Chime
Banking with no hidden fees and fee-free overdraft
Wise
The universal way for you to manage money internationally.
Updated February 2026
| Chime | Wise | |
|---|---|---|
| Rating | 5.0★ | 4.8★ |
| Reviews | 3 | 13 |
| Pros | 0 | 10 |
| FactScore™ | 30.1 | 54.7 |
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 Wise — Pros
Easy to use Fast international transfers Low fees Seamless global payouts Desktop and mobile applications Digital banking Good customer service No hidden fees Obtain USA account Widely usedOnly in Chime — Cons
—Both tools — Cons
—Only in Wise — Cons
Account closure without notification Challenging document approval Debit card availability issues Government restrictions Transaction failure without notificationDetails
| Chime | Wise | |
|---|---|---|
| Categories | Online banking, Neobanks, Money transfer | Online banking, Money transfer |
| Platforms | Web · iOS · Android | Web · iOS · Android |
| Became Popular | January 12, 2016 | January 18, 2014 |
| Website | www.chime.com | www.wise.com |
Who Should Pick Which?
Choose Chime if...
- No unique pros listed
Choose Wise if...
- Easy to use
- Fast international transfers
- Low fees
With a FactScore™ of 30.1 vs 54.7, Wise leads in community reception. Chime uniquely offers No unique pros listed, while Wise stands out for Easy to use and Fast international transfers.
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
Wise
Wise helps us make payouts to creators around the world—fast, fair, and without hidden fees. Whether it’s USD to BDT or EUR to INR, Wise ensures our global payout system is seamless and creator-fir...
Very good solution, quick, widely used
super simple and easy to use
Related Comparisons
Frequently Asked Questions
Which is better, Chime or Wise?
Based on FactScore™, Wise leads with a score of 54.7 vs 30.1. Wise has a higher rating of 4.8★ compared to 5.0★.
What are the pros of Chime compared to Wise?
Chime uniquely offers: No unique pros listed.
What are the pros of Wise compared to Chime?
Wise uniquely offers: Easy to use, Fast international transfers, Low fees, Seamless global payouts, Desktop and mobile applications.
Is Chime better rated than Wise?
Chime is rated 5.0★ from 3 reviews. Wise is rated 4.8★ from 13 reviews.
What is the FactScore™ of Chime and Wise?
FactScore™ weighs rating and review volume together. Chime scores 30.1 and Wise scores 54.7.
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