Chime
Banking with no hidden fees and fee-free overdraft
N26
The Mobile Bank
Updated February 2026
| Chime | N26 | |
|---|---|---|
| Rating | 5.0★ | 1.0★ |
| Reviews | 3 | 12 |
| Pros | 0 | 0 |
| FactScore™ | 30.1 | 11.1 |
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 N26 — Pros
No unique pros listedOnly in Chime — Cons
—Both tools — Cons
—Only in N26 — Cons
Poor customer service Delayed responses Lack of transparency Frozen funds Account freezes Unexplained account closures Difficult account closure Fraud prevention issues App usability issues Identity verification delays Subscription issuesDetails
| Chime | N26 | |
|---|---|---|
| Categories | Online banking, Neobanks, Money transfer | Online banking, Neobanks, Money transfer |
| Platforms | Web · iOS · Android | Web · iOS · Android |
| Became Popular | January 12, 2016 | July 21, 2016 |
| Website | www.chime.com | n26.com |
Who Should Pick Which?
Choose Chime if...
- No unique pros listed
Choose N26 if...
- No unique pros listed
With a FactScore™ of 30.1 vs 11.1, Chime leads in community reception. Chime uniquely offers No unique pros listed, while N26 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
N26
I never thought a licensed European bank could behave like this. N26 blocked my account on 10 May 2025 without warning, without explanation, and with no access to my own money. All I’ve received si...
Ich habe mit N26 und ihrem Partner Upvest eine katastrophale Erfahrung gemacht,die mich über 7.400 € gekostet hat.Trotz mehrfacher Versuche,eine Klärung zu erreichen,verweigern beide Unternehmen je...
Voy a cerrar mi cuenta. Ya he sacado mi nómina de ahí. Me subscribí a cuenta metal y te dan de alta en un segundo. Solicité hace una semana la cancelación y todavía no me dan de baja. Servicio pési...
Related Comparisons
Frequently Asked Questions
Which is better, Chime or N26?
Based on FactScore™, Chime leads with a score of 30.1 vs 11.1. Chime has a higher rating of 5.0★ compared to 1.0★.
What are the pros of Chime compared to N26?
Chime uniquely offers: No unique pros listed.
What are the pros of N26 compared to Chime?
N26 uniquely offers: No unique pros listed.
Is Chime better rated than N26?
Chime is rated 5.0★ from 3 reviews. N26 is rated 1.0★ from 12 reviews.
What is the FactScore™ of Chime and N26?
FactScore™ weighs rating and review volume together. Chime scores 30.1 and N26 scores 11.1.
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