Chime vs Found.
Chime (C74/100) and Found (F69/100), 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 Found 4-0.
| C Chime №22 · FDIC 74 /100 | F Found №33 · FDIC 69 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 74 /100 | 69 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | Interbank | 1.00% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Partner-bank FDIC | Partner-bank FDIC |
| Deposit guarantee Per depositor | $250,000 US.FDIC | $250,000 US.FDIC |
| 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 | 4.7 ★ iOS 4.8 · And 4.6 |
| 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 Found if…
The tightest 1099-workflow loop in US neobanking — deposit lands → user-defined percentage auto-routes to a Taxes Pocket → quarterly tax estimator computes the federal liability → in-app federal payment closes the loop. Plus and Pro tiers add APY (1.50% capped at $20K / 2.50% uncapped) and Pro layers in 1% cashback on a metal debit card. Sponsor bank migrated from Piermont Bank to Lead Bank in October 2025 — legacy customers should verify their rails have moved.
- Best for fees Chime won 1 of 4
- Best for protection Tied
- Best for reach Tied
- Best for ux Chime won 2 of 2
Chime vs Found — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Chime better than Found?
Under our v3 methodology, Chime leads Found 4–0 across 12 dimensions. Composite scores: Chime 74/100 vs Found 69/100. 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 Found cheaper?
Monthly fee — Chime: €0; Found: €0. Card FX markup — Chime: Interbank; Found: 1.00%. 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 Found?
Chime holds a Partner-bank licence under FDIC; deposit guarantee per depositor: $250,000. Found holds a Partner-bank licence under FDIC; deposit guarantee per depositor: $250,000. Both score equally on regulatory protection rows.
Where can I use Chime and Found?
Chime operates in 1 country; Found 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.