Chime vs TymeBank.
Chime (C74/100) and TymeBank (T50/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. Chime leads TymeBank 6-0.
| C Chime №23 · FDIC 74 /100 | T TymeBank №73 · SARB 50 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 74 /100 | 50 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | Interbank | 2.00% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Partner-bank FDIC | Payment inst. SARB |
| Deposit guarantee Per depositor | $250,000 US.FDIC | Safeguarded ZA.CODI |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 1 country |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | No | No |
| UX | ||
| Trustpilot Customer score | 4.0 ★ 25k reviews | — |
| App store iOS + Android avg | 4.8 ★ iOS 4.8 · And 4.7 | 4.3 ★ iOS 4.4 · And 4.3 |
| Read review → | Read review → | |
Pick Chime if…
Pick if you want a fee-free US daily-banking account with FDIC pass-through coverage and 60k fee-free ATMs.
Pick TymeBank if…
First South African full-bank digital launch (2018). Tyme Group's flagship product — the same operator behind GoTyme (PH). Pick n Pay + Boxer in-store card kiosks differentiate vs. all-app competitors. SARB-regulated full bank, CODI ZAR 100,000 cover. ~9M ZA customers.
- Best for fees Chime won 1 of 4
- Best for protection Chime won 2 of 2
- Best for reach Tied
- Best for ux Chime won 2 of 2
Chime vs TymeBank — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Chime better than TymeBank?
Under our v3 methodology, Chime leads TymeBank 6–0 across 12 dimensions. Composite scores: Chime 74/100 vs TymeBank 50/100. Chime is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Chime or TymeBank cheaper?
Monthly fee — Chime: €0; TymeBank: €0. Card FX markup — Chime: Interbank; TymeBank: 2.00%. Chime wins more fee rows (1 of 4). See the Fees section of the matrix above for ATM caps and the rest.
Which is safer for deposits, Chime or TymeBank?
Chime holds a Partner-bank licence under FDIC; deposit guarantee per depositor: $250,000. TymeBank holds a Payment inst. licence under SARB; deposit guarantee per depositor: Safeguarded. Chime is the stronger pick on regulatory protection.
Where can I use Chime and TymeBank?
Chime operates in 1 country; TymeBank operates in 1 country. Check each provider's signup page for the live country list — eligibility depends on residency, not just the licence footprint.
Want a 3- or 4-way comparison?
The dynamic compare picker handles up to four banks. Add this pair plus one or two more and we'll resolve every row.