Skip to content

Coaching waitlist · Spots are full

Coaching Built Around Your Money Type

Coaching spots are full right now. Join the waitlist and you’ll hear first when the next Executive cohort opens and when Foundation enrollment reopens.

Join the waitlist See the programs

Free to join the waitlist · No card required

  • Strategist
  • Spender
  • Saver
  • Scrambler

Coaching spots are fullJoin the waitlist

Priceless Tay
Find My Money Type

Investing comparison

Bloom vs Chime

Updated

Bloom logoBloomInvesting app
ChimeBanking app

Priceless Tay may earn a commission from some links on this page, and that never changes how we compare apps.

Full disclosure: Taylor Price, who runs Priceless Tay, owns Fifecta, so keep that in mind as you read this comparison.

Short answer

Bloom is an investing app and Chime is a banking app. Bloom offers a $15 monthly plan and a $99.99 annual plan, and its custodial plan costs $150 a year, while Chime says its savings account has no fees, and you need an active Chime Checking Account to open one. We checked both on Oct 24, 2026.

Bloom vs Chime at a glance

Bloom is an investing app and Chime is a banking app. This page puts what each company's official pages and app store listings say side by side, with the date we checked every fact. The sources differ on 5 of the 7 rows in the table below.

Price and fees

Bloom offers a $15 monthly plan and a $99.99 annual plan, and its custodial plan costs $150 a year. Chime says its savings account has no fees, and you need an active Chime Checking Account to open one. We checked both on Oct 24, 2026.

APY or rate

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 haven't verified this for Bloom yet, so check the official site for Bloom before you decide. We checked Chime on Oct 24, 2026.

Opening and balance minimums

Bloom has no minimum account balance, but deposits and stock orders must be at least $1. Chime says its savings account has no minimum balance requirement. We checked both on Oct 24, 2026.

Protection

Bloom's brokerage accounts are held at Alpaca Securities, a SIPC member. SIPC protection is limited to $500,000, including a $250,000 limit for cash. Chime 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. We checked both on Oct 24, 2026.

Platforms

Bloom lists iOS and Android. We haven't verified this for Chime yet, so check the official site for Chime before you decide. We checked Bloom on Oct 24, 2026.

Features

Bloom lists AI features, which the sources we checked don't confirm for Chime. Chime lists goals, which the sources we checked don't confirm for Bloom. We checked both on Oct 24, 2026.

App store rating

Bloom has 4.8 out of 5 on the App Store from 46,596 ratings. Chime has 4.8 out of 5 on the App Store from 1,629,130 ratings. We checked both on Oct 24, 2026. Store ratings are a dated snapshot from each listing, not our score.

Bloom and Chime, side by side

Rows marked “Differs” are where the two official sources say different things, and 5 rows do here.

Swipe the table sideways to see both apps.

Bloom compared with Chime. Each cell shows the date it was checked and links to its source.
FieldBloom logoBloomInvesting appBloom is a subscription app for learning to invest, with lessons, games and an investing account for adults and teens.Visit Bloom's siteChimeBanking appChime is a financial technology company, not a bank, that offers checking and savings accounts through partner banks.Visit Chime's site
Price and feesDiffersBloom offers a $15 monthly plan and a $99.99 annual plan, and its custodial plan costs $150 a year.As of Oct 24, 2026. Source: bloomapp.com/faqChime says its savings account has no fees, and you need an active Chime Checking Account to open one.As of Oct 24, 2026. Source: help.chime.com/what-is-the-chime-savings-account-f189355c
APY or rateNot verified yet.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. 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.As of Oct 24, 2026. Source: help.chime.com/what-is-annual-percentage-yield-apy-dfafd381
Opening and balance minimumsDiffersBloom has no minimum account balance, but deposits and stock orders must be at least $1.As of Oct 24, 2026. Source: bloomapp.com/faqChime says its savings account has no minimum balance requirement.As of Oct 24, 2026. Source: help.chime.com/what-is-the-chime-savings-account-f189355c
ProtectionDiffersBloom's brokerage accounts are held at Alpaca Securities, a SIPC member. SIPC protection is limited to $500,000, including a $250,000 limit for cash.As of Oct 24, 2026. Source: sipc.org/for-investors/what-sipc-protectsChime 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.As of Oct 24, 2026. Source: help.chime.com/what-is-the-chime-savings-account-f189355c
PlatformsBloom lists iOS and Android.As of Oct 24, 2026. Source: bloomapp.comNot verified yet.
FeaturesDiffers
  • Yes: AI features
As of Oct 24, 2026. Source: bloomapp.com
  • Yes: Goals
As of Oct 24, 2026. Source: help.chime.com/what-are-chime-savings-goals-4aef8222
App store ratingDiffersBloom has 4.8 out of 5 on the App Store from 46,596 ratings.As of Oct 24, 2026. Source: App Store listingChime has 4.8 out of 5 on the App Store from 1,629,130 ratings.As of Oct 24, 2026. Source: App Store listing

App store ratings are a dated snapshot from each store listing, not our score. “Not verified yet” means we don't have a current official source for that line. Spotted a change? Tell us if something changed.

What the apps look like

Bloom

  • Bloom App Store screenshot 1 of 4, as of Oct 24, 2026
  • Bloom App Store screenshot 2 of 4, as of Oct 24, 2026
  • Bloom App Store screenshot 3 of 4, as of Oct 24, 2026
  • Bloom App Store screenshot 4 of 4, as of Oct 24, 2026
Screenshots: Bloom on the App Store, as of Oct 24, 2026.

