Nuestro veredicto
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.
Pros
- No monthly, overdraft or minimum-balance fees
- Early direct deposit (up to two days sooner)
- SpotMe fee-free overdraft up to a limit
- Credit Builder card to build credit
- Large fee-free ATM network
Contras
- US-only
- Not a bank itself — services via partner banks
- No physical branches
- Cash deposits rely on retail partners and may cost
Comisiones y datos clave
| Registro | Free |
|---|---|
| Comisión mensual | No monthly fee |
| Enviar / recibir | Free Pay Anyone transfers |
| Tipo de cambio | N/A (US) |
| Retiradas | Free at 60,000+ in-network ATMs |
| Tarjeta | Yes — Visa debit (plus Credit Builder card) |
| Disponibilidad | United States |
| Divisas | USD |
| Fundación | 2013 |
| Sede | San Francisco, USA |
| Regulación | Banking via The Bancorp Bank / Stride Bank, N.A. (FDIC) |
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Chime — frequently asked questions
Is Chime safe to use?
Chime is regulated by Banking via The Bancorp Bank / Stride Bank, N.A. (FDIC) and uses standard protections such as encryption and two-factor authentication. As with any provider, make sure it is licensed in your country, use a strong password and never share one-time codes.
What fees does Chime charge?
Account/monthly fee: No monthly fee. Sending or receiving: Free Pay Anyone transfers. Currency conversion: N/A (US). Withdrawals: Free at 60,000+ in-network ATMs. Fees can change and may vary by country, so always confirm the latest terms on the official Chime site.
Which countries can use Chime?
Chime is available in United States. Exact availability, currencies and features can differ by country, so check the provider's site for your location.
Does Chime offer a card?
Yes — Visa debit (plus Credit Builder card). It supports USD.
What is Chime best for?
Chime is best for everyday no-fee banking in the us. 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.
Who is behind Chime and where is it based?
Chime launched in 2013 and is based in San Francisco, USA, regulated by Banking via The Bancorp Bank / Stride Bank, N.A. (FDIC).
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