Chipper Cash vs TymeBank.
Chipper Cash (C62/100) and TymeBank (T50/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. Chipper Cash leads TymeBank 7-0.
| C Chipper Cash №40 · FCA 62 /100 | T TymeBank №58 · SARB 50 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 62 /100 | 50 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 1.00% | 2.00% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | E-money inst. FCA | Payment inst. SARB |
| Deposit guarantee Per depositor | Safeguarded NG.NDIC | Safeguarded ZA.CODI |
| Reach | ||
| Markets served Licensed jurisdictions | 9 countries | 1 country |
| Crypto Coins available | 5 coins | No |
| Stocks & ETFs Self-directed | Yes | No |
| UX | ||
| Trustpilot Customer score | — | — |
| App store iOS + Android avg | 4.5 ★ iOS 4.4 · And 4.5 | 4.3 ★ iOS 4.4 · And 4.3 |
| Read review → | Read review → | |
Pick Chipper Cash if…
Pan-African EMI — operates in 9+ African countries + UK + US. Multi-jurisdiction licensing means no single full-bank protection. ~5M users. Backed by Bezos Expeditions, Tiger Global. Anchors the pan-African angle alongside Mukuru.
Pick TymeBank if…
First South African full-bank digital launch (2018). Tyme Group's flagship product — the same operator behind GoTyme (PH). Pick n Pay + Boxer in-store card kiosks differentiate vs. all-app competitors. SARB-regulated full bank, CODI ZAR 100,000 cover. ~9M ZA customers.
- Best for fees Chipper Cash won 1 of 4
- Best for protection Chipper Cash won 1 of 2
- Best for reach Chipper Cash won 3 of 3
- Best for ux Chipper Cash won 1 of 2
Chipper Cash vs TymeBank — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Chipper Cash better than TymeBank?
Under our v3 methodology, Chipper Cash leads TymeBank 7–0 across 12 dimensions. Composite scores: Chipper Cash 62/100 vs TymeBank 50/100. Chipper Cash is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Chipper Cash or TymeBank cheaper?
Monthly fee — Chipper Cash: €0; TymeBank: €0. Card FX markup — Chipper Cash: 1.00%; TymeBank: 2.00%. Chipper Cash 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, Chipper Cash or TymeBank?
Chipper Cash holds a E-money inst. licence under FCA; deposit guarantee per depositor: Safeguarded. TymeBank holds a Payment inst. licence under SARB; deposit guarantee per depositor: Safeguarded. Chipper Cash is the stronger pick on regulatory protection.
Where can I use Chipper Cash and TymeBank?
Chipper Cash operates in 9 countries; TymeBank 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.