Budgeting comparison
Albert vs Chime
Updated
Data as of
Albert checked Chime checked
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Albert
Budgeting app
Visit site for Albert (opens in a new tab)
Chime
Banking app
Visit site for Chime (opens in a new tab)
Short answer
- Pick Chime if you want the higher top rate (up to 4.00% APY, compared with 3.50% APY) or a web version.
- The biggest difference is what they are: Albert is a budgeting app, and Chime is a banking app.
Full disclosure: Taylor Price, who runs Priceless Tay, owns Fifecta, so keep that in mind as you read this comparison.
Albert vs Chime at a glance
- Albert
- Top rate
- 3.50%APY
- Rating
- 4.7 of 5App Store, 343,539 ratings
- Platforms
- 2iOS, Android
- Chime
- Top rate
- 1.00% to 4.00%APY
- Rating
- 4.8 of 5App Store, 1,655,300 ratings
- Platforms
- 3Web, iOS, Android
What it costs
- Albert
$19.99a month
Albert's Standard plan costs $19.99 a month, and Genius and Family plans cost $39.99 a month. A Family plan covers the owner and up to 4 family members.
- Chime
Chime says its savings account has no fees, and you need an active Chime Checking Account to open one.
Source
help.chime.com/what-is-the-chime-savings-account-f189355c, checked .
Bars show only when every app here lists a yearly price, so these prices sit side by side without them. Prices are list prices from each app's own page, before tax and any offer.
Features
| Feature | Albert | Chime |
|---|---|---|
| AI features | Yes | Yes |
| Savings goals | Yes | Yes |
Albert also lists shared budgets, investment tracking and data export.
Sources for these features
Yes means the official site lists it. No means the official site says the app doesn't have it.
- Albert: albert.com/about/genius, checked Oct 29, 2026.Savings goals: Savings vaults: 'Save towards multiple goals automatically.' albert.com/about/saving, checked Oct 29, 2026.Shared budgets: Family plan: 'access to all the features of a Genius plan as well as a shared budget so you can track your joint spending and manage your finances together.' help.albert.com/hc/en-us/articles/27831335660183-What-is-an-Albert-Family-plan, checked Nov 12, 2026.Investment tracking: 'Albert pulls all of your investment accounts into a single dashboard.' albert.com/about/investing, checked Oct 29, 2026.Data export: 'Import and export data: Sync your accounts automatically, or upload and export your data manually.' Format not stated. albert.com/about/financial-dashboard, checked Oct 29, 2026.
- Chime: help.chime.com/what-are-chime-savings-goals-4aef8222, checked Oct 29, 2026.AI features: 'Jade Financial Partner is an AI-powered experience currently available to some members and can make mistakes.' Rolling out, not available to everyone. help.chime.com/manage-money-56350c4d/jade-financial-partner-09a6e8e3/what-is-jade-financial-partner-d9c77341, checked Oct 29, 2026.
