Savings comparison
Chime vs MoneyLion
Updated
Full disclosure: Taylor Price, who runs Priceless Tay, owns Fifecta, so keep that in mind as you read this comparison.
Short answer
Chime and MoneyLion are both banking apps. 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, while MoneyLion lists 3.88% APY on MoneyLion Save for MoneyLion One members, accurate as of 10/01/2026. We checked both on Oct 24, 2026, and the official sources differ on 5 of the 7 rows in the table below.
Chime vs MoneyLion at a glance
Chime and MoneyLion are both banking apps. 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
Chime says its savings account has no fees, and you need an active Chime Checking Account to open one. The optional MoneyLion One membership costs $9.99 a month, or $0 a month when you direct deposit $500 or more each month. 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. MoneyLion lists 3.88% APY on MoneyLion Save for MoneyLion One members, accurate as of 10/01/2026. MoneyLion says the rate is variable. No minimum deposit is required to open the account, and no minimum balance is required to earn APY. The 3.88% rate is tied to MoneyLion One membership. We checked both on Oct 24, 2026.
Opening and balance minimums
Chime says its savings account has no minimum balance requirement. MoneyLion says no minimum deposit is required to open MoneyLion Save and no minimum balance is required to earn APY. We checked both on Oct 24, 2026.
Protection
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. MoneyLion is not a bank. MoneyLion Spend and MoneyLion Save are provided by Pathward, National Association, Member FDIC, and funds are FDIC insured, subject to applicable limitations and restrictions, when received into your account. We checked both on Oct 24, 2026.
Platforms
MoneyLion lists Web, iOS and Android. We haven't verified this for Chime yet, so check the official site for Chime before you decide. We checked MoneyLion on Oct 24, 2026.
Features
Chime lists goals. We haven't verified the features for MoneyLion yet. We checked Chime on Oct 24, 2026.
App store rating
Chime has 4.8 out of 5 on the App Store from 1,629,130 ratings. MoneyLion has 4.8 out of 5 on the App Store from 330,325 ratings. We checked both on Oct 24, 2026. Store ratings are a dated snapshot from each listing, not our score.
What it costs
ChimeChime says its savings account has no fees, and you need an active Chime Checking Account to open one.
- MoneyLion
$0a month
The optional MoneyLion One membership costs $9.99 a month, or $0 a month when you direct deposit $500 or more each month.
As of · moneylion.com/one
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.
At a glance
APY
- Chime
- 1.00% to 4.00% APY
- MoneyLion
- 3.88% APY
Source
- 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. help.chime.com/what-is-annual-percentage-yield-apy-dfafd381, as of Oct 24, 2026.
- MoneyLion lists 3.88% APY on MoneyLion Save for MoneyLion One members, accurate as of 10/01/2026. The rate is variable. No minimum deposit is required to open the account, and no minimum balance is required to earn APY. The 3.88% rate is tied to MoneyLion One membership. moneylion.com/one, as of Oct 24, 2026.
App Store rating
- Chime
- 4.81,629,130 ratings
- MoneyLion
- 4.8330,325 ratings
Source
- Chime has 4.8 out of 5 on the App Store from 1,629,130 ratings. App Store listing, as of Oct 24, 2026.
- MoneyLion has 4.8 out of 5 on the App Store from 330,325 ratings. App Store listing, as of Oct 24, 2026.
Platforms
- Chime
- Not verified yet
- MoneyLion
- Web
- iOS
- Android
Source
- Chime: Not verified yet.
- MoneyLion lists Web, iOS and Android. moneylion.com, as of Oct 24, 2026.
Minimums
- Chime
- Chime says its savings account has no minimum balance requirement.
- MoneyLion
- MoneyLion says no minimum deposit is required to open MoneyLion Save and no minimum balance is required to earn APY.
Source
- Chime says its savings account has no minimum balance requirement. help.chime.com/what-is-the-chime-savings-account-f189355c, as of Oct 24, 2026.
