Chime vs GoTyme.
Chime (C74/100) and GoTyme (G52/100), 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 GoTyme 5-0.
| C Chime №23 · FDIC 74 /100 | G GoTyme №65 · BSP 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 | 1.50% |
| 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 | 4.8 ★ iOS 4.8 · And 4.7 |
| 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 GoTyme if…
Joint venture between Tyme Group (South African digital-bank operator) and JG Summit Holdings (PH conglomerate). Fastest-growing PH neobank — ~6M customers in <4 years. Instant in-mall card-issuance via Robinsons Retail kiosks is a structural differentiator.
- 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 1 of 2
Chime vs GoTyme — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Chime better than GoTyme?
Under our v3 methodology, Chime leads GoTyme 5–0 across 12 dimensions. Composite scores: Chime 74/100 vs GoTyme 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 GoTyme cheaper?
Monthly fee — Chime: €0; GoTyme: €0. Card FX markup — Chime: Interbank; GoTyme: 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 GoTyme?
Chime holds a Partner-bank licence under FDIC; deposit guarantee per depositor: $250,000. GoTyme 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 GoTyme?
Chime operates in 1 country; GoTyme 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.