Albert and Chime, side by side
| Detail | Albert | Chime |
|---|---|---|
| APY or rateDiffers | AlbertAlbert lists 3.50% APY on its high yield savings account, as of Nov 12, 2026. The rate is variable.Albert says there is no minimum balance requirement, but you must have an eligible subscription tier to access High Yield Savings. Sourcealbert.com/about/banking, checked . | ChimeChime lists 1.00% APY for standard members, 3.00% APY for Chime Plus and 4.00% APY for Chime Prime, in rates effective Oct 6, 2026. The rate is variable.Chime says there is no minimum balance, but you need $0.01 in savings to earn interest. The higher rates depend on Chime Plus or Chime Prime status, which ties to qualifying direct deposits. Sourcehelp.chime.com/what-is-annual-percentage-yield-apy-dfafd381, checked . |
| Opening and balance minimumsDiffers | AlbertAlbert says there is no minimum balance requirement for High Yield Savings. Sourcealbert.com/about/banking, checked . | ChimeChime says its savings account has no minimum balance requirement. Sourcehelp.chime.com/what-is-the-chime-savings-account-f189355c, checked . |
| ProtectionDiffers | AlbertAlbert is not a bank. Funds in Albert Cash are held at Stride Bank, N.A. and Savings funds at Wells Fargo, N.A., eligible for up to $250,000 in FDIC insurance on a pass-through basis when specific conditions are met. Sourcealbert.com/about/banking, checked . | ChimeChime is not a bank. Banking services come from The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC, and pass-through deposit insurance applies only when certain conditions are met. Sourcehelp.chime.com/what-is-the-chime-savings-account-f189355c, checked . |
| PlatformsDiffers | AlbertAlbert lists iOS and Android. Sourcealbert.com, checked . | ChimeChime lists Web, iOS and Android. Sourcehelp.chime.com/do-i-get-account-statements-from-chime-ec347b04, checked . |
| App store ratingDiffers | AlbertAlbert has 4.7 out of 5 on the App Store from 343,539 ratings. SourceApp Store listing, checked . | ChimeChime has 4.8 out of 5 on the App Store from 1,655,300 ratings. SourceApp Store listing, checked . |
Store ratings are a dated snapshot from each listing, not our score. A row shows only when both apps have a current official source for it. How we source and date this data. Spotted a change? Tell us if something changed.
Weighing a third option? Add up to two more apps and compare up to four side by side.
Screen by screen
Pick a task to see what each app shows for it. App Store and Google Play images are the apps' own marketing, so they can show sample data and staged layouts. Help center images come from the app's support articles. See every app's screens.
Home
Albert
App Store marketing imageApp Store image with the headline "See your money and stay on top of it" showing a home screen with an Inbox card and an Accounts list.App Store listing, as of 
App Store marketing imageThe home screen: an Inbox with a Large transaction alert, then Accounts with Albert Cash at $1,847.22 and a Third West Bank account at $992.83.App Store listing, as of 
App Store marketing imageA Large transaction card: Alpha Inc. charged you $1,257 on August 20, with a Show details link.App Store listing, as of
Chime
App Store marketing imageApp Store image with the headline "America's #1 Choice for Banking" showing an Available balance with Savings, Cash back, MyPay and Direct Deposit tiles.App Store listing, as of 
App Store marketing imageTiles for Savings at $5,821.45, Cash back at $115.00, MyPay at $275, Direct Deposit in 3 days, FICO Score and Chime Deals.App Store listing, as of
Accounts
Albert
No official screen found yet
Chime
App Store marketing imageAvailable $2,346.91 with a $200 SpotMe link below.App Store listing, as of
Budget
Albert
App Store marketing imageApp Store image with the headline "Track spending, find savings" showing a February spending screen with a line chart.App Store listing, as of 
App Store marketing imageThe Spending tab: $2,380.20 spent in February with a line chart, actual spend, budgeted $3,560 and last 3 months, then Remaining $1,180 with Auto budget and Categories buttons and a Rent row.App Store listing, as of
Chime
No official screen found yet
Goals
Albert
App Store marketing imageAn Automatic deposits card with a ring chart: Savings 70% and Investing 30%.App Store listing, as of
Chime
App Store marketing imageApp Store image with a savings APY headline showing a Savings screen with goals like Wedding and Emergency fund.App Store listing, as of 
App Store marketing imageA Goals list with My savings at $5,017.45, Wedding at $1,094 and Emergency fund at $2,099.App Store listing, as of
Reports and insights
Albert
App Store marketing imageA Spending by category bar chart from Sunday to Friday, with Restaurants and bars, Payments, Shopping, Transportation and Travel in the legend.App Store listing, as of