- MoneyLion says no minimum deposit is required to open MoneyLion Save and no minimum balance is required to earn APY. moneylion.com/one, as of Oct 24, 2026.
Protection
- Chime
- 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.
- MoneyLion
- MoneyLion is not a bank. MoneyLion Spend and MoneyLion Save are provided by Pathward, National Association, Member FDIC, and funds are FDIC insured, subject to applicable limitations and restrictions, when received into your account.
Source
- 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. help.chime.com/what-is-the-chime-savings-account-f189355c, as of Oct 24, 2026.
- MoneyLion is not a bank. MoneyLion Spend and MoneyLion Save are provided by Pathward, National Association, Member FDIC, and funds are FDIC insured, subject to applicable limitations and restrictions, when received into your account. moneylion.com, as of Oct 24, 2026.
Features
| Feature | Chime | MoneyLion |
|---|---|---|
| Savings goals | Listed by the source | Not verified yet |
✓ means the official site lists it. ? means we haven't verified it yet, not that the app lacks it. Chime: help.chime.com/what-are-chime-savings-goals-4aef8222, as of Oct 24, 2026.
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
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
MoneyLion
App Store marketing imageApp Store image with the headline "One Premium benefits" showing the MoneyLion One membership screen.App Store listing, as of 
App Store marketing imageThe MoneyLion One screen: Membership unlocked with a direct deposit progress bar, then benefit tiles for daily cash back, savings APY, identity protection and investing, each with Activate now.App Store listing, as of 
App Store marketing imageA Membership unlocked card: deposited $524 of $500 with a progress bar and a Manage direct deposit button.App Store listing, as of
Goals
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
MoneyLion
No official screen found yet
Reports and insights
Chime
No official screen found yet
MoneyLion
App Store marketing imageApp Store image with the headline "Stay in control of your money" showing a Credit Monitoring screen with a score of 780.App Store listing, as of 
App Store marketing imageThe Credit Monitoring screen: a gauge at 780, Excellent, up 5.2 points, a See all activity button and rows for credit utilization, age of accounts, total balances and credit checks.App Store listing, as of 
App Store marketing imageA credit score gauge from 300 to 850 pointing at 780, labeled Excellent, up 5.2 points, updated May 30.App Store listing, as of
Investments
Chime
No official screen found yet
MoneyLion
App Store marketing imageApp Store image with the headline "Invest money in your own way" and the line "And spare change with Round Ups", showing an Investments screen.App Store listing, as of 
App Store marketing imageThe Investments screen: $1,248.48 with a line chart, time range buttons and Withdraw and Add money buttons.App Store listing, as of
Transfer and send
Chime
No official screen found yet
MoneyLion
App Store marketing imageApp Store image with the headline "Access your pay early $20 - $500 with Instacash" showing a "You got Instacash!" screen.App Store listing, as of 
App Store marketing imageA "You got Instacash!" screen held in a hand, with a $500.00 card showing the destination account, repayment date and wait time, and a Done button.App Store listing, as of
Card controls
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
MoneyLion
No official screen found yet
Settings and security
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
MoneyLion
No official screen found yet
Other screens
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 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
MoneyLion
App Store marketing imageApp Store image with the headline "Borrow. Earn. Win.", a laurel saying MoneyLion has helped over 18M people get $18B, and a person holding a phone that shows "You got Instacash! $100".App Store listing, as of 
App Store marketing imageApp Store image with the headline "Earn money for playing games" and the line "Earn up to $50 per game", showing game icons and a person on a beanbag.App Store listing, as of 
App Store marketing imageApp Store image with the headline "Personal loan offers up to $100k" showing a borrowing amount screen and a loan offer.App Store listing, as of 
App Store marketing imageA "How much would you like to borrow?" screen set to $1000 with a See my offers button, purpose tiles for Emergency Bills, Debt Consolidation and Home Improvement, and a Lendio personal loan card.App Store listing, as of 
App Store marketing imageApp Store image titled Disclaimer with numbered footnotes about Instacash, cash back on debit purchases and APY.App Store listing, as of 
App Store marketing imageA second App Store image titled Disclaimer with numbered footnotes about the savings rate comparison, insurance benefits, investing, Credit Builder, Round Ups and MoneyLion One membership.App Store listing, as of
Chime and MoneyLion, side by side
Rows marked “Differs” are where the official sources say different things, and 5 rows do here.
