spending and income. Users think the detailed, accessible transaction history helps them track finances, manage budgets, and spot errors, though a few mention it can be tricky to locate at first. - Transaction Monitoring: Chime offers detailed transaction monitoring, letting you track spending, receive instant alerts, and quickly spot suspicious activity. Some reviewers find the notifications and real-time updates helpful for budgeting, security, and resolving errors or unauthorized charges promptly. - Two-Factor Authentication: 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) 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(79) 4(14) 3(6) 2(1) 1(4) Mentioned topic Sorted by most recent JM Jazzmen M. Home health aid Hospital & Health Care ### "Credit fantastic" 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 10/10 June 28, 2026 Pros I love that chime can boost your credit just from deposits and spending money on house hold items and bills. Cons I least like that if you owe any money after borrowing it they will snatch any money and also it will shut down the 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. 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. [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. 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