Chime
App Store marketing imageApp Store image with the headline "Increase your credit score up to 70 pts" showing a credit score gauge at 720.App Store listing, as of 
App Store marketing imageA Chime notification saying Your score went up 70 points!App Store listing, as of 
App Store marketing imageA FICO credit score gauge reading 720 on a 300 to 850 arc, with "What goes into FICO Scores" below.App Store listing, as of
Bills and recurring
Albert
App Store marketing imageApp Store image with the headline "Find subscriptions and lower bills" showing a bills calendar and a Verizon bill of $123.99.App Store listing, as of 
App Store marketing imageA Bills and subscriptions calendar with marked days and Verizon, AT&T and Sirius XM rows, each with a Lower button.App Store listing, as of 
App Store marketing imageA Verizon bill of $123.99 with the next payment expected December 9th and a Lower your bill button.App Store listing, as of
Chime
No official screen found yet
Investments
Albert
App Store marketing imageApp Store image with the headline "Automatically budget, save, and invest" showing an Investing balance chart and an Automatic deposits card.App Store listing, as of 
App Store marketing imageThe Investing screen: $2,642.26 with a line chart and time range buttons, then an Automatic deposits card splitting 70% to Savings and 30% to Investing.App Store listing, as of
Chime
No official screen found yet
Transfer and send
Albert
App Store marketing imageApp Store image with the headline "Move money instantly" showing a Confirm transfer screen for $50.00.App Store listing, as of 
App Store marketing imageConfirm transfer: $50.00 from Third West Bank to Albert Savings, with a Confirm transfer button.App Store listing, as of
Chime
App Store marketing imageMyPay with a green ring showing $275 available now and a Manage MyPay link.App Store listing, as of
Card controls
Albert
No official screen found yet
Chime
App Store marketing imageApp Store image with the headline "Earn 5% cash back with Chime Card." showing a Your cards screen with an Add to Apple Wallet button.App Store listing, as of
Settings and security
Albert
No official screen found yet
Chime
App Store marketing imageApp Store image with the headline "Serious security and real-time alerts" showing a Security Center at 100% and a suspicious activity alert.App Store listing, as of 
App Store marketing imageA Suspicious Activity notification asking Did you just make a purchase of $212.32? Open the app to confirm.App Store listing, as of 
App Store marketing imageSecurity Center with a 100% ring, a High security note and steps for Set up passkey and Email verification.App Store listing, as of
AI assistant
Albert
App Store marketing imageApp Store image with the headline "Your personal financial assistant" showing a Genius chat with a spending chart and an "Ask Genius anything..." box.App Store listing, as of 
App Store marketing imageA Genius chat: the question "What should I know about my money this week?", a reply with earnings, spending and net inflow, a Spending by category bar chart and an "Ask Genius anything..." box.App Store listing, as of
Chime
No official screen found yet
Other screens
Albert
App Store marketing imageApp Store image with the headline "Shop and travel within your budget" showing a Las Vegas map and a weekend itinerary.App Store listing, as of 
App Store marketing imageA Las Vegas weekend itinerary with a map of hotel pins, a Bellagio Hotel & Casino card at $204 a night and a Friday flight from JFK to LAS.App Store listing, as of 
App Store marketing imageApp Store image with the headline "Protect your identity and accounts" showing a Protect tab with a credit score of 742.App Store listing, as of 
App Store marketing imageThe Protect tab: Vantage Score 3.0 of 742 with a line chart, change of 4 points, a Good rating and an Alerts row.App Store listing, as of
Chime
App Store marketing imageApp Store image with the headline "Get up to $500 of your pay when you say" showing a MyPay screen with $275 available.App Store listing, as of 
App Store marketing imageApp Store image with a fee-free ATMs headline showing a map with ATM pins.App Store listing, as of 
App Store marketing imageA Chime notification saying Cha-ching! You just scored 5% cash back on your purchase.App Store listing, as of
Who it's for
Pick the tab that sounds like you. Every answer comes from the app's own pages, and its source opens from the Source link.
Just me
Budgeting on your own? These are the basics people ask about first.
Is it free?
Albert: Albert's Standard plan costs $19.99 a month, and Genius and Family plans cost $39.99 a month. A Family plan covers the owner and up to 4 family members.
Chime: Chime says its savings account has no fees, and you need an active Chime Checking Account to open one.
