Chime vs Maya Bank.
Chime (C74/100) and Maya Bank (M50/100), 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 Maya Bank 6-0.
| C Chime №23 · FDIC 74 /100 | M Maya Bank №79 · BSP 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. BSP |
| Deposit guarantee Per depositor | $250,000 US.FDIC | Safeguarded PH.PDIC |
| 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 | 4.5 ★ iOS 4.5 · And 4.4 |
| 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 Maya Bank if…
Voyager Innovations digital bank arm — Philippines BSP digital banking licence (one of 6). Maya super-app heritage (formerly PayMaya, ~50M wallet users). Strongest super-app distribution among PH digital banks. PDIC cover.
- 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 Maya Bank — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Chime better than Maya Bank?
Under our v3 methodology, Chime leads Maya Bank 6–0 across 12 dimensions. Composite scores: Chime 74/100 vs Maya Bank 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 Maya Bank cheaper?
Monthly fee — Chime: €0; Maya Bank: €0. Card FX markup — Chime: Interbank; Maya Bank: 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 Maya Bank?
Chime holds a Partner-bank licence under FDIC; deposit guarantee per depositor: $250,000. Maya Bank holds a Payment inst. licence under BSP; deposit guarantee per depositor: Safeguarded. Chime is the stronger pick on regulatory protection.
Where can I use Chime and Maya Bank?
Chime operates in 1 country; Maya Bank 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.