Chime is one of America's largest neobanks, offering fee-free banking with early paycheck access, automatic savings, and a credit-builder card.
Chime maintains exceptionally strong customer backing at 4.8/5 across nearly 2.7 million ratings, with sentiment holding steady week-over-week. The NeoBase index stands at 86.6/100 (-0.2), reflecting stable brand perception despite media focus on exploratory stablecoin features - a neutral-toned development that hasn't shifted customer or analyst sentiment measurably. No divergence between customer enthusiasm and media coverage is evident.
Sentiment index
our score · updated every monthRatings across platforms
★ 4.8 · 2.7M · 3Where Chime operates
1 marketsRating distribution
All platformsRating & review volume over time
Brand sentiment trend
positive sentiment, by platformWhere Chime's money came from and went
FY2025Show the figures as a table
| Line item | Direction | Amount |
|---|---|---|
| Revenue | Income and profit kept | $2,187m |
| Net non-operating income | Income and profit kept | $30.9m |
| Net loss (funded) | Income and profit kept | $1,010m |
| Total inflows | $3,228m | |
| Cost of revenue | Costs and tax | $263.0m |
| Transaction and risk losses | Costs and tax | $407.3m |
| Member support and operations | Costs and tax | $458.0m |
| Sales and marketing | Costs and tax | $635.4m |
| Technology and development | Costs and tax | $934.9m |
| General and administrative | Costs and tax | $512.1m |
| Depreciation and amortisation | Costs and tax | $16.0m |
| Tax | Costs and tax | $0.8m |
Source: Form 10-K (SEC) · figures in millions, rounded · Compare with other fintechs
App screenshots
App Store
In the media
brand coverageChime considering adding stablecoin features to app
www.finextra.com · 4w ago
Consumer banking fintech firm Chime Financial is reportedly considering adding stablecoins as a feature in its app.
Fintech Chime explores stablecoins as new feature on its app - Bloomberg News
www.tradingview.com · 4w ago
Source link: https://tinyurl.com/43yxzuv2-- Note: Reuters has not verified this story and does not vouch for its accuracy.
Chime explores stablecoin wallets for consumer banking app
cryptobriefing.com · 4w ago
The fintech sought proposals for end-to-end wallet infrastructure as stablecoins move further into everyday payments.
Chime Weighs Adding Stablecoin Wallet to Consumer Banking App
www.pymnts.com · 4w ago
Chime asked blockchain technology companies to submit proposals to provide their stablecoin wallet services.
Fintech Chime Explores Stablecoins as New Feature on Its App
www.bloomberg.com · 4w ago
Chime Financial Inc. is exploring how to bring stablecoins into its consumer banking platform, in the latest sign that the new form of money...
Latest from social
LinkedIn & FacebookWhat people are saying
mentions on X, Reddit & FacebookWays to go about receiving a credit for unauthorized transfers after chime "investigation" of 24 hrs
What’s day is chime paying Ssdi this month since the 29th is on a Sunday 🤷🏾♂️🤷🏾♂️🙏🏾😳💸
About Chime
Chime was founded in 2012 and has grown to over 21 million customers, making it the largest neobank in the US. It offers early direct deposit access up to 2 days early, automatic savings round-ups, and a secured credit card to help users build credit history with no annual fee.
Frequently asked questions
Is Chime a real bank?
Chime is a fintech company — not a bank itself. Banking services are provided through partner banks: The Bancorp Bank and Stride Bank, both FDIC-insured. Deposits are insured by the FDIC up to $250,000 through these partner banks.
What fees does Chime charge?
Chime charges no monthly fees, no ACH transfer fees and no minimum balance fees. SpotMe overdraft protection up to $200 is also fee-free. Chime earns revenue from interchange fees on card transactions — the no-fee model is its primary differentiator in the US market.
What is Chime SpotMe and how does it work?
SpotMe allows you to overdraft your account by up to $200 with no fee. It becomes available once you meet the eligibility criteria (regular direct deposits of at least $200/month). The overdraft is automatically repaid from your next incoming deposit.
How quickly do direct deposit funds appear with Chime?
Chime's Early Direct Deposit feature makes your paycheck available up to 2 days before the official pay date. If your employer sends an ACH transfer on Wednesday, Chime may show the funds as early as Monday. This is a key reason for Chime's popularity among hourly workers.
Is Chime available outside the US?
No. Chime is exclusively available in the United States and requires a US Social Security Number (SSN) or ITIN and a US address. Chime does not support international transfers.
Compare Chime with similar neobanks
Ratings & sentiment aggregated from Trustpilot, Google Play and App Store - anonymised store metrics only, no individual reviews.
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