# 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/pricing

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# 

 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.

[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 102 user reviews

Reviews sentiment

Positive

90%

Neutral

6%

Negative

4%

Contact vendor  
for pricing

Free trial  
not available

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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 (102)

VS.

[### Google Pay](https://www.capterra.com/p/212826/Google-Pay/)

[4.6 (908)](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

4.7 (102)

Ease Of Use

4.6 (908)

Value For Money

4.7 (89)

Value For Money

4.6 (648)

Customer Service

4.3 (89)

Customer Service

4.2 (641)

## Chime alternatives

[Cash App](https://www.capterra.com/p/246167/Cash-App/)

[4.2 (679)](https://www.capterra.com/p/246167/Cash-App/reviews/)

Starting price

Contact vendor for pricing

[Learn More](https://www.capterra.com/p/246167/Cash-App/)

[Samsung Pay](https://www.capterra.com/p/213917/Samsung-Pay/)

[4.5 (264)](https://www.capterra.com/p/213917/Samsung-Pay/reviews/)

Starting price

Contact vendor for pricing

[Learn More](https://www.capterra.com/p/213917/Samsung-Pay/)

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

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

Starting price

$9.00

Per User, Per Month

[Learn More](https://www.capterra.com/p/173384/Qonto/)

[Crowded](https://www.capterra.com/p/255296/Crowdedme/)

[4.2 (32)](https://www.capterra.com/p/255296/Crowdedme/#reviews)

Starting price

Contact vendor for pricing

[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

## Features

Features with the highest number of reviews are displayed first. Those that have no reviews appear next, sorted alphabetically.

Electronic Payments

4.6 (52)

80.77% of 52 reviewers that rated this feature as important or highly important

This capability lets you send, receive, and schedule electronic payments quickly, including ACH and international transfers. Some reviewers find payments process instantly, are easy to set up, and mention auto-pay and early direct deposit as valuable aspects.

Mobile Access

4.9 (49)

79.59% of 49 reviewers that rated this feature as important or highly important

With mobile access, you can manage your account, check balances, and complete transactions anywhere. Reviewers appreciate the convenience, security capabilities like fingerprint login, and real-time alerts, noting it makes banking easy without needing a desktop or physical branch.

Transaction History

4.7 (46)

82.61% of 46 reviewers that rated this feature as important or highly important

It gives you detailed transaction history, allowing you to review spending, income, and past activity easily. Reviewers appreciate the clarity, up-to-date records, and accessibility from mobile or desktop, saying it helps them track finances and spot suspicious activity.

Transaction Monitoring

4.7 (45)

75.56% of 45 reviewers that rated this feature as important or highly important

Chime offers robust transaction monitoring, letting you track spending and receive instant notifications for every transaction. Users think this helps them spot errors, dispute unauthorized charges quickly, and stay informed about all account activity for better financial control.

Real-Time Monitoring

4.7 (43)

74.42% of 43 reviewers that rated this feature as important or highly important

You benefit from real-time monitoring, which keeps your account updated instantly and sends immediate alerts for any activity. Some users say this provides peace of mind, helps prevent unauthorized charges, and makes it easier to track balances and transactions.

Authentication

4.7 (46)

76.09% of 46 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

This capability lets you send, receive, and schedule electronic payments quickly, including ACH and international transfers. Some reviewers find payments process instantly, are easy to set up, and mention auto-pay and early direct deposit as valuable aspects.

With mobile access, you can manage your account, check balances, and complete transactions anywhere. Reviewers appreciate the convenience, security capabilities like fingerprint login, and real-time alerts, noting it makes banking easy without needing a desktop or physical branch.

Notifications via mobile devices

Manage and handle various international currencies

Ability to manage transactions online with a mobile device or computer.

You benefit from real-time monitoring, which keeps your account updated instantly and sends immediate alerts for any activity. Some users say this provides peace of mind, helps prevent unauthorized charges, and makes it easier to track balances and transactions.

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 detailed transaction history, allowing you to review spending, income, and past activity easily. Reviewers appreciate the clarity, up-to-date records, and accessibility from mobile or desktop, saying it helps them track finances and spot suspicious activity.

Chime offers robust transaction monitoring, letting you track spending and receive instant notifications for every transaction. Users think this helps them spot errors, dispute unauthorized charges quickly, and stay informed about all account activity for better financial control.

Extra layer of security that requires not only a password and username but also something specific to that user

Features

4.6 (102)

4.6

Based on 102 reviews

## Pricing

Value for money

4.7 (89)

### Starting price

Contact vendor  
for pricing

Free trial  
not available

Value for money

4.7 (89)

4.7

Based on 89 reviews

## Support, customer service and training options

Customer Service

4.3 (89)

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 (89)

4.3

Based on 89 reviews

## User reviews

Overall rating

4.6

Based on 102 reviews

Filter by rating

5(80)

4(12)

3(6)

2(1)

1(3)

Mentioned topic

Sorted by most recent

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.

CT

Christina T.

Creative designer

Design

### "Chime in with Chime "

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 13, 2025

Great. Over all this is a good banking app I am completely satisfied with this app.

Pros

I like that you get your direct deposit earlier than expected and you are able to get a loan.

Cons

Sometimes it is a little bit hard to connect with a customer service agent and don't care for the virtual assistant.

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.

Desiree Estelle S.

Owner and creator

Apparel & Fashion

### "Chime.comisthebest.com"

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

May 7, 2025

My overall experience with chime has been nothing short of blew my socks right off. I enjoy the ease, the money saving features and that I can send and receive money just as I would with PayPal.

Pros

Sounds simple but what I like most about chime is how beautiful the not one but two cards look and feel.

Cons

What I like least is, why didn't I know about this bank years ago 😞. And this is exactly why I've been recommending chime to everyone and their brother 🙂 no joke I have.

Switched from

[Chase App](https://www.capterra.com/p/176211/Chase-App/)

All the benefits chime has over other online banks is what swade me to switch from my old bank to chime. And I'm not looking back.

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/)

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) 

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