Neobank comparison
Compare Chime and Monese 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 newcomers without local credit history
Monese earns its place as an entry account for new arrivals who cannot yet pass a traditional bank's checks, …
| Feature | Chime | Monese |
|---|---|---|
| Monthly fee | Free | Free |
| FX markup | 0% | 2.50% |
| Savings APY | 2% | - |
| Currencies | 1 | 3 |
| Card network | Visa | Mastercard |
| Deposit protection | FDIC up to 250,000 USD via The Bancorp Bank and Stride Bank | Safeguarded (FCA-authorised e-money) |
| Regulators | - | - |
| Best for | Best for fee-free US banking | Best for newcomers without local credit history |
| 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.
Monese
Monese earns its place as an entry account for new arrivals who cannot yet pass a traditional bank's checks, with multi-currency basics built in from day one.
Confirm current fees and rates on the provider's site. T&Cs apply.
Line up any two accounts side by side, or browse the full list to find your next platform.