Neobank comparison
Compare bunq and Chime side by side: fees, regulation, platforms.
Best for savings interest
bunq blends a real banking licence with multi-currency holding and some of the best in-app interest in Europe…
Best for fee-free US banking
Chime strips fees out of everyday US banking and adds an early-payday and fee-free-overdraft safety net. It i…
| Feature | bunq | Chime |
|---|---|---|
| Monthly fee | EUR 3.99 | Free |
| FX markup | 0% | 0% |
| Savings APY | 2.46% | 2% |
| Currencies | 16 | 1 |
| Card network | Mastercard | Visa |
| Deposit protection | Dutch deposit guarantee (DGS) up to 100,000 EUR | FDIC up to 250,000 USD via The Bancorp Bank and Stride Bank |
| Regulators | - | - |
| Best for | Best for savings interest | Best for fee-free US banking |
| Markets & account | ||
bunq
bunq blends a real banking licence with multi-currency holding and some of the best in-app interest in Europe. The monthly fee is the trade-off for that protection and yield.
Confirm current fees and rates on the provider's site. T&Cs apply.
Chime
Chime strips fees out of everyday US banking and adds an early-payday and fee-free-overdraft safety net. It is built for domestic spenders, not travellers.
Confirm current fees and rates on the provider's site. T&Cs apply.
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