Apps Like Chime

Apps like Chime
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Chime Bank financial app is one of the most favored financial tech firms that is transforming the way more individuals think about banking.

They make it easy to open up any bank account, receive a bank or debit card, as well as gain information about the terms, specific conditions, regular banking fees, as well as the absence of conventional costs that you would anticipate from banks of the same caliber.

Be that as it may, Chime Bank is not the only legitimate banking app available.

There are literally dozens of applications that are similar to it.

With such a large selection of financial applications, you can choose one that can help you cut monthly service costs, cut down service payments, dodge overdraft penalties, and still maintain the bank’s minimum requirement for balance.

At the bare minimum, one of the 15 best banking apps similar to Chime Bank listed below will be a fantastic fit for just about anyone’s banking needs!

 15 of the Best Apps like Chime Bank in 2023

 Of course, fierce competition exists in the monetary technology industry, which brings a plethora of options that are easily obtainable.

Set aside some time to thoroughly investigate each of the 15 most promising alternatives to the Chime Bank app to discover the app that might best meet your unique financial demands!

1. Ally

ally app

Ally is a similar app to Chime Bank, but it offers significantly more features and benefits due to its flexible, all-in-one capabilities. 

One can accomplish any task through Ally’s online platform, from banking to investing to obtaining a home loan or auto financing.

 All options available through Ally are a checking account that you can use for your daily needs, a savings account that allows you to put your money to work, home loans, mortgage refinancing, robot-advisory portfolios, and even self-directed trading.

As a result, Ally is a thoughtful app that doesn’t have many competitors, and that enables you to save for the future, conduct proper banking, and even learn how to improve your financial situation in as little as 20 minutes with the help of their recommendations.

Even if you’re just starting out, Ally is a great place to start building your emergency fund because it can assist you in determining how much money you should put aside and ensures that your savings account is established in a matter of minutes.

2. Cash App

Cash app

If you are seeking a straightforward smartphone application that will allow you to transfer funds, accept funds, as well as to even invest and manage your money, try Cash App, similar to Chime Bank. This might be a perfect choice.

With only a few flicks of your mouse, you can start transferring money instantaneously, expediting deposits, and even investing in Bitcoin and stocks with as small as $1 in your pocket.

Besides that, Cash App gives its customers a bank or debit card; this system is tailored to their financial requirements, allowing them to disburse money from their Cash App account in any way they see fit.

Although Cash App was originally designed to facilitate money transfers between parties, it has evolved into a more comprehensive financial tool that may assist you in streamlining your banking experience.

 3. Current

current app

Current is also relatively well known as the future of banking because it not only works to enhance banking by providing users with benefits and an easier way to bank, but it also creates a useful way for the average user to put their money to work.

This is accomplished through investing, where users can earn an annual percentage yield (APY) of 4.00 percent on savings. However, if you feel like you’re falling behind or need just a little more money to cover the final bill, you can obtain an overdraft of up to $200 without incurring any fees.

 With Current, you can also set up direct deposits, and you’ll be able to receive them much more quickly (about two days earlier than usual), allowing you to get a hold of your money much more quickly.

In the case of Current debit cards, you can earn points for every purchase you make with the card, which can be redeemed for cash in the long run.

Additionally, Current’s app is well-designed, as it allows you to perform virtually any action within the app that would otherwise require you to visit a local branch to complete.

 The ability to block transactions with a couple of clicks, having privacy controls such as fingerprint or Face ID login and the ability to freeze your credit card in seconds are just a few examples of what is available.

 4. Dave

dave app

The Dave app, like Chime Bank, is an extraordinary application since it not only offers banking assistance, in particular, seamless receiving and sending of money using a smartphone app. Dave also assists users with budgeting and cash advances, and even the development of financial possibilities.

 If you compare Dave’s services to traditional banks, you will find that Dave is of assistance by helping you get reimbursed more quickly (1 to 2 days quicker) and utilize Dave to develop your credit score.

Dave also proposes cash advances of as big as $250, which you can pay back without facing any interest or penalties. Dave’s somehow doesn’t charge overdraft fees, does not charge a minimum balance cost, and enables you to use your Dave’s bank or debit card at practically all ATMs for a modest service fee, making it an excellent pick.

 Take into consideration that withdrawing money from Dave’s bank or debit card using one of their 32,000 MoneyPass ATMs that are now accessible in the United States, you will not be charged a service fee for doing so.

 To top all of that, the Dave app has incorporated useful graphs, statistics, and findings that will aid you in setting your budget. Additionally, you can also make an effort and discover a second job through Dave’s app. This is a unique feature in that it allows you to earn extra needed funds even if you have full employment.

 5. Empower

The Empower app, which is similar to Chime Bank in that it offers a more convenient banking solution in the form of an app, is a great option to consider if you want to improve your credit score while also saving time on your banking transactions.

When you open an Empower account with $25, you may begin the process of improving your credit history.

 It is possible to obtain an Empower debit card almost immediately because there are no interest fees, late costs, or credit score checks required.

