Chime is one of the most popular mobile banking apps available out there. The app allows you to keep your money safe with security features, get paid up to 2 days early with direct deposit, and has no hidden fees.
But Chime is not the only banking app available out there. So if you are looking for some of the best apps like Chime to enjoy mobile banking facilities, then I have got your back.
I have done deep research and picked up some of the best Chime alternatives. So let’s just quickly go ahead and check them out:
Best Apps Like Chime – Our Top Pick 👌👌
1. Cash App
At first, I have Cash App. This is one of the best apps like Chime available out there, trusted by millions of users.
With the help of the app, you will be able to send, spend, save and invest your money with a few simple steps. Also, the app is absolutely free and safe to use.
Talking about Cash App, it is a financial company and not a bank. But you can use the app to make payments instantly or receive funds from your friends.
The app lets you transfer money from the Cash app to your bank account instantly. Also, you can use your Cash app account and routing number to receive deposits.
It also offers you a completely free virtual visa debit card which you can use for online payments. Moreover, you can also invest in your favorite stocks right from the app for a really low commission. Also, getting started with the app is a straightforward job.
2. Varo Bank: Mobile Banking
Next, there is the Varo Bank. This one is the first all-digital bank that you can try out. With the help of this app, you will be able to instantly send money to any other Varo users. Also, it doesn’t have any monthly fees and minimums.
The highlighted feature of the bank is that it offers you a contactless Varo bank Via debit card as soon as you sign up on the app.
You can use the debit card for your online transactions. Moreover, you will also get access to 55,000+ fee-free Allpoint ATMs in stores like Target, CVS, and Walgreens.
Along with that, it also comes with some of the other interesting features. Such as you will be able to track your spending and account activity, link external accounts to see all your fiancés, you can get a cash advance of up to $100 by following a few simple steps, and so on.
3. Dave – Banking for humans
Dave is also one of the best apps like Chime. You can use the app to start balancing your budget. Plus, it offers you a bunch of other features.
One of the cool parts of the app is that you will be able to get an instant $1000 advance to cover your daily expenses.
Moreover, if you set up your Direct deposit with Dave, you will be able to get paid up to two days early. Also, take out a $200 advance without worrying about overdraft fees.
Even, you will be able to build your credit by using the app. As the app has partnered with LevelCredit, which lets you build your credit when you pay rents and utility bills on time.
Unlike other names, Dave does not have any hidden fees. Also, there are no minimum balance fees or overdraft fees. Also, it gives you access to over 30,000 fee-free ATMs with Money Pass.
Up next in our Apps Like Chime list, We have Venmo. This is one of the best mobile banking apps, which is fast, safe, and offers you tons of features.
The app lets you send and receive money. You can get paid for anything from your friends. Also, you can send money to your friends and family and attach a note to each payment. So you would know what the payment was for.
Moreover, it also offers you a Venmo Visa Credit Card. By using the card, you will be able to earn up to 3% cashback on your eligible top spend category. Also, you can use the card to shop any place that accepts visa credit cards.
Even if you have a business, you can also use Venmo. It lets you create a business profile so you can easily connect with your customers and get paid seamlessly. Moreover, you can also use the Venmo QR code to pay touch-free at stores like CVS.
5. Brigit: Get $250. When Needed.
Brigit is another best alternative to Chime. The app allows you to get up to $250 whenever you need cash. Also, it helps you to build your credit while saving. And it doesn’t require any approval, or it requires any interest or upfront deposits.
The app makes it easy for you to sign up and get easy money access. It doesn’t require you to go through any paperwork. Instead, just connect with your bank account, and you are good to go.
Also, it doesn’t have any interest or hidden fees, or it has any late penalties. Plus, Brigit’s basic account monitoring plan is free to use.
What’s more? You can get instant cash automatically in your account when your balance is low. So you don’t have to worry about overdraft fees.
In short, if you want cash advanced with no hidden fees or interests, then Brigit is defiantly something you need to check out.
6. Earnin: Get Cash Before Payday – Instant Money
Next, there is the Earnin. You can also use this app if you want to get cash advanced. The app offers you up to $100 per day and up to $500 per paycheck.
Also, the best part? It doesn’t really charge fees or interest, or there is any credit check. Just enter the amount you want, and Earnin will provide you.
Getting started with the app is also a straightforward process. All you need to do is connect your bank account where you want to get paid and add a debit card. Next, add the employer from where you get your paycheck and enter other details.
After that, they will verify your account and offer you a cash-out of up to $100 per day. Also, on payday, the app will debit your account.
Along with that, you can also use the Earnin Financial Calendar to track when you have recurring payments coming up.
7. Ally Mobile
You can also check out Ally Mobile. The app makes it extremely easy for you to get done with everyday banking and investing. The app is extremely fast, secure, and free to use. Also, it allows you to access your account quickly using Biometrics.
The best part of the app is that it supports a wide range of features. Such as, you will be able to deposit checks with Ally eCheck Deposit. Transfer money between Ally banks accounts and accounts at other banks.
You can also pay your bills easily and see scheduled payments and review payment history. Also, you can use Zelle to pay anyone with a U.S. bank account.
Moreover, you will be able to use buckets to organize your money and visualize what you are saving for. Also, you can set up boosters to optimize and maximize your savings.
However, the only drawback of the app is that you will need to have an account with Ally bank.
8. Wise (ex TransferWise)
Wise is something that you must check out if you deal with international transactions. The app is designed for travelers, immigrants, freelancers, and organizations that send or receive money across borders.
The app allows you to send money to over 80 countries. Also, it has a super low fee, and you will get a real exchange rate. Also, 50% of the transfers are instant or arrive within an hour.
