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Updated July 2026 · real, multi-region App Store reviews
Head-to-head

Chime® vs Wells Fargo Mobile®

Chime® 4.8★ · Free to download 60
Winner Wells Fargo Mobile®
Wells Fargo Mobile® 4.9★ · Free to download 75

Wells Fargo Mobile® is generally more reliable for core banking functions and dispute resolution, while Chime® offers appealing features like early direct deposit and credit building but struggles with customer support and security concerns.

Full reviews: Chime® · Wells Fargo Mobile®

Wells Fargo Mobile® offers a more stable and secure banking experience, despite some complaints about fees and Zelle limits. Chime® provides attractive benefits such as early pay and credit building, but users frequently report issues with fraud protection and customer service.

Head to head

Features edge: Chime®R2R6R12R19
Chime® Chime® users appreciate features like early direct deposit, which many find 'AMAZING' and 'important' R2. The credit builder card is also a significant draw, helping users improve their credit scores R2R19. Some users also like the 'Spot Me' feature for unexpected costs . However, some find the app has 'too much going on' with information and promos, and too many cards R6. There are also requests for features like a running balance next to transactions and clearer cashback tracking R12.
Wells Fargo Mobile® Wells Fargo Mobile® users frequently praise the Zelle service for its ease of use and reliability in sending money . Many find the app 'simple' and 'easy to use' for managing money . However, some users complain about 'bad Zelle service' or 'ridiculous' Zelle limits . There are also mentions of frequent app updates and issues viewing eBills .
Ease of Use tieR8R11R12R22
Chime® Chime® is often described as 'easy to use' and 'easy to navigate' R8R11R12. Users appreciate the simplicity of managing money in one place R12. However, some report issues with Face ID not working and needing to constantly log out and back in R22. New users can also face setup issues, like activating a card .
Wells Fargo Mobile® Wells Fargo Mobile® is widely praised for being 'simple to use,' 'fast,' and 'user friendly' with 'minimal bugs' . Many users find it easy to manage their money, even when living overseas . Some users, however, find the app has 'much information' and suggest simplifying it . There are also reports of technical issues preventing sign-in .
Reliability edge: Wells Fargo Mobile®R2R4R34R40
Chime® Chime® receives mixed reviews on reliability. While some call it 'very reliable' and 'never fails to impress' R2, many users report serious issues. These include money being taken out secretly R4, accounts being hacked R40, and transactions going through even after cards are cancelled R34. There are also complaints about delayed direct deposits and issues with check deposits .
Wells Fargo Mobile® Wells Fargo Mobile® is generally seen as a 'reliable bank' with 'fast and accurate' transactions . However, some users report significant reliability issues, including the app randomly putting accounts under review , technical issues with Zelle , and ATMs not dispensing money . There are also complaints about negative balances appearing incorrectly .
Price/Value edge: Chime®R2R9R13R18
Chime® Chime® is praised for being 'fee free' R19 and offering benefits like interest on savings R2 and cashback R19. However, users report issues with referral bonuses not being received R18 and promotions not being honored R13. Some also feel that the 'my pay advance' feature can 'mess your account up' with waiting periods and daily fees R9.
Wells Fargo Mobile® Wells Fargo Mobile® users frequently complain about fees. These include 'insane interest rates' on credit cards R64, monthly maintenance fees R73R76, and a lack of cash back despite spending requirements R90. While some appreciate the 'excellent services' , the recurring theme is dissatisfaction with unexpected or high charges.
Support edge: Wells Fargo Mobile®R1R7R10R15
Chime® Chime® customer service is a major point of contention. Many users describe it as 'terrible,' 'rude,' and unhelpful, often transferring calls or hanging up R10R15R16. Users report that Chime does not help when money is stolen or scammed R1R7R10R16, and dispute resolutions are often denied even with proof R16.
Wells Fargo Mobile® Wells Fargo Mobile® receives mixed reviews for support. Some users praise 'good customer service' and 'excellent services' . However, a significant number of users report negative experiences, calling customer service 'atrocious' and the fraud department '0 help' . Users also complain that the bank will not do claims, even with proof, forcing them to contact merchants directly .
Pick Chime® if

You prioritize features like early direct deposit and a credit builder program, and are comfortable with an online-only banking experience R2R19. You are looking for a fee-free banking option R19.

Pick Wells Fargo Mobile® if

You prefer a traditional bank with a generally reliable mobile app for core banking functions like Zelle transfers . You value security measures and a more established financial institution, despite potential fees .

