Chime vs Current
Chime: Largest US neobank; 20M+ members; SpotMe overdraft.
Current: Everyday + teen banking; in-app crypto trading.
Side by side
| Chime | Current | |
|---|---|---|
| Category | traditional | traditional |
| Audience | general | general |
| HQ | San Francisco, US | New York, US |
| Founded | 2013 | 2015 |
| Custody | Custodial | Custodial |
| Regulation | Partner-bank model | Partner-bank model |
| Licence detail | Partner banks (The Bancorp, Stride) | Partner banks (Choice, Cross River) |
| Card | Visa · Debit | Visa · Debit |
| Cashback | — | Points |
| Yield | ~2% APY savings | ~4% savings pods |
| Stablecoins | No | No |
| KYC | Yes | Yes |
| Regions | North America | North America |
| Reported users | 22M members (2024) | — |
go deeperFull profiles: Chime · Current — or run your own comparison of up to four in the directory.
Figures compiled from public sources, for comparison only — not financial advice. "Up to" rates change constantly; always confirm with the issuer. Spotted an error? Suggest a fix.