Neobank comparison
Compare Chime and ZEN side by side: fees, regulation, platforms.
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…
Best for cross-border shoppers
ZEN leans into rewards and multi-currency spending for cross-border shoppers, with a money-back guarantee tha…
| Feature | Chime | ZEN |
|---|---|---|
| Monthly fee | Free | Free |
| FX markup | 0% | 0% |
| Savings APY | 2% | - |
| Currencies | 1 | 32 |
| Card network | Visa | Mastercard |
| Deposit protection | FDIC up to 250,000 USD via The Bancorp Bank and Stride Bank | Safeguarded (Lithuanian EMI licence) |
| Regulators | - | - |
| Best for | Best for fee-free US banking | Best for cross-border shoppers |
| Markets & account | ||
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.
ZEN
ZEN leans into rewards and multi-currency spending for cross-border shoppers, with a money-back guarantee that few rivals match.
Confirm current fees and rates on the provider's site. T&Cs apply.
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