Revolut vs Chime
Un comparatif côte à côte de ces deux portefeuilles — et lequel l'emporte selon le besoin.
| Fonctionnalité | Revolut | Chime |
|---|---|---|
| Note | 4.4 / 5 | 4.1 / 5 |
| Idéal pour | Travel spending and an all-in-one app | Everyday no-fee banking in the US |
| Frais mensuels | Free to ~$16.99/mo (Standard→Metal) | No monthly fee |
| Taux de change | Mid-market weekdays; ~1% weekend on Standard | N/A (US) |
| Envoyer / recevoir | Free between Revolut users | Free Pay Anyone transfers |
| Retraits | Free up to a monthly limit, then ~2% | Free at 60,000+ in-network ATMs |
| Carte | Yes — virtual & physical debit; Metal on premium | Yes — Visa debit (plus Credit Builder card) |
| Disponibilité | 40+ markets; cards usable in 160+ countries | United States |
| Devises | 30+ in-app (spend in 120+) | USD |
| Réglementation | Bank of Lithuania (ECB), UK banking licence, FCA | Banking via The Bancorp Bank / Stride Bank, N.A. (FDIC) |
| Création | 2015 | 2013 |
Revolut
Revolut is a feature-packed money super-app combining multi-currency accounts, travel-friendly cards, crypto, stocks and budgeting in one place. Free plans offer mid-market FX on weekdays with monthly limits, while paid tiers remove weekend surcharges and add perks. Its breadth is unmatched, though support quality and weekend FX fees are common gripes.
Avantages
- Mid-market FX on weekdays with generous free limits
- Budgeting, crypto, stocks, savings in one app
- Strong travel and multi-currency card
Inconvénients
- Weekend FX surcharge and limits on free plans
- Best features locked behind paid tiers
- Support is chat-only and can be slow
Chime
Chime is a US fintech offering fee-free mobile banking through partner banks, with no monthly or overdraft fees, early direct deposit, SpotMe overdraft coverage and a Credit Builder card. It is a strong everyday account for fee-conscious US users, though it is not a bank itself and cash deposits depend on retail partners.
Avantages
- No monthly, overdraft or minimum-balance fees
- Early direct deposit (up to two days sooner)
- SpotMe fee-free overdraft up to a limit
Inconvénients
- US-only
- Not a bank itself — services via partner banks
- No physical branches
En résumé
Globalement, Revolut prend l'avantage avec une note de 4.4 contre 4.1 — mais le bon choix dépend de vos priorités. Vérifiez les deux selon votre pays et votre usage avant de décider.