Chime

Banking with no hidden fees and fee-free overdraft

★★★★★ 5.0/5
FactScore™ 30.1
VS

Karsa

Get a virtual US bank account + save/spend dollars globally

★★★★☆ 4.0/5
FactScore™ 19.1

Updated February 2026

Chime Karsa
Rating 5.0★ 4.0★
Reviews 3 2
Pros 0 0
FactScore™ 30.1 19.1

FactScore™ Comparison

FactScore™ weighs both quality (rating) and popularity (reviews) for a fairer ranking than stars alone.

👑
30.1
Chime FactScore™
★ Chime wins on FactScore™
19.1
Karsa FactScore™

Pros & Cons

Only in Chime — Pros

No unique pros listed

Both tools — Pros

Only in Karsa — Pros

No unique pros listed

Only in Chime — Cons

Both tools — Cons

Only in Karsa — Cons

Details

Chime Karsa
Categories Online banking, Neobanks, Money transfer Neobanks, Money transfer
Platforms Web · iOS · Android Web · iOS · Android
Became Popular January 12, 2016 June 23, 2025
Website www.chime.com gokarsa.com

Who Should Pick Which?

Choose Chime if...

  • No unique pros listed

Choose Karsa if...

  • No unique pros listed

With a FactScore™ of 30.1 vs 19.1, Chime leads in community reception. Chime uniquely offers No unique pros listed, while Karsa stands out for No unique pros listed.

3

What Users Say

Chime

D
Don Feb 21, 2024
★★★★★

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.

A
Amy Jan 5, 2024
★★★★★

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...

W
William Jan 29, 2024
★★★★★

Great job, this is very powerful platform

Karsa

W
William Dec 17, 2025
★★★★★

IMO the fees on Karsa are extremely low compared to the rest of the market. This has allowed me to save (and spend!) more of my hard earned dollars.

N
Najiur Nov 5, 2025
★★★★☆

Easy Process for opening an account. Easy funding options.

Frequently Asked Questions

Which is better, Chime or Karsa?

Based on FactScore™, Chime leads with a score of 30.1 vs 19.1. Chime has a higher rating of 5.0★ compared to 4.0★.

What are the pros of Chime compared to Karsa?

Chime uniquely offers: No unique pros listed.

What are the pros of Karsa compared to Chime?

Karsa uniquely offers: No unique pros listed.

Is Chime better rated than Karsa?

Chime is rated 5.0★ from 3 reviews. Karsa is rated 4.0★ from 2 reviews.

What is the FactScore™ of Chime and Karsa?

FactScore™ weighs rating and review volume together. Chime scores 30.1 and Karsa scores 19.1.

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