Evidence note: Chime's recent reviews show a strong negative skew regarding security and customer service, contrasting with its high lifetime rating. Many positive reviews for Wells Fargo Mobile are very short and generic, making it harder to extract specific insights compared to Chime's more detailed, albeit often negative, feedback.

Frequently asked

Is Chime® a real bank and is it FDIC insured?
Chime® is not a traditional bank, and some users express concern about it not being a 'real' bank or FDIC insured R46R52. However, Chime's banking services are provided by its partners, The Bancorp Bank or Stride Bank, N.A., which are FDIC members.
How does Chime® handle fraud and scams?
Chime® users frequently report dissatisfaction with how the company handles fraud and scams, stating that customer service often provides no help and disputes are denied even with evidence R1R7R10R16.
Are there fees associated with Wells Fargo Mobile®?
Yes, Wells Fargo Mobile® users report various fees, including 'insane interest rates' on credit cards, monthly maintenance fees, and issues with not receiving expected cash back R64R73R76R90.

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. [R2] Chime® 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. [R6] Chime® 3/5 · US Too much: App has too much going on like information promos n all that its kinda exhausting, n that direct deposit promo, is crazy with all that they ask for, let alone all those cards (4), its like too much, too bad im banned from cash app so im stuck here with 4 cards. Weird but whatever too each their own.
  3. [R12] Chime® 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
  4. [R19] Chime® 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!
  5. [R8] Chime® 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!
  6. [R11] Chime® 5/5 · US Best bank: Love how they help you out no matter what. Best bank to go with seriously, makes life soo much more easier.
  7. [R22] Chime® 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.
  8. [R4] Chime® 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!!!
  9. [R34] Chime® 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?!
  10. [R40] Chime® 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
  11. [R9] Chime® 3/5 · US A good online banking service: We’ve had chime for close to ten years, and overall it has been ok. They have great perks and rewards. A few issues. One is the my pay advance. If you borrow from it and pay it back immediately with your direct deposit, you should not have to wait a week to take the same amount back or 58 a day. It can really mess your account up, so be aware if you use it. Also if y
  12. [R13] Chime® 1/5 · US They lied: I was pose to get 200 with a direct deposit n did not for first time user
  13. [R18] Chime® 1/5 · US Referral bonus never received: Deposited over $1200 but never received my referral bonus. Feels like scam
  14. [R1] Chime® 1/5 · US Trash: Stick to a real bank. Chime does not help you when people take your money
  15. [R7] Chime® 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. [R10] Chime® 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. [R15] Chime® 3/5 · US Customer Service: There’s no way to contact anyone at chime unless you Google the customer service number
  18. [R46] Chime® 1/5 · US Not a “real” bank: I recently opened the Chime account because my boyfriend said it would be beneficial for us because they have a support, like spot me. But other than the spot me, I can’t find one benefit to using Chime. And the month of May I attempted to utilize my chime account to pay my rent and my phone bill. I had my paycheck deposited into there instead of our normal USA account and I had
  19. [R52] Chime® 1/5 · US Chime is not a bank.: Chime isn’t a bank, be careful. It’s not FDIC insured because CHIME isn’t a bank.
  20. [R16] Chime® 1/5 · US They suck: They let people scam you. For instance I had this merchant say I didn’t pay for this service but I did I went to the merchant to get it refunded they said they dont do that only the bank that you used so from there chime made me put a dispute in it got denied the first time so I didn’t it again they said they needed proof so I put up proof it’s been months sense then now they are tryin
  21. [R64] Wells Fargo Mobile® 1/5 · US Avoid: They will charge you INSANE interest rates on your credit card. Almost better to get a payday loan. Ridiculous way to screw your customers.
  22. [R73] Wells Fargo Mobile® 1/5 · US Mala: Me cobran 15 dólares por mes en Wells Fargo y ya pregunté en otros bancos y no me cobran nada
  23. [R76] Wells Fargo Mobile® 1/5 · US Terrible experience: I won’t be using this account again. The banker never informed me about the account maintenance fee when I close the account at the branch. If I had known about the fee, I would have made a different decision.
  24. [R90] Wells Fargo Mobile® 1/5 · US Credit Card issues: I am very dissatisfied with the wells fargo account I have not received my cash back even after spending more than $500.

Synthesized from 120 recent App Store reviews · updated July 2026 · View on the App Store