Grasshopper vs Chipper Cash.
Grasshopper (G72/100) and Chipper Cash (C62/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. Chipper Cash leads Grasshopper 4-3.
| C Chipper Cash №48 · FCA 62 /100 | G Grasshopper №29 · OCC 72 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 62 /100 | 72 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 1.00% | Interbank |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | E-money inst. FCA | Partner-bank OCC |
| Deposit guarantee Per depositor | Safeguarded NG.NDIC | $250,000 US.FDIC |
| Reach | ||
| Markets served Licensed jurisdictions | 9 countries | 1 country |
| Crypto Coins available | 5 coins | No |
| Stocks & ETFs Self-directed | Yes | No |
| UX | ||
| Trustpilot Customer score | — | — |
| App store iOS + Android avg | 4.5 ★ iOS 4.4 · And 4.5 | 4.2 ★ iOS 4.3 · And 4.0 |
| Read review → | Read review → | |
Pick Chipper Cash if…
Pan-African EMI — operates in 9+ African countries + UK + US. Multi-jurisdiction licensing means no single full-bank protection. ~5M users. Backed by Bezos Expeditions, Tiger Global. Anchors the pan-African angle alongside Mukuru.
Pick Grasshopper if…
The OCC-chartered US national bank for startups — the structural distinction from Mercury / Brex / Bluevine / Rho is that Grasshopper IS the bank. Direct FDIC cover at the chartered-bank level, multi-bank Cash Sweep extending to $25M. Free business checking with API access. The structural fit for US-incorporated startups wanting a real bank relationship rather than a partner-bank fintech.
- Best for fees Grasshopper won 1 of 4
- Best for protection Grasshopper won 1 of 2
- Best for reach Chipper Cash won 3 of 3
- Best for ux Chipper Cash won 1 of 2
Grasshopper vs Chipper Cash — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Chipper Cash better than Grasshopper?
Under our v3 methodology, Chipper Cash leads Grasshopper 4–3 across 12 dimensions. Composite scores: Chipper Cash 62/100 vs Grasshopper 72/100. Chipper Cash is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Chipper Cash or Grasshopper cheaper?
Monthly fee — Chipper Cash: €0; Grasshopper: €0. Card FX markup — Chipper Cash: 1.00%; Grasshopper: Interbank. Grasshopper 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, Chipper Cash or Grasshopper?
Chipper Cash holds a E-money inst. licence under FCA; deposit guarantee per depositor: Safeguarded. Grasshopper holds a Partner-bank licence under OCC; deposit guarantee per depositor: $250,000. Grasshopper is the stronger pick on regulatory protection.
Where can I use Chipper Cash and Grasshopper?
Chipper Cash operates in 9 countries; Grasshopper 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.