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Current

Current

US Mobile Banking

VS

Chime

US Fee-Free Banking

Chime
Fees from
Free basic; Premium $4.99/month vs Custom
Features

2 shared

Regions

1 shared

Pay methods

2 shared

2 unique to Current · 1 unique to Chime

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Show full specs
2 features · 5 payment methods · 1 regions. We don't rank these — they're here for reference.
Current Current
Chime Chime
Quick Facts
Fees
Standard transaction rate
Free basic; Premium $4.99/month
Custom
Settlement
Time to receive funds
3–5 business days
Same day
Founded
2015
2013
Headquarters
New York, US
San Francisco, California
Sandbox / Test Mode
—
—
Webhook Support
—
—
Features
Instant Payout
✓
✓
Low Fees
✓
✓
Payment Methods
Current leads (4 vs 3)
Ach Unique
✓
—
Bank Transfer Unique
—
✓
Debit Card
✓
✓
Direct Deposit
✓
✓
Visa Unique
✓
—
Regions
North America
✓
✓

Current is best when you...

US Mobile Banking
View Current

Chime is best when you...

US Fee-Free Banking
View Chime

Frequently Asked Questions

What is the difference between Current and Chime?
They share 2 payment methods and 1 region. Current adds ACH, Visa that Chime does not list; Chime adds Bank Transfer that Current does not list.
Which is cheaper, Current or Chime?
Current has published rates from Free basic; Premium $4.99/month; Chime has custom pricing quoted on engagement. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Current and Chime?
Current lists 1 region and 4 payment methods; Chime lists 1 and 3. both cover North America. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Current and Chime compare on integration and settlement?
Current settles in 3–5 business days, Chime in Same day.

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Data on this page is indicative and may be out of date — always verify fees, coverage, and terms directly with each provider before signing. Comparisons are generated from published data and provider-submitted updates; they are information, not advice or an endorsement. Some outbound links may earn us a referral commission — commissions never influence scores or rankings.

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