Chime
Banking with no hidden fees and fee-free overdraft
ZELF
Instant money in messengers
Updated February 2026
| Chime | ZELF | |
|---|---|---|
| Rating | 5.0★ | 3.3★ |
| Reviews | 3 | 3 |
| Pros | 0 | 2 |
| FactScore™ | 30.1 | 20 |
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 ZELF — Pros
Easy to use NFT supportOnly in Chime — Cons
—Both tools — Cons
—Only in ZELF — Cons
Account approval delays Crypto exchange limitations Customer support Identity verification issues Withdrawal limitationsDetails
| Chime | ZELF | |
|---|---|---|
| Categories | Online banking, Neobanks, Money transfer | Neobanks, Payment processors, Money transfer |
| Platforms | Web · iOS · Android | Web |
| Became Popular | January 12, 2016 | June 24, 2020 |
| Website | www.chime.com | zelf.co |
Who Should Pick Which?
Choose Chime if...
- No unique pros listed
Choose ZELF if...
- Easy to use
- NFT support
With a FactScore™ of 30.1 vs 20, Chime leads in community reception. Chime uniquely offers No unique pros listed, while ZELF stands out for Easy to use and NFT support.
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
ZELF
Great product and team.
Was never able to verify my identity and customer support didn't seem to understand what I needed help with. Issue never got fixed. My account is just sitting there, doing nothing... 😭 😭 😭
very simple to use but crypto exchange is not payable and withdraw is not available yet
Related Comparisons
Frequently Asked Questions
Which is better, Chime or ZELF?
Based on FactScore™, Chime leads with a score of 30.1 vs 20. Chime has a higher rating of 5.0★ compared to 3.3★.
What are the pros of Chime compared to ZELF?
Chime uniquely offers: No unique pros listed.
What are the pros of ZELF compared to Chime?
ZELF uniquely offers: Easy to use, NFT support.
Is Chime better rated than ZELF?
Chime is rated 5.0★ from 3 reviews. ZELF is rated 3.3★ from 3 reviews.
What is the FactScore™ of Chime and ZELF?
FactScore™ weighs rating and review volume together. Chime scores 30.1 and ZELF scores 20.
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