Source
help.chime.com/what-is-the-chime-savings-account-f189355c, checked .Is there support from the app's makers if I need help?
Albert: Yes. Virtual assistant chat, live agent over text or email and phone (support options and voicemail).
Source
In their words: “You can always ask to transfer to a live support agent to get continued support over text or email. Call us at (844) 891-9309 to listen to support options over the phone or leave a voicemail.” help.albert.com/hc/en-us/articles/360036374534-How-to-contact-Albert, checked .Chime: Yes. Chat and phone.
Source
In their words: “Chat with us in the Chime app” help.chime.com/do-i-get-account-statements-from-chime-ec347b04, checked .
Partners
Sharing money with a partner? Here's how each app handles a second person.
Can my partner use their own login details?
Albert: Yes. Your partner gets their own login.
Source
In their words: “Family plans make it simple to manage and track your finances with a spouse or partner.” help.albert.com/hc/en-us/articles/27831335660183-What-is-an-Albert-Family-plan, checked .Chime: Yes. Your partner gets their own login.
Source
In their words: “To open and keep a joint account, each co-owner must have their own active Chime Checking Account.” help.chime.com/explore-products-ad7f967f/joint-accounts-c2e367e7/what-are-chime-joint-accounts-1e450645, checked .How many people can share one account?
Albert: Up to 5 people, including you.
Source
In their words: “Family plans have 1 owner and can have a maximum 4 additional participating members.” help.albert.com/hc/en-us/articles/27830551832343-How-to-manage-your-Family-plan, checked .Chime: Up to 2 people, including you.
Source
In their words: “A joint account is a checking account owned and shared by two people to manage money together.” help.chime.com/explore-products-ad7f967f/joint-accounts-c2e367e7/what-are-chime-joint-accounts-1e450645, checked .Can we keep shared and individual views?
Albert: Yes. You can keep shared and individual views.
Source
In their words: “You can easily toggle between viewing your shared family budget and just your own.” help.albert.com/hc/en-us/articles/27831335660183-What-is-an-Albert-Family-plan, checked .Chime: Yes. You can keep shared and individual views.
Source
In their words: “To open and keep a joint account, each co-owner must have their own active Chime Checking Account.” help.chime.com/explore-products-ad7f967f/joint-accounts-c2e367e7/what-are-chime-joint-accounts-1e450645, checked .
Family
Bringing in more of the household? Here's what each app says about families and kids. See apps with custodial accounts for kids.
Does it have accounts or features for kids or teens?
Albert: No.
Source
In their words: “You may use the Services only if you: (i) are eighteen (18) years or older” help.albert.com/hc/en-us/articles/16768060313111-Albert-s-Terms-of-Use, checked .Chime: No.
Source
In their words: “You must be at least 18 years old.” help.chime.com/how-do-i-open-a-chime-account-bafa327e, checked .How many people can share one account?
Albert: Up to 5 people, including you.
Source
In their words: “Family plans have 1 owner and can have a maximum 4 additional participating members.” help.albert.com/hc/en-us/articles/27830551832343-How-to-manage-your-Family-plan, checked .Chime: Up to 2 people, including you.
Source
In their words: “A joint account is a checking account owned and shared by two people to manage money together.” help.chime.com/explore-products-ad7f967f/joint-accounts-c2e367e7/what-are-chime-joint-accounts-1e450645, checked .
Freelancer
Paid on an uneven schedule or running a side hustle? Here's what each app offers. See apps with a SEP IRA or Solo 401(k).
Can I mix business and personal expenses in this app?
Albert: No.
Source
In their words: “The Account is not designed for business use, and we reserve the right to close the Account if we determine it is being used for business purposes.” help.albert.com/hc/en-us/articles/32005754647063-Deposit-Account-Agreement, checked .Chime: No.
Source
In their words: “We don't currently support business accounts.” help.chime.com/account-security-00b00e5a/account-info-9fa82bb4/does-chime-offer-joint-accounts-or-business-accounts-1595d11d, checked .
