Chime vs Liv..
Chime (C74/100) and Liv. (L59/100), 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 Liv. 5-0.
| C Chime №23 · FDIC 74 /100 | L Liv. №53 · CBUAE 59 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 74 /100 | 59 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | Interbank | 1.50% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Partner-bank FDIC | E-money inst. CBUAE |
| Deposit guarantee Per depositor | $250,000 US.FDIC | Safeguarded AE.DPS |
| 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 4.2 |
| 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 Liv. if…
First UAE digital-only bank — Emirates NBD subsidiary launched 2017. Targets millennials with free account + lifestyle features. Direct AE DPS cover via parent's CBUAE charter — structurally cleaner than partner-bank competitors.
- Best for fees Chime won 1 of 4
- Best for protection Chime won 1 of 2
- Best for reach Tied
- Best for ux Chime won 2 of 2
Chime vs Liv. — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Chime better than Liv.?
Under our v3 methodology, Chime leads Liv. 5–0 across 12 dimensions. Composite scores: Chime 74/100 vs Liv. 59/100. 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 Liv. cheaper?
Monthly fee — Chime: €0; Liv.: €0. Card FX markup — Chime: Interbank; Liv.: 1.50%. 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 Liv.?
Chime holds a Partner-bank licence under FDIC; deposit guarantee per depositor: $250,000. Liv. holds a E-money inst. licence under CBUAE; deposit guarantee per depositor: Safeguarded. Chime is the stronger pick on regulatory protection.
Where can I use Chime and Liv.?
Chime operates in 1 country; Liv. 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.