Chime®

What reviewers actually said

Built only from these 120 real reviews (foreign ones translated). Superscripts jump to the quote here. Apple has no per-review links, so [ref] opens that app's reviews on the App Store.

1. [R3] 5/5 · US Rating: Excellent app for banking great way to make interest on your savings!! Also two day early deposit is AMAZING!!! Another thing the credit builder card is helpful for people like me who ruined their own credit. You have the chance to build it back up! Very reliable best online banking app!!
2. [R22] 5/5 · US Chime: I Love banking with Chime. I love the “spot me” feature because sometimes I need a bit extra when unexpected costs hit, like car trouble. Getting paid two days earlier… important! Chime has also helped me improve my credit over 40 pts so far!
3. [R56] 5/5 · US My #1 choice for banking.: Greetings everyone. I have been with Chime for 7 years, I believe. I have always used direct deposit from my employer. I have always received my funds; most times a day or two earlier than my coworkers. Chime has helped me with their spot me feature and the new Chime+ feature where I can borrow money directly from Chime with no fees to pay it back. Chime has done everyt
4. [R62] 5/5 · US What a help: The extra money you get on your payday check ahead of time has been such a saving grace for me for somebody who lives paycheck to paycheck. Thank you, Chime
5. [R15] 5/5 · US The only way to Bank!: I just used their card for everyday purchases: gas, bills, groceries, etc. and after less than a year, my credit score has climbed 100 points! Fee free?! How can you beat it? And now, I get 2% cash back on a category I choose monthly! They just keep raising the bar!
6. [R17] 4/5 · US Helpful: I’ve had chime for a few years now. Since I got on the credit builder program I have seen a big improvement. It has helped me get by. I have had no issues other than not being able to talk to a live person when you have a problem. I have a local bank for check cashing purposes because that’s the one thing I had issues with when I first joined chime so I eliminated the problem. But most of
7. [R5] 5/5 · US Chime is so easy to use!: If you need to put money on your chime card, you just go to Walgreens and visit someone at a register and they will assist you!
8. [R91] 3/5 · US Features I’d like to see: I’ve had a good overall experience using the Chime app. It’s easy to navigate, deposits post quickly, and I like the simplicity of managing my money in one place. That said, there are a few improvements I’d love to see. I would like my running balance shown next to every transaction so I can easily track spending at a glance. It would also be helpful to see exactly which
9. [R38] 5/5 · US Best Banking App: The banking features and ease of use of the app, make this my top banking app of 4 major banking apps. The ease of use / the “user friendly” layout make this app my favorite by far. The savings % rate is also very good.
10. [R66] 5/5 · US Very convenient: Easy to use. Very helpful.
11. [R53] 5/5 · US Awesome: Very easy to transfer money between cards like PayPal cash app and venmo. Plus if you get direct deposit they let you over draft $50 fot no charge very easy to use.
12. [R61] 5/5 · US Chime: Chime saved my day and life multiple times with its spot me feature. I highly recommend download and using it.
13. [R84] 5/5 · US Bank of Choice: Come gives me options when it comes to my money and how I manage it. The cash back rewards is a plus.
14. [R86] 5/5 · US A happy Chime customer: I have been with Chime since 2018 and I love it there customer service is amazing and now you even earn cash back
15. [R7] 1/5 · US Scam: So I was scammed out of money I called chime to help and they said there was nothing they could do and that I needed to contact my bank so I called my bank they decided to side with chime and gave chime back the money but yet chime still has my account as negative for the amount that my bank gave back to chime and then chime said even though they got their money back they still expect me to
16. [R8] 2/5 · US #Avoid: Once upon a time…a charming banking app was created. People joined it enthusiastically. Scammers smirked as they realized the company had created an unsecured realm for them to steal people’s money. The company’s AI bot and overseas customer service watched an otherwise tranquil world turn into a dark land full of shady, predatory scammers. They tried to convince the people to stay. But
17. [R14] 1/5 · US Awful: Terrible customer service. Prepare to repeat yourself constantly.
18. [R1] 1/5 · US Trash: Stick to a real bank. Chime does not help you when people take your money
