Chime vs Revolut
By Itai Varochik | Updated 2026
Quick Verdict
Overall Winner: Revolut (4.3/5)
We tested Chime and Revolut side-by-side. Revolut comes out ahead overall, but Chime may be better for specific use cases.
Score Breakdown
| Criteria | Chime | Revolut |
|---|---|---|
| Features | 7.5/10 | 4.6/10 |
| Ease of Use | 9/10 | 4.3/10 |
| Value for Money | 9.5/10 | 4.4/10 |
| Customer Support | 7/10 | 3.8/10 |
| Overall | 8/10 | 4.3/10 |
Feature Comparison
| Feature | Chime | Revolut |
|---|---|---|
| Spending Account | Yes | No |
| Savings Account | Yes | No |
| Early Deposit | Yes | No |
| SpotMe | Yes | No |
| Round Ups | Yes | 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: No fees
Revolut: Free / £3.99+/month
Chime Pros & Cons
Pros
- Zero monthly fees, zero overdraft fees
- No minimum balance requirement
- Early direct deposit (up to 2 days)
- Automatic savings features (Round Ups, Save When I Get Paid)
- SpotMe: fee-free overdraft up to $200
Cons
- No physical branches anywhere
- Limited ATM network outside Allpoint
- No joint accounts available
- Savings APY is lower than SoFi
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 | 4.2/5 | 4.3/5 |
| Pricing | No fees | Free / £3.99+/month |
| Year Founded | N/A | 2015 |
| Headquarters | N/A | London, UK |
| Best For Region | United States | N/A |
| Overdraft Fee | $0 (SpotMe up to $200) | N/A |
| Early Direct Deposit | Yes (up to 2 days) | N/A |
| Bank Charter | No (partner banks) | N/A |
Our Verdict
Revolut wins overall. Choose Chime if you value Fee-averse consumers tired of bank charges. Choose Revolut if you prioritize Frequent international travelers.
Frequently Asked Questions
Is Chime better than Revolut?
Based on our testing, Revolut scores higher with a rating of 4.3/5 compared to Chime's 4.2/5. 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.. Revolut is known for: European fintech super-app with banking, crypto, stocks, and money transfers..
Which is cheaper, Chime or Revolut?
Chime pricing: No fees. Revolut pricing: Free / £3.99+/month.
Can I use Chime and Revolut together?
While both tools serve similar purposes in the Digital Banks category, some users do use complementary features from both platforms.
What are the pros of Chime?
Zero monthly fees, zero overdraft fees. No minimum balance requirement. Early direct deposit (up to 2 days)
What are the pros of Revolut?
30+ currencies at interbank exchange rates. Send money to 160+ countries. Commission-free stock trading (plan dependent)
Which digital banks should I choose?
Choose Chime if you value Fee-averse consumers tired of bank charges. Choose Revolut if you prioritize Frequent international travelers.