Chime
Banking with no hidden fees and fee-free overdraft
Cogni
Your money. Your lifestyle. One app
Updated February 2026
| Chime | Cogni | |
|---|---|---|
| Rating | 5.0★ | 1.0★ |
| Reviews | 3 | 2 |
| Pros | 0 | 0 |
| FactScore™ | 30.1 | 4.8 |
FactScore™ Comparison
FactScore™ weighs both quality (rating) and popularity (reviews) for a fairer ranking than stars alone.
Pros & Cons
Only in Chime — Pros
No unique pros listedBoth tools — Pros
—Only in Cogni — Pros
No unique pros listedOnly in Chime — Cons
—Both tools — Cons
—Only in Cogni — Cons
—Details
| Chime | Cogni | |
|---|---|---|
| Categories | Online banking, Neobanks, Money transfer | Online banking, Neobanks, Money transfer |
| Platforms | Web · iOS · Android | Web |
| Became Popular | January 12, 2016 | August 25, 2020 |
| Website | www.chime.com | getcogni.onelink.me |
Who Should Pick Which?
Choose Chime if...
- No unique pros listed
Choose Cogni if...
- No unique pros listed
With a FactScore™ of 30.1 vs 4.8, Chime leads in community reception. Chime uniquely offers No unique pros listed, while Cogni stands out for No unique pros listed.
What Users Say
Chime
I like the authentication of the app I can easily use my fingerprint to login instead of the password. Overall I love how it lets me know through notifications that my money is on the way.
Having a bad credit will mess up your life. I was in deep mess because I had a poor credit report and almost everything I applied for was turned down. I did my research and stumbled upon this geniu...
Great job, this is very powerful platform
Cogni
I wish I can give 0 stars. Not only they ask you to undertake long and complicated verification, but also when I linked my bank account and set a money transfer they somehow confused bank accounts ...
They are asking full social security number over the phone! Are you serious? Awful customer service who doesn't care at all about you. Application doesn't work 5 out of 10 logins.
Related Comparisons
Frequently Asked Questions
Which is better, Chime or Cogni?
Based on FactScore™, Chime leads with a score of 30.1 vs 4.8. Chime has a higher rating of 5.0★ compared to 1.0★.
What are the pros of Chime compared to Cogni?
Chime uniquely offers: No unique pros listed.
What are the pros of Cogni compared to Chime?
Cogni uniquely offers: No unique pros listed.
Is Chime better rated than Cogni?
Chime is rated 5.0★ from 3 reviews. Cogni is rated 1.0★ from 2 reviews.
What is the FactScore™ of Chime and Cogni?
FactScore™ weighs rating and review volume together. Chime scores 30.1 and Cogni scores 4.8.
Don't Get Fooled by Fake Social Media Videos
The world's first fact checker for social media. Paste any link and get an instant credibility score with sources.
Try FactCheckTool Free