19. [R2] 1/5 · US Scam: If I can give chime a zero I would … chime been taking money out my account secretly! They were about to take 186 dollars out of my account from “SAMS club” mind you I do not have a SAMS club card! Then they been taking 10 dollars a week from a game I do not even play. I’ve been with chime for 2 years and I have never had this problem until now chime get yall stuff together!!!
20. [R10] 1/5 · US They lied: I was pose to get 200 with a direct deposit n did not for first time user
21. [R13] 1/5 · US Referral bonus never received: Deposited over $1200 but never received my referral bonus. Feels like scam
22. [R25] 5/5 · US BAD REFERRAL POLICYLP: I referred 3 friends. All three joined. I only got 1 bonus! They make money off my friends and I got nothing. Also, my pay is a scam! They hold $326 of my money hostage every month a trickle it back $26 dollars a day forcing me to pay $2 a day to use my money! When I get back to the states I will cancel my chime and I will ask all my friends to leave chime with me. Instead o
23. [R76] 1/5 · US They never did this: I did chime under this ad once an they never ever did along with if you invite a friend or a friend invites you you both get 50bucks that also never happened
24. [R51] 1/5 · US I would love it, but…….: It would be a great app. But for some reason Chime in their infinite wisdom has decided that I no longer need to be able to deposit checks. I apparently did something to cause this. But no one can tell me what that is and no one can seem to fix the issue. So to you Mr. Chime, pound sand. I’ll continue to use Varo Bank instead.
25. [R111] 1/5 · US They hold your money: Mobile deposit is a joke. I deposited a check this way bc I had started a new job and direct deposit hadn’t set in yet…. They held my check for so long that I got paid with direct deposit (next paycheck) before this mobile deposit even hit my account. Flash forward…. Early pay…. I always get paid the day after my company processing date. Processing date this month was July 1s
26. [R24] 1/5 · US App issues: My Face ID will no longer work and I constantly have to logout and re login for the app to work at all. Plz fix this issue.
27. [R30] 1/5 · US Worst banking experience ever: This is the worst app for finances ever created. From the moment you download and setup the app, it’s one issue after another. First it’s issues with adding a debit card, then it’s “you have to activate your chime card in order to use literally anything to do with the app itself”, and even then it won’t let you activate your chime card. I’m never using this app ever
28. [R45] 4/5 · US Five stars but: I give this app five stars. It's absolutely brilliant. It's great to manage money, it's great all around except for one thing. The reporting interface. I've tried to download my credit Builder monthly statements for months, and can never download them. They always fail. That is the only problem with this app. Outside of that, this app has five stars. I hope you fix your statement s
29. [R146] 1/5 · US Review: Have tried to reset my password numerous times after switching my phone. Keep getting error message to try again later. Fix this issue and I will change the review.
30. [R34] 1/5 · US Transactions: It’s not great when you’ve cancelled the card and replaced the card and still have transactions going through on the account by the card?!
31. [R37] 1/5 · US Got hacked: Got hacked the first day I had it and they wouldn’t even disput the charges worst app ever go ahead and get it if you wanna get hacked
32. [R164] 1/5 · US Security issues: Terrible security and tons of data breaches/hackers
33. [R39] 3/5 · US Decent banking app: Pretty good but not the best. It’ll get the job done for most of us although there are some concerning aspects of this app which should be addressed. For example, this new chime card thing takes both your previous cards and combines them into 1. So then, if you had previous billing arrangements set up with the original credit builder card - it has to be setup again otherwise
34. [R58] 1/5 · US Ruins your credit: My credit dropped 60 points I have never had an outstanding balance with them. Used it for small purchases here and there. Customer service is terrible they agree with everything you’re saying and then can’t fix anything.
35. [R40] 2/5 · US Not on time with early direct deposites been waiting all day for mine that was post to hit this morn: 😡
36. [R43] 4/5 · US 🤷‍♂️: Chime sucks‼️take forever for deposits to hit an half of them you don’t receive..customer service sucks…hundreds of dollars lost‼️
37. [R158] 2/5 · US not that great: To be honest it’s nice when you get paid two days earlier but it only depends on your employer if you ACTUALLY get that benefit. The money takes way to long to get into your account which is very inconvenient when you need gas that morning or whatever the case may be. it shouldn’t take until the middle of the day to drop a check! I’ve had plenty other banks and that has never been