Chime

  • Chime App Store screenshot 1 of 4, as of Oct 24, 2026
  • Chime App Store screenshot 2 of 4, as of Oct 24, 2026
  • Chime App Store screenshot 3 of 4, as of Oct 24, 2026
  • Chime App Store screenshot 4 of 4, as of Oct 24, 2026
Screenshots: Chime on the App Store, as of Oct 24, 2026.

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.

  • Strategist

    Neither app's sources confirm a feature we match to this type yet, so the quiz is the better place to start.

    First fix: Save the Raise.

  • Spender

    Chime lists goals. A goal gives a Spender a reason to pause before buying, which is the Sleep on It fix.

    First fix: Sleep on It.

  • Saver

    Chime lists an APY on deposits. That fits a Saver, whose first fix is putting saved money to work.

    First fix: Put It to Work.

  • Scrambler

    Neither app's sources confirm a feature we match to this type yet, so the quiz is the better place to start.

    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 Bloom 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.

Try Fifecta free

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 Bloom users say

Based on 500 App Store reviews, 3 Reddit posts and 2 YouTube videos dated Nov 2025 to Oct 2026, read Oct 2026. We collected the Reddit and YouTube data with Apify, a scraping service, on Oct 24, 2026.

  • Of the 505 reviews, posts and videos we read, 223 mention learning about investing.
  • Of the 505 reviews, posts and videos we read, 71 mention how easy or hard the app is to use.
  • Of the 505 reviews, posts and videos we read, 22 mention the price, fees or the subscription.

Positive

“...my favorite feature is the learning section of it. It has helped me understand so much that I wish I knew when I was younger!”
App Store reviewer on the App Store, . See the App Store reviews. Apple doesn't give single reviews their own link, so this opens the app's reviews.

Mixed

“My kids are on bloom and it has been great so far. Only downside is you have to pay for it but worth it imo.”
u/itsyourboyjjjj in r/investing on Reddit, . Read it on Reddit.

Critical

“There is no way to avoid the $15 subscription with Bloom even if you are not using the "learning" platform.”
u/ConditionSufficient7 in r/investingforbeginners on Reddit, . Read it on Reddit.
Where these come from

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...”
App Store reviewer on the App Store, . See the App Store reviews. Apple doesn't give single reviews their own link, so this opens the app's reviews.

Critical

“Worst customer service and dispute resolution it takes over 3 months so they can tell you your dispute was denied...”
App Store reviewer on the App Store, . See the App Store reviews. Apple doesn't give single reviews their own link, so this opens the app's reviews.

Mixed

“I've had chime for 3 years and for the most part it's been a great experience.”
u/dnyte270 in r/chimefinancial on Reddit, . Read it on Reddit.
Where these come from

FAQ

How much does Bloom cost?

Bloom offers a $15 monthly plan and a $99.99 annual plan, and its custodial plan costs $150 a year. We checked this on Oct 24, 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 24, 2026.

What is Bloom's app store rating?

Bloom has 4.8 out of 5 on the App Store from 46,596 ratings. That's a snapshot from the store listing on Oct 24, 2026, not our score.

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 Oct 24, 2026.

Similar comparisons

  • Acorns logoAcornsInvesting app
    ChimeBanking app

    Acorns vs Chime

    See Acorns and Chime side by side, with every fact dated.

    Data side by side
  • Bloom logoBloomInvesting app
    SoFi Checking and Savings logoSoFiSavings account

    Bloom vs SoFi

    See Bloom and SoFi Checking and Savings side by side, with every fact dated.

    Data side by side
  • Acorns logoAcornsInvesting app
    Ally Bank Savings logoAllySavings account

    Acorns vs Ally

    See Acorns and Ally Bank Savings side by side, with every fact dated.

    Data side by side
  • Acorns logoAcornsInvesting app
    SoFi Checking and Savings logoSoFiSavings account

    Acorns vs SoFi

    See Acorns and SoFi Checking and Savings side by side, with every fact dated.

    Data side by side
  • Ally Bank Savings logoAllySavings account
    Bloom logoBloomInvesting app

    Ally vs Bloom

    See Ally Bank Savings and Bloom side by side, with every fact dated.

    Data side by side
  • Bloom logoBloomInvesting app
    Copilot Money logoCopilot MoneyBudgeting app

    Bloom vs Copilot Money

    See Bloom and Copilot Money side by side, with every fact dated.

    Data side by side
  • Bloom logoBloomInvesting app
    EveryDollar logoEveryDollarBudgeting app

    Bloom vs EveryDollar

    See Bloom and EveryDollar side by side, with every fact dated.

    Data side by side
  • Bloom logoBloomInvesting app
    SimplifiBudgeting app

    Bloom vs Simplifi

    See Bloom and Quicken Simplifi side by side, with every fact dated.

    Data side by side
  • Bloom logoBloomInvesting app
    YNAB logoYNABBudgeting app

    Bloom vs YNAB

    See Bloom and YNAB side by side, with every fact dated.

    Data side by side

Keep comparing

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.

Try Fifecta free
Pinterest pin for Bloom vs Chime, a side-by-side app comparison from Priceless Tay.

Save this comparison

Pin it so you can find it again when you're ready to choose.

Save to Pinterest

Sources and dates

This is education, not financial advice.