Swipe the table sideways to see both apps.
| Field | ChimeBanking appChime is a financial technology company, not a bank, that offers checking and savings accounts through partner banks.Visit Chime's site | MoneyLionBanking appMoneyLion is a financial technology company, not a bank, with a MoneyLion Spend account, MoneyLion Save, Instacash cash advances, investing and a marketplace of loan and card offers.Visit MoneyLion's site |
|---|---|---|
| Price and feesDiffers | Chime 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 | The optional MoneyLion One membership costs $9.99 a month, or $0 a month when you direct deposit $500 or more each month.As of Oct 24, 2026. Source: moneylion.com/one |
| APY or rateDiffers | 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 | MoneyLion lists 3.88% APY on MoneyLion Save for MoneyLion One members, accurate as of 10/01/2026. The rate is variable.No minimum deposit is required to open the account, and no minimum balance is required to earn APY. The 3.88% rate is tied to MoneyLion One membership.As of Oct 24, 2026. Source: moneylion.com/one |
| Opening and balance minimumsDiffers | Chime 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 | MoneyLion says no minimum deposit is required to open MoneyLion Save and no minimum balance is required to earn APY.As of Oct 24, 2026. Source: moneylion.com/one |
| ProtectionDiffers | 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.As of Oct 24, 2026. Source: help.chime.com/what-is-the-chime-savings-account-f189355c | MoneyLion is not a bank. MoneyLion Spend and MoneyLion Save are provided by Pathward, National Association, Member FDIC, and funds are FDIC insured, subject to applicable limitations and restrictions, when received into your account.As of Oct 24, 2026. Source: moneylion.com |
| Platforms | Not verified yet. | MoneyLion lists Web, iOS and Android.As of Oct 24, 2026. Source: moneylion.com |
| Features |
| Not verified yet. |
| App store ratingDiffers | Chime has 4.8 out of 5 on the App Store from 1,629,130 ratings.As of Oct 24, 2026. Source: App Store listing | MoneyLion has 4.8 out of 5 on the App Store from 330,325 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. 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 to this table and compare up to four side by side.
Who it's for
Pick the tab that sounds like you. The questions come from app help centers, FAQ pages and user forums, and every answer comes from the app's own pages, with the date we checked it.
Just me
Budgeting on your own? These are the basics people ask about first.
Is it free?
Chime
Chime says its savings account has no fees, and you need an active Chime Checking Account to open one.
As of . Source: help.chime.com
MoneyLion
The optional MoneyLion One membership costs $9.99 a month, or $0 a month when you direct deposit $500 or more each month.
As of . Source: moneylion.com
Does it connect to my bank and import transactions?
Chime
Not verified yet
MoneyLion
Yes. MoneyLion's help center says you can link your bank accounts to get spending insights from your linked accounts and your MoneyLion Spend account.
As of . Source: help.moneylion.com
Is there support from the app's makers if I need help?
Chime
Not verified yet
MoneyLion
Yes. In-app chat, phone (24/7) and email.
In their words: “Here's how to contact MoneyLion Customer Care when you're in a pinch”
As of . Source: help.moneylion.com
Partners
Sharing money with a partner? Here's how each app handles a second person.
Can my partner use their own login details?
Chime
Yes. Your partner gets their own login.
In their words: “To open and keep a joint account, each co-owner must have their own active Chime Checking Account.”
