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Alternatives

Chime alternatives in 2026

Updated

ChimeBanking app

Chime is a banking app. 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. We checked that on Oct 24, 2026. Below are 4 apps from the closest categories, savings accounts and investing apps. They're ranked by how close each app's category is to Chime's, not by how good it is, and every fact shows the date we checked it.

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

Short answer

The closest alternatives to Chime are Ally, SoFi and Acorns, because Ally and SoFi are savings accounts and Acorns is an investing app. 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. We checked Chime on Oct 24, 2026, and every card below shows its own dates.

Alternatives to Chime, closest category first

Each card puts the app's facts next to Chime's. The order follows how close the category is, not how good the app is, and “Not verified yet” means we don't have a current official source for that line.

Savings accounts

  • Ally Bank Savings logo

    Ally Bank Savings

    Savings account

    Nearby category

    Ally Bank's online savings account pays a variable rate and includes savings buckets, round ups and recurring transfers.

    Price and fees
    AllyAlly charges no monthly maintenance fees on its savings account.As of Oct 24, 2026. Source: ally.com/bank/online-savings-account
    ChimeChime 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 rate
    AllyAlly lists 3.20% APY, correct as of Oct 23, 2026. The rate is variable.Ally says the same APY applies across all balance tiers, with no minimum balance requirement.As of Oct 24, 2026. Source: ally.com/bank/online-savings-account
    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.As of Oct 24, 2026. Source: help.chime.com/what-is-annual-percentage-yield-apy-dfafd381
    Platforms
    AllyNot verified yet.
    ChimeNot verified yet.
    App store rating
    AllyAlly Bank Savings has 4.7 out of 5 on the App Store from 114,147 ratings.As of Oct 24, 2026. Source: App Store listing
    ChimeChime has 4.8 out of 5 on the App Store from 1,629,130 ratings.As of Oct 24, 2026. Source: App Store listing

    Who it fits

    • Ally lists goals. A goal gives a Spender a reason to pause before buying, which is the Sleep on It fix.
    • Ally lists an APY on deposits. That fits a Saver, whose first fix is putting saved money to work.
  • SoFi Checking and Savings logo

    SoFi Checking and Savings

    Savings account

    Nearby category

    SoFi's savings account pays a higher variable rate when you have eligible direct deposit or $5,000 in qualifying deposits.

    Price and fees
    SoFiNot verified yet.
    ChimeChime 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 rate
    SoFiSoFi lists 3.30% APY with eligible direct deposit or $5,000 in qualifying deposits, and 0.80% APY without them, in rates effective Oct 20, 2026. The rate is variable.You need eligible direct deposit, or $5,000 in qualifying deposits every 31 days, to earn the 3.30% APY.As of Oct 24, 2026. Source: sofi.com/legal/banking-rate-sheet
    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.As of Oct 24, 2026. Source: help.chime.com/what-is-annual-percentage-yield-apy-dfafd381
    Platforms
    SoFiNot verified yet.
    ChimeNot verified yet.
    App store rating
    SoFiSoFi Checking and Savings has 4.7 out of 5 on the App Store from 385,426 ratings.As of Oct 24, 2026. Source: App Store listing
    ChimeChime has 4.8 out of 5 on the App Store from 1,629,130 ratings.As of Oct 24, 2026. Source: App Store listing

    Who it fits

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

Investing apps

  • Acorns logo

    Acorns

    Investing app

    Nearby category

    Acorns is an automated investing app that bundles investing, retirement and banking tools into monthly subscription plans.

    Price and fees
    AcornsAcorns has three monthly plans: Bronze at $4 a month, Silver at $8 a month, and Gold at $12 a month.As of Oct 24, 2026. Source: acorns.com/pricing
    ChimeChime 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 rate
    AcornsAcorns lists a 3.59% APY on Emergency Savings and a 2.33% APY on Mighty Oak Checking, stated as of Sep 22, 2026. The rate is variable.Acorns says there is no minimum opening deposit or minimum balance for these accounts.As of Oct 24, 2026. Source: acorns.com/pricing
    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.As of Oct 24, 2026. Source: help.chime.com/what-is-annual-percentage-yield-apy-dfafd381
    Platforms
    AcornsNot verified yet.
    ChimeNot verified yet.
    App store rating
    AcornsAcorns has 4.7 out of 5 on the App Store from 959,943 ratings.As of Oct 24, 2026. Source: App Store listing
    ChimeChime has 4.8 out of 5 on the App Store from 1,629,130 ratings.As of Oct 24, 2026. Source: App Store listing

    Who it fits

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

    Bloom

    Investing app

    Nearby category

    Bloom is a subscription app for learning to invest, with lessons, games and an investing account for adults and teens.

    Price and fees
    BloomBloom 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/faq
    ChimeChime 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 rate
    BloomNot verified yet.
    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.As of Oct 24, 2026. Source: help.chime.com/what-is-annual-percentage-yield-apy-dfafd381
    Platforms
    BloomBloom lists iOS and Android.As of Oct 24, 2026. Source: bloomapp.com
    ChimeNot verified yet.
    App store rating
    BloomBloom has 4.8 out of 5 on the App Store from 46,596 ratings.As of Oct 24, 2026. Source: App Store listing
    ChimeChime has 4.8 out of 5 on the App Store from 1,629,130 ratings.As of Oct 24, 2026. Source: App Store listing

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...”
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

What are the closest alternatives to Chime?

The closest alternatives to Chime are Ally, SoFi and Acorns, because Ally and SoFi are savings accounts and Acorns is an investing app. This list is ordered by how close each app's category is to Chime's, not by how good it is.

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 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.

What is Chime's app store rating?

Chime has 4.8 out of 5 on the App Store from 1,629,130 ratings. That's a snapshot from the store listing on Oct 24, 2026, not our score.

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

Another option: Fifecta

If none of these 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

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

Sources and dates

This is education, not financial advice.