SoFi vs Chime

traditional vs traditional · from the open dataset of 357 tracked neobanks · no affiliate links, ever

SoFi: Bank charter; launched SoFiUSD stablecoin Dec 2025.

Chime: Largest US neobank; 20M+ members; SpotMe overdraft.

Side by side

	SoFi	Chime
Category	traditional	traditional
Audience	general	general
HQ	San Francisco, US	San Francisco, US
Founded	2011	2013
Custody	Custodial	Custodial
Regulation	Licensed bank	Partner-bank model
Licence detail	National bank charter (2022)	Partner banks (The Bancorp, Stride)
Card	Visa/MC · Debit	Visa · Debit
Cashback	—	—
Yield	Up to ~4.5% APY (tiers)	~2% APY savings
Stablecoins	Yes	No
KYC	Yes	Yes
Regions	North America	North America
Reported users	—	22M members (2024)

go deeperFull profiles: SoFi · Chime — 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.