12 Best Apps Like Chime for Android and iOS

by Hashir Zuniga

Best Apps Like Chime

There are tons of apps like Chime out there. However, not all apps are created equal. This is why you have to take a look at the features of a mobile app before using it to save or send funds.

In this article, you will find a series of app recommendations that offer similar features to Chime. You may agree that Chime is still one of the best things out there but several alternatives are worth checking out.

Best Apps Like Chime for Better Online Banking Experience

What are you looking for from an online banking app? Well, security should come first regardless of your app preference. Other than that, it will be great if it doesn’t charge transaction fees.

Since you are looking for alternatives for Chime, here is a list of online banks that you can use both on iPhone and Android phones seamlessly. Be sure to check out their requirements before picking a specific app.

1. Wells Fargo

Wells Fargo

Wells Fargo is quite a popular name among banking apps. This platform serves at least 35 countries in the United States. By using this app, you can check your bank activity, pay bills, track investments, and many more.

Other than providing deposit accounts, Wells Fargo also comes with a series of interesting products, beneficial rewards, and cashback. Many users keep using this app due to its automated investing.

Wells Fargo, on the other hand, is touted as one of the best banking apps like Chime that you have to consider in many ways. This platform is highly beneficial for those who already own a well-established conventional bank account.

By using this app, you can check accounts without dealing with extra fees. You need to deposit at least USD25 in your account and pay USD10 for monthly services.

Download on Google Play Download on the App Store

2. NetSpend


NetSpend is another popular candidate you can try as an alternative to Chime. This platform offers several names of prepaid cards, such as Visa and Mastercard. Of course, you can use it to withdraw at ATMs, do online shopping, or make in-store transactions.

By using NetSpend, you will be able to make a direct deposit to your account. On the other hand, this platform allows you to manage every transaction through the mobile App. However, this app requires you to upload your ID for verification. 

All in all, if you are looking for apps similar to Chime then NetSpend is an excellent choice. The app is free to download and use. Yet, extra fees may be charged depending on how you use the app in the first place.

This platform also offers paid subscriptions that start from USD5 per month. By signing up for one of the plans, you may enjoy a better experience, full advanced features, and many more.

Download on Google Play Download on the App Store

3. Bank of America

Bank of America

Meanwhile, if you are looking for mobile banks like Chime then you should take a look at Bank of America. As its name suggests, this app is specifically designed for the Bank of America itself, which will be a huge advantage if you already own an account there.

By using this app, you can take care of almost the entire thing about banking through your phone. There is no need to go to the bank if you plan to open an account, with a low opening deposit. Similar to other banking apps, this platform also allows you to manage accounts, track activities, and a lot more through the app.

People love Bank of America because your rewards will get higher as you maintain a good relationship with the bank. You can use other banks’ ATMs but you will be charged USD2.50 per transaction.

Still, this platform is an excellent alternative for those who look for something similar to Chime but with more options of features.

Download on Google Play Download on the App Store

4. Ally


Lots of people have been using Ally to take care of their banking needs through smartphones. This app delivers tremendous services that help you with saving, investing, and other activities.

Other than that, this app is trusted, secure, and incredibly fast. In case you plan to invest through this app, several options are available for you, such as bonds, stocks, mutual funds, and many more.

The reason why people prefer this app when it comes to banking apps similar to Chime is its ability to transfer money between bank accounts through the app. Other than that, you can check your bills, set schedule payments, track transactions, and many more.

Other than that, you don’t need to pay a monthly fee. It is safe to say that Ally is an excellent free online banking app. However, you may be charged with penalties for early withdrawals. Still, Ally is a good bet.

Download on Google Play Download on the App Store

5. Capital One

Capital One

On the other hand, if you are looking for some mobile banking apps for android that come with excellent services then Capital One is an excellent candidate. This platform allows you to manage and take care of various things, such as banking and saving accounts, loans, as well as mortgages.

Capital One offers three types of services, such as commercial banking, consumer banking, and credit cards. For credit cards, this platform offers numerous cards, including but not limited to student cards, travel reward cards, cashback cards, and various business credit cards.

You can only use this app if you already have an account at Capital One. The presence of this app makes the transactions and other activities way easier for you.

Users love using this app because there is no monthly fee and you don’t have to deposit a minimum balance in the first place. However, you will be charged for overdraft transactions – it costs USD35 per transaction.

Download on Google Play Download on the App Store

6. Cash App

Cash App

This one is an excellent alternative to Chime that you have to consider. One of the best services of this app is the ability to transfer money from your phone. Within 30 days, you can transfer money up to USD1,000.