 To begin with the Empower Thrive product, you can start with $200 and work your way up to $1,000 by making all of your payments on time. This will assist you in improving your creditworthiness, obtaining a better line of credit, and taking advantage of a 0% APR while doing so.

 Another great feature is the ability to set up direct deposits to Empower, which will ensure that your funds arrive at least two days earlier than usual. However, whenever you spend any of your money with an Empower debit card, you will receive a cashback bonus of up to 10%.

6. GO2Bank

GO2Bank is dedicated to delivering the best mobile banking services available in the market.

While it is very comparable to the Chime Bank app, it possesses supplemental components such as the capability to deposit cash even at a local retailer; you are also able to cash a check from a mobile app, you can earn 7 percent instant cashback, as well as save money at a rate that is significantly higher than that offered by national banks.

 GO2Bank accounts allow you to control your money to keep it safe and even use it to sweeten your personal credit score while still having permission to acquire a GO2Bank Visa debit card for you to utilize on a daily basis without negatively having it impact your credit account.

 GO2Bank likewise offers a number of unique features, such as no monthly payments, no hidden costs, and no minimum balance provisions to open a new account with the bank. Additional benefits enclose overdraft protection for as high as $200 and the option to receive payment sooner rather than later (up to a max of four days earlier).

 If you satisfy the conditions, you may even be eligible to receive a free smartphone (the Samsung Galaxy) in exchange for a $200 direct deposit.

 7. Green Dot

green dot app

A cashback internet bank account as well as a debit card supplier, Green Dot helps to provide flawless banking by allowing you to manage your entire account through a single mobile application.

That being said, there is more going on beneath the surface than catches the eye in this simple yet effective software.

Besides being able to send, receive, and hold finances in your registered Green Dot bank account, you can also consume it prudently with your personal Green Dot debit card. Green Dot also keeps track of your expenditures in a strikingly attractive as well as simple-to-understand manner.

As an added bonus, Green Dot integrates possibilities to support you in paying for your house bills in the blink of an eye, and it also contains industry bank services if, by chance, you are required something more extensive than a private personal account.

The great news is that Green Dot will not only assist you in setting up direct bank deposits and receiving your paychecks sooner; it will also assist you in receiving your federal tax refund more quickly (roughly four days quicker than expected), further increasing your convenience.

8.  Lili

lili app

Lili is a wonderful alternative if you’re seeking a more convenient way to get compensated online or to send payments online because it not only simplifies the transfer procedure but also supports people with their taxes, invoicing, and even expenditures reports through one platform.

 Since you don’t have to worry about overdraft fees, cashback rewards, or automated savings, Lili is a comprehensive bank checking app that provides all of these features.

 Lili can also assist you with using a Visa debit card to receive and spend money if necessary. It doesn’t matter if you have a business to utilize Lili; freelancers or anyone who is paid to provide any kind of online service can benefit greatly from it.

Because there are no minimum balance requirements or additional fees, this is a great app for managing your finances and keeping track of your income.

Additionally, you can make use of optional features like a tax bucket to store money for tax payments, invoices to create, and tax refund optimization.

9. Netspend


This banking app, Netspend, is focused on providing newly-registered individuals with a debit card. This allows them to spend their money in the way they want while also managing their money, home finances, and even multiple accounts inside the Netspend app in a DIY manner, according to the company.

You don’t require a credit assessment to sign up. Prepaid cards can be ordered with as little as a few bits of personal information. With Netspend’s debit card, you can earn cashback when you shop and set up direct bank deposits to obtain payouts two days earlier than usual.

Netspend even offers a $20 reward to users who spend as big as $200 a full month with the service. Aside from that, Netspend has one of the best-looking cards (credit and debit) that you can get because they have WWE, Major League Baseball, as well as other distinctive sports cards on them.

You actually won’t need to wait for your personal debit card to reach you through the mail because you can pick one up at a convenience store (for example, your nearest 7Eleven). In fact, you can immediately activate and start utilizing the debit card. This is another edge over using other apps in place of Chime Bank, such as Venmo or PayPal.

10. N26

N26 app

N26 is a full-featured banking app that can assist you in replacing your current bank with a bank that is easier to use, is available as a smartphone app, and makes it easier to manage your finances.

It is possible to send and receive payments just as you would with a traditional bank account, spend your money using an N26 debit card, track all of your expenses using helpful visual reports, and even set money aside using an N26 account.

It is completely free to use the service, and you can set up an account in less than 10 minutes. The best part is that you can begin spending your money and making use of N26 even before your debit card arrives in the mail.

The great thing about N26 is that they have four different personal and four different business account types that you can open, which means that N26 can meet the financial needs of almost anyone.

On top of that, you can integrate N26 with services such as Apple Pay and Google Pay or even create a virtual card to use for online payments that are immediate and secure. For those looking for a more comprehensive banking experience, N26 also offers insurance, making it one of the most popular apps similar to Chime Bank to use if you want a diverse range of banking features.

 11. OnJuno

This alternative is a cryptocurrency-focused app similar to Chime Bank. With OnJuno, the option of managing both your US dollar and bitcoin funds is effortlessly available.