Business
Running a small business? Here's what each app says about business money.
Can I mix business and personal expenses in this app?
Albert: No.
Source
In their words: “The Account is not designed for business use, and we reserve the right to close the Account if we determine it is being used for business purposes.” help.albert.com/hc/en-us/articles/32005754647063-Deposit-Account-Agreement, checked .Chime: No.
Source
In their words: “We don't currently support business accounts.” help.chime.com/account-security-00b00e5a/account-info-9fa82bb4/does-chime-offer-joint-accounts-or-business-accounts-1595d11d, checked .
A question shows only when every app here has a current official source that answers it. We only say no when the app's own page does.
Which fits your Money Type?
There are four Money Types: Strategist, Spender, Saver and Scrambler. Each card matches one type to what the sources say about these two apps.
StrategistAlbert lists investment tracking. That fits a Strategist, who wants to watch the whole plan grow.
First fix: Save the Raise.
SpenderBoth Albert and Chime list goals. A goal gives a Spender a reason to pause before buying, which is the Sleep on It fix.
First fix: Sleep on It.
SaverBoth Albert and Chime list an APY on deposits. That fits a Saver, whose first fix is putting saved money to work.
First fix: Put It to Work.
ScramblerAlbert lists bank syncing. Seeing every account in one place helps a Scrambler pay bills first.
First fix: Bills First.
Not sure which one you are? Take the free Money Types quiz. It takes about two minutes.
Full disclosure: Taylor Price, who runs Priceless Tay, owns Fifecta, so keep that in mind as you read this comparison.
Another option: Fifecta
If neither Albert nor Chime feels right, here is one more option to look at. Fifecta gives every paycheck a plan with FUNDS, and it starts from your Money Type, so the plan matches how you already handle money.
What real users say
These are other people's opinions, not Priceless Tay's. We quote public reviews and posts word for word, link each one and show its date, but we haven't checked the claims in them. A post counts toward a theme when it uses one of that theme's keywords, so a mention can be praise or a complaint.
What Chime users say
Based on 500 App Store reviews, 7 Reddit posts, 1 YouTube video and 2 Hacker News posts dated May 2026 to Oct 2026, read Oct 2026. We collected the Reddit and YouTube data with Apify, a scraping service, on Oct 24, 2026.
- Of the 510 reviews, posts and videos we read, 83 mention deposits, transfers or getting paid.
- Of the 510 reviews, posts and videos we read, 45 mention how easy or hard the app is to use.
- Of the 510 reviews, posts and videos we read, 40 mention customer service or support.
Positive
“It’s the best banking app out there in my opinion. You can get paid two days earlier than your paycheck...”
Critical
“Worst customer service and dispute resolution it takes over 3 months so they can tell you your dispute was denied...”
Mixed
“I've had chime for 3 years and for the most part it's been a great experience.”
Where these come from
- Chime reviews on the App Store, read Oct 24, 2026. The public feed returns the 500 most recent US reviews. We kept every one dated inside the window.
- Hacker News search for Chime, read Oct 24, 2026. Public search of comments and posts. 13 named the app; we kept 2 where the writer shares their own use of it.
- Reddit search for Chime, collected Oct 24, 2026. Collected with Apify (harshmaur/reddit-scraper) on Oct 24 2026: a keyword search for "Chime bank", posts and comments from after Oct 24 2025. It returned 61, most of them about something else. We kept 7 where the writer shares their own use of the app or a clear opinion of it. We left out moderators, bots, company accounts, referral posts and people promoting their own apps.
- YouTube search for Chime, collected Oct 24, 2026. Collected with Apify (streamers/youtube-scraper) on Oct 24 2026: a search for "Chime bank review" from the past year, up to 8 videos. It returned 8. We kept 1 and left out the app's own channel, sponsored videos, videos with affiliate or referral links and videos about a different product. We count themes from each video's title, description and captions, but we don't quote videos, because the captions we have carry no timestamps.