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And if you are willing to give personal information, such as your birth name and your Social Security Number then you may send more than USD1,000 within 30 days. Of course, every transaction you make using this app is secured and encrypted. Still, you better be extra cautious when using your smartphone to send money, after all.

This app won’t charge you any fee for sending money. However, you have to own the Cash App card to use the banking feature.

Download on Google Play Download on the App Store

7. Varo


Have you ever heard of Varo Bank? This platform is quite popular and people try to take a look at Varo vs Chime, considering both are the best on the market.

Varo is a bank that only serves on mobile. It means that anything you need about banking things can be accessed through its mobile app.

Other than allowing you to open both checking and saving accounts with no charge, this app is also great for budgeting, tracking activities, and many more. And in case you want to keep the change of any transaction, the system will transfer it to your savings.

If you plan to open an account in this bank, you should be at least 18 years of age and have USD1,000 as a monthly deposit. More than anything, this app is an excellent choice if you look for a good alternative to Chime.

Download on Google Play Download on the App Store

8. Wise


If you are looking for the best free online banking then Wise might not be an ideal choice. However, if you are used to Chime but need something different then this app has a lot to offer.

As a leading online banking app, Wise comes up with an excellent level of versatility. Other than that, you won’t need to worry to make international transactions with this app.

By using the mobile app, you can open an account seamlessly, without having to go to the bank in the first place. And if you plan to have more than one currency in your account.

Meanwhile, you can make a debit card through Wise. Later, you can withdraw money from around the world with local currency. Are you interested in using this app? Wise is available on the Play Store and App Store.

Download on Google Play Download on the App Store

9. N26


Are you planning to change your current bank with a mobile-app banking tool? If so then you have to give N26 a try. 

Just like a regular bank account, you can spend money, transfer funds, track all transactions, set aside your budget, and a lot more with this app. And one of the best banking app features offered by N26 is that you can use the app before your debit card is in your hand.

Also, this app is free to download and use. It only takes 10 minutes to create an account and you just wait for the debit card to arrive at your house. All in all, N26 is an alternative to Chime that comes with excellent versatility.

Download on Google Play Download on the App Store

10. GO2Bank


GO2Bank is not a stranger in the online banking industry. This platform puts a better focus to provide a similar solution to the online Chime Bank app. Also, this app comes up with other features that will make the entire online banking thing as seamless as possible.

One of those features is you may be eligible to get 7 percent instant cashback. Other than that, GO2Bank offers a better rate for those who start saving, especially if you compare it with other national banks.

Even though this platform offers exciting experiences that will be beneficial for your financial solution, there is no monthly fee or minimum balance to start an account. Users love this app because there is a penalty for overdraft, as long as it’s below USD200.

Download on Google Play Download on the App Store

11. Dave


The online bank Chime is already great but you may get better features and versatility by using other platforms. One of those platforms is called Dave.

This app will ensure that you get the best experience of using a mobile app for taking care of your banking needs. Other than transferring and tracking your banking activities, Dave also comes up with cash advances, building a financial portfolio, and budgeting.

Compared to conventional banks, Dave can speed up the process when you get paid up to two days faster. Of course, it helps a lot if you need to build a credit history.

Another interesting thing offered by this platform is that you can get cash advances up to USD250. You won’t need to pay extra charges when repaying. More than anything, Dave is the one you need, especially for those who are in the process of budgeting.

Download on Google Play Download on the App Store

12. lili


While online banking apps offer lots of convenience for transferring funds, lili comes up with something better. Other than allowing you to get paid and send payments through your phone, this platform also helps you handle invoices, taxes, and expense reports that will be helpful.

You can say that this platform is an all-in-one app that allows you to create checking and saving accounts effortlessly. Another interesting thing is that you will get protected from overdraft fees.

On the other hand, if you are frugal, lili also gives cashback rewards and automatic savings. There is no need to deposit a minimum balance, which is a good deal for lots of users. And if you want to, you can use lili’s feature that allows you to save from tax payments.

All in all, you can count lili if you are looking for another option to Chime. Of course, those extra features offered make this app stand out.

Download on Google Play Download on the App Store

Using online banking solutions, more than anything is one of the ways to utilize technology. Chime is undeniably one of the best online banks that come with generous benefits to its users.  The good news is that you will find other online bank alternatives that offer similar features.

While versatility is Chime’s one of the best traits, it is not the only thing that makes a banking app wins the competition. Thus, before picking an app from the list of apps like Chime above, make sure that it provides robust security.

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