Chime
Banking with no hidden fees and fee-free overdraft
Mercury
Banking for startups
Updated February 2026
| Chime | Mercury | |
|---|---|---|
| Rating | 5.0★ | 4.5★ |
| Reviews | 3 | 52 |
| Pros | 0 | 13 |
| FactScore™ | 30.1 | 77.6 |
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 Mercury — Pros
Intuitive interface Startup-friendly features Easy account setup Responsive customer service Integrations with business tools No fees Seamless account management Virtual cards Support for startup community Treasury product Venture debt options Automated expense tracking Free international transfersOnly in Chime — Cons
—Both tools — Cons
—Only in Mercury — Cons
Unreliable service Slow support Account closure without warning Compliance issues Low card limits Slow fund availability High-yield interest accountsDetails
| Chime | Mercury | |
|---|---|---|
| Categories | Online banking, Neobanks, Money transfer | Online banking, Startup financial planning |
| Platforms | Web · iOS · Android | Web |
| Became Popular | January 12, 2016 | April 18, 2019 |
| Website | www.chime.com | www.mercury.com |
Who Should Pick Which?
Choose Chime if...
- No unique pros listed
Choose Mercury if...
- Intuitive interface
- Startup-friendly features
- Easy account setup
With a FactScore™ of 30.1 vs 77.6, Mercury leads in community reception. Chime uniquely offers No unique pros listed, while Mercury stands out for Intuitive interface and Startup-friendly features.
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
Mercury
From our first check to paying contractors, Mercury has had our back from the beginning. Rock solid banking services, and recently even started to offer sending out SAFE's. Not to mention the high-...
I remember opening a bank account with Wells Fargo for a business before Mercury existed. It involved phone calls, scanning signatures, and keeping track of paper. Mercury's onboarding was easy, al...
Related Comparisons
Frequently Asked Questions
Which is better, Chime or Mercury?
Based on FactScore™, Mercury leads with a score of 77.6 vs 30.1. Mercury has a higher rating of 4.5★ compared to 5.0★.
What are the pros of Chime compared to Mercury?
Chime uniquely offers: No unique pros listed.
What are the pros of Mercury compared to Chime?
Mercury uniquely offers: Intuitive interface, Startup-friendly features, Easy account setup, Responsive customer service, Integrations with business tools.
Is Chime better rated than Mercury?
Chime is rated 5.0★ from 3 reviews. Mercury is rated 4.5★ from 52 reviews.
What is the FactScore™ of Chime and Mercury?
FactScore™ weighs rating and review volume together. Chime scores 30.1 and Mercury scores 77.6.
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