Bank Jago vs Chime.
Bank Jago (B75/100) and Chime (C74/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. A close tie.
| B Bank Jago №22 · Full Indonesian banking licence 75 /100 | C Chime №23 · FDIC 74 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 75 /100 | 74 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 2.00% | Interbank |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Full bank | Partner-bank FDIC |
| Deposit guarantee Per depositor | €2,000,000,000 ID.LPS | $250,000 US.FDIC |
| 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 | 4.5 ★ iOS 4.6 · And 4.5 | 4.8 ★ iOS 4.8 · And 4.7 |
| Read review → | Read review → | |
Pick Bank Jago if…
Largest Indonesian neobank by users — ~9M Indonesians. OJK-regulated full bank, IDX-listed (ARTO). GoTo (Gojek + Tokopedia) major shareholder. Multi-pocket structure ('Jago Pockets'). Sharia-compliant Jago Syariah variant.
Pick Chime if…
Pick if you want a fee-free US daily-banking account with FDIC pass-through coverage and 60k fee-free ATMs.
- Best for fees Chime won 1 of 4
- Best for protection Bank Jago won 2 of 2
- Best for reach Tied
- Best for ux Chime won 2 of 2
Bank Jago vs Chime — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Bank Jago better than Chime?
Bank Jago and Chime are tied 3–3 across 12 dimensions under our v3 methodology. Composite scores: Bank Jago 75/100 vs Chime 74/100. The right pick depends on which dimension you weight most heavily.
Is Bank Jago or Chime cheaper?
Monthly fee — Bank Jago: €0; Chime: €0. Card FX markup — Bank Jago: 2.00%; Chime: Interbank. 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, Bank Jago or Chime?
Bank Jago holds a Full bank licence under Full Indonesian banking licence (OJK regulated); LPS member, IDR 2,000,000,000 cover per depositor per institution. IDX-listed (ARTO). // TODO(verify).; deposit guarantee per depositor: €2,000,000,000. Chime holds a Partner-bank licence under FDIC; deposit guarantee per depositor: $250,000. Bank Jago is the stronger pick on regulatory protection.
Where can I use Bank Jago and Chime?
Bank Jago operates in 1 country; Chime 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.