OnJuno is furthermore a cryptocurrency exchange marketplace; this is where you are able to rapidly and effortlessly convert your cash into cryptocurrency at a reasonable rate in just a couple of minutes.

If you wish to preserve your funds for the long term, you can additionally earn 4% a year on the money you keep in your active OnJuno profile.

Additionally, OnJuno provides the option to set up direct payments and even to receive a portion of your wages in bitcoin, in addition to its cashback debit cards.

Selling your cryptocurrency on OnJuno is a simple and fast process that results in dollars being deposited into your private OnJuno personal debit card within minutes of the transaction being completed, making it easy to cash out your cryptocurrency.

To summarize, OnJuno is a great choice for those who are new to cryptocurrency, want a single account to handle both your cash and your cryptocurrency, or just wish to save money by making use of cryptocurrencies for investment.

12. Porte

Porte is another banking app that is similar to Chime Bank in that it offers a number of features that are beneficial to people who are looking for a more convenient banking app solution.

In addition, the Porte app does not impose any monthly fees, and you can get paid two days sooner than you would otherwise. You can also easily lock your debit card at the touch of a button for increased security, and you can always have an insight into your finances, spending, and budgeting in just a few clicks.

Also available through Porte is the ability to maintain a savings account, transfer money easily between accounts, and even spend money using a very attractive Porte debit card.

Once you become a consistent Porte user, you will be eligible for additional benefits such as discounts on everyday purchases and the opportunity to save even more money by shopping at popular retailers.

 13. Varo

varo app

Similar to Chime Bank, Varo, is a banking app that assists in providing branchless mobile banking that is available 24 hours a day, seven days a week and is significantly easier to use, and is more beneficial to the average user.

Consequently, Varo has made sure that you can sign up, including the fact that you do not have to submit a credit analysis, there is no minimum balance requirement, and Varo does not charge monthly fees.

No overdraft fees are charged because Varo only works with funds that are already in your profile. With Varo’s debit card, you may shop at nearly any business and withdraw money from more than 55,000 ATMs around the country, saving you money.

Using Varo to send money has never been easier, and the company also offers its users the option of sending money for free to other Varo users. Additionally, direct deposits can assist you in improving your credit score, managing your paycheck more effectively through the use of helpful insights, and having access to your money at all times with only a couple of clicks.

14. Venmo

Venmo app

Those seeking a quick way to transfer payments to friends, family, and everyone else at the push of a virtual button while also seeking to improve their financial management will find Venmo to be an ideal choice. Venmo is absolutely a user-friendly software that is convenient to use while also allowing you to accomplish fantastic outcomes.

Sending money to anyone in the blink of an eye, splitting a bill while out of funds, and, crucially enough, getting a Venmo personalized debit card which gives you an extra 3% cashback reimbursement on every purchase, all possible with Venmo.

Besides that, this app can aid you in getting started in the cryptocurrency world by allowing you to purchase bitcoin straight within Venmo. You can do this with even just $1 and then continue to trade a wide variety of cryptocurrencies with others.

Besides that, Venmo can aid you in getting started in the cryptocurrency world by allowing you to purchase bitcoin straight within the app for as little as $1 and to trade a wide variety of cryptocurrencies with others.

Receiving payments is just as quick and clear as sending payments. Apart from supplying a personal debit card, Venmo also offers a credit card once the conditions match up, which is something you won’t discover in any other payment app.

15. Wise

Wise is a financial technology institution that is very similar to a Chime Bank, but it is much more versatile and offers a broader range of features that make online and even international banking more convenient.

There are both personal and business accounts available with Wise, and its primary function is to enable users to send money (a one-time payment) to any other account through the use of a mobile banking app.

Wise, on the other hand, is well-known for allowing its users to maintain multiple currencies in a single account. Wise authorizes you to keep more than just dollars in your account, and the best part is that you can exchange money between different currencies at a very favorable exchange rate.

Wise performs better because it enables people to send money at a lower cost, send money internationally quickly, receive payments in ten different currencies, and hold money in more than fifty different currencies.

Wise also offers a debit card, which you can order and have delivered to your home address. This card can be used anywhere in the world and is particularly useful for withdrawing money in your home currency.

It’s easy to shop online, and if you’re traveling, there’s no more convenient app to use than Wise, which enables you to transfer money between countries and use it anywhere in the world at the touch of a button.


Although the Chime Bank app offers a plethora of additional advantages over a traditional banking institution, with myriads of options available, you are sure to find a financial app that aggressively meets your economic as well as banking demands.

In addition to being very versatile, Wise allows users to hold multiple currencies in one account and even has a savings option to keep your money safe. Wise is among the finest banking apps similar to Chime Bank because it is very user-friendly and authorizes users to maintain numerous currencies in a single bank account. Wise even has a savings option to maintain your finance’s security.

Although each of these financial apps has more than one outstanding feature that may precisely be what you’re looking for, it’s important to test out each of these banking apps to determine which one would be the most beneficial to you.