Chime
Banking with no hidden fees and fee-free overdraft
Vivid
Free mobile banking that comes with a metal card
Updated February 2026
| Chime | Vivid | |
|---|---|---|
| Rating | 5.0★ | 2.5★ |
| Reviews | 3 | 2 |
| Pros | 0 | 0 |
| FactScore™ | 30.1 | 11.9 |
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 Vivid — Pros
No unique pros listedOnly in Chime — Cons
—Both tools — Cons
—Only in Vivid — Cons
—Details
| Chime | Vivid | |
|---|---|---|
| Categories | Online banking, Neobanks, Money transfer | Online banking, Neobanks |
| Platforms | Web · iOS · Android | Web |
| Became Popular | January 12, 2016 | June 19, 2020 |
| Website | www.chime.com | vivid.money |
Who Should Pick Which?
Choose Chime if...
- No unique pros listed
Choose Vivid if...
- No unique pros listed
With a FactScore™ of 30.1 vs 11.9, Chime leads in community reception. Chime uniquely offers No unique pros listed, while Vivid 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
Vivid
At one point it offered an ok, yet interesting product. As of now, conditions keep changing constantly, and I've been trying to close my account for over a week with no luck nor way of communicatin...
It's a great bank! I've been using it for over two years now. I am only disappointed that the cashback for Prime accounts is less and less valuable each month. I can't even have 10 euros back to co...
Frequently Asked Questions
Which is better, Chime or Vivid?
Based on FactScore™, Chime leads with a score of 30.1 vs 11.9. Chime has a higher rating of 5.0★ compared to 2.5★.
What are the pros of Chime compared to Vivid?
Chime uniquely offers: No unique pros listed.
What are the pros of Vivid compared to Chime?
Vivid uniquely offers: No unique pros listed.
Is Chime better rated than Vivid?
Chime is rated 5.0★ from 3 reviews. Vivid is rated 2.5★ from 2 reviews.
What is the FactScore™ of Chime and Vivid?
FactScore™ weighs rating and review volume together. Chime scores 30.1 and Vivid scores 11.9.
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