Chime vs Nomo.
Chime (C74/100) and Nomo (N52/100), 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 Nomo 6-2.
| C Chime №23 · FDIC 74 /100 | N Nomo №68 · FCA 52 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 74 /100 | 52 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | Interbank | 1.00% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Partner-bank FDIC | Payment inst. FCA |
| Deposit guarantee Per depositor | $250,000 US.FDIC | Safeguarded GB.FSCS |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 2 countries |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | No | Yes |
| 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 Nomo if…
Sharia-compliant digital bank — Boubyan Bank Kuwait digital arm via Bank of London + The Middle East (BLME, FCA-licensed). Cross-border GCC-UK money management. UK FSCS GBP 85K + Kuwait DPS via parent. Unique dual-passport structure.
- Best for fees Chime won 1 of 4
- Best for protection Chime won 2 of 2
- Best for reach Nomo won 2 of 3
- Best for ux Chime won 2 of 2
Chime vs Nomo — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Chime better than Nomo?
Under our v3 methodology, Chime leads Nomo 6–2 across 12 dimensions. Composite scores: Chime 74/100 vs Nomo 52/100. 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 Nomo cheaper?
Monthly fee — Chime: €0; Nomo: €0. Card FX markup — Chime: Interbank; Nomo: 1.00%. 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 Nomo?
Chime holds a Partner-bank licence under FDIC; deposit guarantee per depositor: $250,000. Nomo holds a Payment inst. licence under FCA; deposit guarantee per depositor: Safeguarded. Chime is the stronger pick on regulatory protection.
Where can I use Chime and Nomo?
Chime operates in 1 country; Nomo operates in 2 countries. 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.