Chime vs Cora.
Chime (C74/100) and Cora (C51/100), 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 Cora 6-0.
| C Chime №23 · FDIC 74 /100 | C Cora №71 · BACEN 51 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 74 /100 | 51 /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 | Payment inst. BACEN |
| Deposit guarantee Per depositor | $250,000 US.FDIC | Safeguarded BR.FGC |
| 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 4.6 · And 4.5 |
| 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 Cora if…
Brazilian SMB neobank with the strongest working-capital credit-line product among BACEN payment institutions. Cora Crédito underwrites loans on bank-statement signal — same model as Mercado Crédito but without the marketplace-flow dependency. Free Conta PJ keeps customer-acquisition friction low; credit-line draws generate the revenue. Backed by ~$230M from Tiger Global, Greenoaks Capital, others. ~300K BR business accounts.
- 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 Cora — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Chime better than Cora?
Under our v3 methodology, Chime leads Cora 6–0 across 12 dimensions. Composite scores: Chime 74/100 vs Cora 51/100. 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 Cora cheaper?
Monthly fee — Chime: €0; Cora: €0. Card FX markup — Chime: Interbank; Cora: 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 Cora?
Chime holds a Partner-bank licence under FDIC; deposit guarantee per depositor: $250,000. Cora holds a Payment inst. licence under BACEN; deposit guarantee per depositor: Safeguarded. Chime is the stronger pick on regulatory protection.
Where can I use Chime and Cora?
Chime operates in 1 country; Cora 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.