As of . Source: help.chime.com
MoneyLion
Not verified yet
How many people can share one account?
Chime
Up to 2 people, including you.
In their words: “A joint account is a checking account owned and shared by two people to manage money together.”
As of . Source: help.chime.com
MoneyLion
Not verified yet
Can we keep shared and individual views?
Chime
Yes. You can keep shared and individual views.
In their words: “To open and keep a joint account, each co-owner must have their own active Chime Checking Account.”
As of . Source: help.chime.com
MoneyLion
Not verified yet
Family
Bringing in more of the household? Here's what each app says about families and kids. See apps with custodial accounts for kids.
How many people can share one account?
Chime
Up to 2 people, including you.
In their words: “A joint account is a checking account owned and shared by two people to manage money together.”
As of . Source: help.chime.com
MoneyLion
Not verified yet
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?
Chime
No.
In their words: “We don't currently support business accounts.”
As of . Source: help.chime.com
MoneyLion
Not verified yet
Business
Running a small business? Here's what each app says about business money.
Can I mix business and personal expenses in this app?
Chime
No.
In their words: “We don't currently support business accounts.”
As of . Source: help.chime.com
MoneyLion
Not verified yet
“Not verified yet” means we haven't found a current official source that answers it, not that the app can't. 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.
StrategistNeither 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.
SpenderChime 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.
SaverBoth Chime and MoneyLion list an APY on deposits. That fits a Saver, whose first fix is putting saved money to work.
First fix: Put It to Work.
ScramblerMoneyLion 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 Chime nor MoneyLion 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 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.
How much does MoneyLion cost?
The optional MoneyLion One membership costs $9.99 a month, or $0 a month when you direct deposit $500 or more each month. 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 APY does MoneyLion list?
MoneyLion lists 3.88% APY on MoneyLion Save for MoneyLion One members, accurate as of 10/01/2026. MoneyLion says the rate is variable. No minimum deposit is required to open the account, and no minimum balance is required to earn APY. The 3.88% rate is tied to MoneyLion One membership. We checked this on Oct 24, 2026.
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Keep comparing
- See Chime alternatives, closest category first.
- See MoneyLion alternatives, closest category first.
- Browse our guide to the best high-yield savings accounts.
- 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
- Not verified yet
- 2 of 14 facts
Chime6 of 7 verified, 1 not verified yet, last checked Oct 24, 2026
- Price and feeshelp.chime.com/what-is-the-chime-savings-account-f189355c, as of Oct 24, 2026
- APY or ratehelp.chime.com/what-is-annual-percentage-yield-apy-dfafd381, as of Oct 24, 2026
- Minimumshelp.chime.com/what-is-the-chime-savings-account-f189355c, as of Oct 24, 2026
- Protectionhelp.chime.com/what-is-the-chime-savings-account-f189355c, as of Oct 24, 2026
- PlatformsNot verified yet
- Featureshelp.chime.com/what-are-chime-savings-goals-4aef8222, as of Oct 24, 2026
- App store ratingApp Store listing, as of Oct 24, 2026
MoneyLion6 of 7 verified, 1 not verified yet, last checked Oct 24, 2026
- Price and feesmoneylion.com/one, as of Oct 24, 2026
- APY or ratemoneylion.com/one, as of Oct 24, 2026
- Minimumsmoneylion.com/one, as of Oct 24, 2026
- Protectionmoneylion.com, as of Oct 24, 2026
- Platformsmoneylion.com, as of Oct 24, 2026
- FeaturesNot verified yet
- App store ratingApp Store listing, as of Oct 24, 2026
- Reference: banks.data.fdic.gov/bankfind-suite/bankfind, checked Oct 24, 2026.
Each fact links to the official page it came from, with the date we checked it. Once a fact is older than its app's window (8 days for apps whose rates change often, 35 days for the rest), it reads “Not verified yet” until we check it again. How we source, date and index this data.
This is education, not financial advice.