- u/Beautiful_Boat3144 in r/CashApp on Reddit, Oct 24, 2026.
- u/Dankdefender420 in r/chimefinancial on Reddit, Oct 24, 2026.
- u/Sure-Resist-1415 in r/chimefinancial on Reddit, Oct 23, 2026.
- u/LittleLotteRae in r/chimefinancial on Reddit, Oct 23, 2026.
- u/Extreme_Set485 in r/chimefinancial on Reddit, Oct 23, 2026.
- u/Revolutionary_Ad1168 in r/Mercari on Reddit, Oct 23, 2026.
- u/dnyte270 in r/chimefinancial on Reddit, Oct 22, 2026.
- devchix on Hacker News, Oct 22, 2026.
- jimz on Hacker News, Jun 25, 2026.
- "Why I Will NEVER Use Chime Bank Again (Shocking Truth)" by Credit Card Blueprint on YouTube, May 17, 2026.
FAQ
How much does Albert cost?
Albert's Standard plan costs $19.99 a month, and Genius and Family plans cost $39.99 a month. A Family plan covers the owner and up to 4 family members. We checked this on Nov 12, 2026.
How much does Chime cost?
Chime says its savings account has no fees, and you need an active Chime Checking Account to open one. We checked this on Oct 29, 2026.
Does Albert have a free trial?
Albert says you can try your plan for 30 days before you're charged. We checked this on Nov 12, 2026.
What APY does Chime list?
Chime lists 1.00% APY for standard members, 3.00% APY for Chime Plus and 4.00% APY for Chime Prime, in rates effective Oct 6, 2026. Chime says the rate is variable. Chime says there is no minimum balance, but you need $0.01 in savings to earn interest. The higher rates depend on Chime Plus or Chime Prime status, which ties to qualifying direct deposits. We checked this on Nov 12, 2026.
More comparisons
Similar comparisons
Keep comparing
- Read our Chime review.
- See Albert alternatives, closest category first.
- See Chime alternatives, closest category first.
- Browse our guide to the best budgeting apps.
- Want the bigger picture? Compare more money apps.
Full disclosure: Taylor Price, who runs Priceless Tay, owns Fifecta, so keep that in mind as you read this comparison.
Want a plan built on your Money Type?
Fifecta gives every paycheck a plan with FUNDS, so you know where each dollar goes.
Sources and confidence
- Last checked
- Sourced facts
- 13 facts, each linked and dated
Albert6 sourced facts, last checked Nov 12, 2026
- Price and feeshelp.albert.com/hc/en-us/articles/21583583733271-How-much-does-Albert-cost, as of Nov 12, 2026
- Free trialalbert.com, as of Nov 12, 2026
- Platformsalbert.com, as of Nov 12, 2026
- Bank syncingalbert.com/about/budgeting, as of Oct 29, 2026
- Featuresalbert.com/about/genius, as of Oct 29, 2026
- App store ratingApp Store listing, as of Nov 12, 2026
Chime7 sourced facts, last checked Nov 12, 2026
- Price and feeshelp.chime.com/what-is-the-chime-savings-account-f189355c, as of Oct 29, 2026
- APY or ratehelp.chime.com/what-is-annual-percentage-yield-apy-dfafd381, as of Nov 12, 2026
- Minimumshelp.chime.com/what-is-the-chime-savings-account-f189355c, as of Nov 12, 2026
- Protectionhelp.chime.com/what-is-the-chime-savings-account-f189355c, as of Nov 12, 2026
- Platformshelp.chime.com/do-i-get-account-statements-from-chime-ec347b04, as of Nov 12, 2026
- Featureshelp.chime.com/what-are-chime-savings-goals-4aef8222, as of Oct 29, 2026
- App store ratingApp Store listing, as of Nov 12, 2026
Each fact links to the official page it came from, with the date we checked it. Once a fact is older than 30 days, it comes off the page until we check it again. How we source, date and index this data.
This is education, not financial advice.