Moreover, it also offers you a debit card to spend worldwide. As a result, you can spend or withdraw money in more than 200 countries. Also, you don’t need to have the local currency instead, the app will convert what you have with the lowest price.
Also, you can freeze and unfreeze your card and update your virtual card whenever you feel a need. Moreover, it also offers you your own U.K. account number and sort code, European IBAN, U.S. routing and account numbers, and more.
Paysend is yet another app that can be used for sending funds worldwide. The service is available in over 100 countries. Plus, it offers you an easy way to transfer money with low fees.m
Getting started with the app is pretty easy. Simply download the Paysend app and open your account online in minutes.
Along with that, it also offers you a fast transfer experience. So you don’t have to wait for days to complete an international transaction. Also, it allows you to move your money abroad to international bank accounts with zero transfer fees.
Moreover, the app also offers you a card 2 card transfer service. This allows you to directly send money to a credit, debit, or prepaid card for a flat fee of just £1, €1.5, or $2.
In short, you should definitely download the Paysend money transfer app if you are looking for an alternative way to send money internationally without high bank fees or slow queues.
10. N26 — The Mobile Bank
N26 is also one of the best apps like Chime that you can download. The app offers you full control over your money under single money. This one is Europe’s first 100% mobile bank.
The app doesn’t have any hidden bank fees, long queues, or requires any paperwork. Instead, download the app and open your account in just 8 minutes.
Also, it doesn’t have any ATM fees, or it has any requirement for any minimum account balance. Plus, there are no foreign transaction fees.
The app also gives you full control over your money and card. Like, you can instantly lock or unlock your card, reset your card PIN, set spending and withdrawal limits, and so on. Even it allows you to send money overseas in 38+ currencies with Wise.
Moreover, the banking service is also available in so many countries and regions worldwide. This includes Austria, Belgium, Denmark, Estonia, Finland, France, Germany, the US, Spain, and many more.
11. Starling Bank
Starling Bank is one of the best British banking apps available out there. However, the app requires you to be at least 16 years old and live at a UK address.
And if you do match the requirements, you will be able to enjoy features related to budgeting, payments, and other services.
The app helps you to analyze how your spend with spending insights. Also, it allows you to keep on top of your bills with 24 hours notice. Even, you can also connect to other money management tools through Starling Marketplace, such as Nutmeg and PensionBee.
Moreover, you can also use the app for making payments. Simply add a free connected card to your account. So someone else can shop on your behalf. Also, you will be able to send money to your friends or family.
Even, it also offers you easy international transfers to over 38 countries from your app. Also, it doesn’t have any hidden fees or exchange rate markups. Moreover, the app also allows you to deposit cheques digitally from your phone and pay in cash at the post office.
Next in our Apps Like Chime list, We have DailyPay. This one is one of the easy-to-use yet most secure ways to access your earned wages before payday. You can use the app to get cash advances when you need money the most.
The app also has a simple mechanism, as you work throughout the week, you build up a Pay balance. And you will be able to withdraw money from your pay balance at any time. So you can receive your funds instantly. Also, you will get your remaining pay on payday.
The app also offers you the option to transfer your pay balance to your bank account, debit card, prepaid card, or pay card. Also, it offers you timely insights into the daily pay balances you work.
Overall, if you are looking for a cash advanced app to pay bills or urgently need money, then DailyPay is defiantly something you need to check out.
You can also have a look at the EVEN. It offers you a bunch of tools that let you manage your money. Also, the app helps you to get paid early. You can request up to 50% of your next paycheck early. Plus, it offers you funds instantly.
The best part of the app is that it does not have any fees or hidden interests. Plus, it comes with saving features. You will be able to choose a percentage of each paycheck you want to save. And the app will add the funds into your savings.
Moreover, you can also adjust or transfer funds at any time. Plus, you will get to earn interest at 2x the national rate.
The app also detects your monthly expenses and gives you a daily, personalized snapshot of what is ok to spend.
Plus, you will get to track your work schedule and makes automatic updates after each shift. So you can easily see how much money you made per shift and per paycheck.
For my next pick, I have Payactiv. With the help of the app, you will get paid as you earn with employer participation. You can easily get the wages you have earned from hours you have already worked directly into your bank account or Payactiv card.
Also, you can use the funds to pay bills, get a ride or pick up cash at Walmart. It doesn’t have any interests or offer you any loan.
Use it to pay bills, get a ride, and pick up cash at Walmart. No loans, no interest–just your money, in your hands.
Along with that, the app also offers you a bunch of other features. Such as you can enjoy 2 days early deposit of your paycheck, up to 4 days early deposit of government payments. Also, you will get immediate access to wages you have earned.
Moreover, you can also receive funds from other members, sends funds using a phone number, and so on.
You can also use the app’s SmartSpend and SmartSave to track your spending habits. Also, you will get notified whenever you have a low balance.
Furthermore, the app doesn’t require a minimum balance, no overdrafts or it has any monthly or inactive fees. Plus, you will get to enjoy surcharge-free withdrawals at 37,000+ MoneyPass ATMs.
15. Empower: Instant Cash Advance & Early Payday
Lastly, there is the Empower. With the help of this app, you can get a Cash advance of up to $250 without any interest. Nor there are late fees or it makes you go through any credit checks.
Also, you will get paid up to 2 days faster. Simply set up paycheck deposits to Empower and you are all set.
Moreover, with this one, you will also be able to save money on the places where you shop regularly. Like restaurants, grocery stores, gas stations, and more. Also, it doesn’t offer you random offers instead quality deals every week.
Along with that, you will also get convenient access to over 37,000 ATM locations across the US. You can use the ATMs for cash withdrawal without any fees.
So those were some of the best apps like Chime that you can check out. Now go ahead and check these services out and see which one offers you the best features or fulfills your requirements. In case if you wish to ask anything else, then do comment below.