Chime vs Revolut
By Itai Varochik | Updated 2026
Quick Verdict
Overall Winner: Chime (4.3/5)
We tested Chime and Revolut side-by-side. Chime comes out ahead overall, but Revolut may be better for specific use cases.
Score Breakdown
| Criteria | Chime | Revolut |
|---|---|---|
| Features | 4.2/10 | 4.6/10 |
| Ease of Use | 4.6/10 | 4.3/10 |
| Value for Money | 4.8/10 | 4.4/10 |
| Customer Support | 3.8/10 | 3.8/10 |
| Overall | 4.3/10 | 4.3/10 |
Feature Comparison
| Feature | Chime | Revolut |
|---|---|---|
| No | No | |
| Multi-currency accounts | No | No |
| International money transfers | No | No |
| Budgeting and analytics tools | No | No |
| Cryptocurrency trading | No | No |
| Stock trading | No | No |
| Virtual and physical debit cards | No | No |
| Savings vaults | No | No |
| Travel insurance | No | No |
Pricing Comparison
Chime: Free
Revolut: Free / £3.99+/month
Chime Pros & Cons
Pros
- Completely fee-free checking and savings
- Early direct deposit up to 2 days
- SpotMe overdraft up to $200 with no fees
- Credit Builder card reports to all three bureaus
- 60,000+ fee-free ATMs
- 2.00% APY savings account
- Excellent mobile app experience
Cons
- No desktop web app for full management
- No joint accounts available
- Cash deposits cost $4.95 at retail partners
- No wire transfer capability
- Customer support can be slow
- Not a bank (fintech company with bank partners)
Revolut Pros & Cons
Pros
- 30+ currencies at interbank exchange rates
- Send money to 160+ countries
- Commission-free stock trading (plan dependent)
- 100+ cryptocurrencies with staking
- No foreign transaction fees on card spending
- Disposable virtual cards for security
- Comprehensive budgeting and analytics tools
Cons
- Free plan limits currency exchange to $1,000/month
- Customer support can be slow on free tier
- Crypto fees are 1.49% on Standard plan
- US banking features less competitive than domestic fintechs
- Interest rates on savings lag behind US competitors
- Premium features require paid subscription
Key Specifications
| Spec | Chime | Revolut |
|---|---|---|
| Rating | 4.3/5 | 4.3/5 |
| Pricing | Free | Free / £3.99+/month |
| Year Founded | 2012 | 2015 |
| Headquarters | San Francisco, CA | London, UK |
| Employees | 2,000+ | N/A |
| Overdraft Fee | $0 | N/A |
| Best For Region | United States | N/A |
| Early Direct Deposit | Yes | N/A |
Our Verdict
Chime wins overall. Choose Chime if you value Fee-conscious consumers. Choose Revolut if you prioritize Frequent international travelers.
Frequently Asked Questions
Is Chime better than Revolut?
Based on our testing, Chime scores higher with a rating of 4.3/5 compared to Revolut's 4.3/5. However, the best choice depends on your specific needs.
What is the main difference between Chime and Revolut?
Chime is known for: Fee-free mobile banking with early direct deposit and automatic savings features.. Revolut is known for: European fintech super-app with banking, crypto, stocks, and money transfers..
Which is cheaper, Chime or Revolut?
Chime pricing: Free. Revolut pricing: Free / £3.99+/month.
Can I use Chime and Revolut together?
While both tools serve similar purposes in the Fintech category, some users do use complementary features from both platforms.
What are the pros of Chime?
Completely fee-free checking and savings. Early direct deposit up to 2 days. SpotMe overdraft up to $200 with no fees
What are the pros of Revolut?
30+ currencies at interbank exchange rates. Send money to 160+ countries. Commission-free stock trading (plan dependent)
Which fintech should I choose?
Choose Chime if you value Fee-conscious consumers. Choose Revolut if you prioritize Frequent international travelers.