Chime
Banking with no hidden fees and fee-free overdraft
Elevate Pay
USD accounts for remote professionals and freelancers
Updated February 2026
| Chime | Elevate Pay | |
|---|---|---|
| Rating | 5.0★ | 5.0★ |
| Reviews | 3 | 11 |
| Pros | 0 | 8 |
| FactScore™ | 30.1 | 54 |
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 Elevate Pay — Pros
Virtual card Easy to use Fast transactions Low fees Smooth online transactions USD accounts Apple Pay integration Competitive exchange ratesOnly in Chime — Cons
—Both tools — Cons
—Only in Elevate Pay — Cons
Physical card Customer support Delayed transactions Onboarding process Bugs on iOS Limited country availability Payment linksDetails
| Chime | Elevate Pay | |
|---|---|---|
| Categories | Online banking, Neobanks, Money transfer | Remote workforce tools, Online banking, Neobanks |
| Platforms | Web · iOS · Android | Web · iOS · Android |
| Became Popular | January 12, 2016 | June 9, 2024 |
| Website | www.chime.com | www.elevatepay.co |
Who Should Pick Which?
Choose Chime if...
- No unique pros listed
Choose Elevate Pay if...
- Virtual card
- Easy to use
- Fast transactions
With a FactScore™ of 30.1 vs 54, Elevate Pay leads in community reception. Chime uniquely offers No unique pros listed, while Elevate Pay stands out for Virtual card and Easy to use.
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
Elevate Pay
I've been using ElevatePay for almost 7 months now, and honestly, it has been such a relief. As a freelancer from Pakistan, getting payments used to be such a big hassle. It made me feel so stresse...
Great product and excellent service. I've experienced smooth online transactions from the start, and the simple UI makes it easy to track transaction status. However, the signup process was a bit t...
Excellent experience so far. Virtual Card works with Apple Pay. I receive payments from across the Globe without any trouble. Received payments from Apple Inc. within 24 hours. I hope Elevate Pay w...
Related Comparisons
Frequently Asked Questions
Which is better, Chime or Elevate Pay?
Based on FactScore™, Elevate Pay leads with a score of 54 vs 30.1. Elevate Pay has a higher rating of 5.0★ compared to 5.0★.
What are the pros of Chime compared to Elevate Pay?
Chime uniquely offers: No unique pros listed.
What are the pros of Elevate Pay compared to Chime?
Elevate Pay uniquely offers: Virtual card, Easy to use, Fast transactions, Low fees, Smooth online transactions.
Is Chime better rated than Elevate Pay?
Chime is rated 5.0★ from 3 reviews. Elevate Pay is rated 5.0★ from 11 reviews.
What is the FactScore™ of Chime and Elevate Pay?
FactScore™ weighs rating and review volume together. Chime scores 30.1 and Elevate Pay scores 54.
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