“chime promos are a scam youll never get the money out of them not even 5 dollar promo”
Independent automated assessment · 3 signal sources · 2,865 reviews scanned · analyzed 2026-10-04.
4.7 ★1,124,417 ratings
10M+Downloads
4+Age rating
—App size
FreeIn-app purchases
About this app
Checking, without the fees. Chime's checking account has no monthly fees, free in-network cash deposits, free in-network ATM withdrawals⁵ Savings that grows automatically. Automatic savings tools plus a high-yield savings account² help you build a balance without thinking about it. A Chime Checking Account is required to open a savings account.
Build credit with everyday spending. The secured Chime Visa® Credit Card³ helps you build credit history through regular purchases and on-time payments. Late payments can negatively affect your credit score.
Get paid up to 2 days early. With direct deposit, Chime's MyPay gives you early access to your paycheck⁴ — up to $500. No interest charged, no credit check, and no mandatory fees to access funds within 24 hours (a $2 fee applies for instant funding).…
Preview
Real screenshots from the store listing.
Independent evidence report
Evidence and review signals
This is where the page changes from an app-store listing into an evidence report: findings, important reviews, pricing and a dated history.
Which version this describes
When we ran this analysis, and what the store lists now.
This analysis describes version 5.346.0 of the app, analyzed 2026-10-04 . The app may have changed since.
The store currently lists version 5.346.0, updated 2026-10-06.
What we measured
Each line is a measurement published as a measurement, never a verdict.
Each line is a measurement, published as a measurement. Where we have not looked, the line says so rather than reading as a zero.
Developer replies to reviews
Replies to at least 1 review in 20
Price in the store description
States a price and a billing period
Cancelling, in the store description
Does not say how to cancel
Themes reported by reviewers
3 or more themes reported
Counted from the reviews we have read for this app. "No theme reported" means no theme reached our reporting threshold — it is not a finding that nothing is wrong with this app, and we do not say it is.
Five-star share of ratings
80–89% five-star
Arithmetic on the stores' own published rating counts. It says nothing about why the ratings fall where they do.
In the package we scanned
No package has been scanned for this app, so nothing is published about what it ships. That is an absence of evidence about the app, not a finding about it.
Graded bands · predicate set 1.4 · how these are measured
What the analysis found
App-specific findings, grouped by what each one rests on. How they are graded lives on its own page.
Positive evidence 1
Things this app does right, published at the same strengths as the catch list.
Developer says data deletion can be requested
The developer's data-safety disclosure on the store states that users can request deletion of their data, or the app's own text offers a way to delete the account. This restates what the developer declares; it is not a test of whether deletion works. Apple publishes no equivalent disclosure, so on an Apple-only listing only the app's own text can support it.
What we saw: The developer's store data-safety disclosure states that data deletion can be requested; we have not seen a deletion control in the app's own text
One source only — shown, not confirmed 3
A single kind of evidence. We publish these because withholding them would be the bigger distortion, and we do not treat any of them as a finding we stand behind.
Reported by users: Tracking and data collection concerns
The app ships session-recording or a wide tracking stack, holds permissions that read personal data, or is reported by users to sell, leak or over-collect it. The evidence line says which of those was observed.
What we saw: Data & privacy concerns: raised by 8 distinct reviewers (0.3% of 2865 reviews scanned)
Reported by users: Reports that the ads misrepresent the app
Reviewers repeatedly report that the app is not what its advertising showed. We never see the ad creative itself, so nothing we collect can corroborate or refute this — it is published as an attributed user report: what reviewers say, and how many of them said it.
What we saw: Misleading advertising: raised by 7 distinct reviewers (0.2% of 2865 reviews scanned)
Reported by users: Reports of unexpected charges
A large number of reviewers report being charged when they did not expect it — including being charged after cancelling during a free trial, or when a trial turned into a paid plan without warning. We cannot see anyone's billing, so this is published as an attributed user report: what reviewers say, and how many of them said it.
What we saw: Surprise charges: raised by 35 distinct reviewers (1.2% of 2865 reviews scanned)
Highlighted reviews
Representative public review excerpts shown as user reports, not Appworthy audit evidence.
“best banking app I've ever used ! there is absolutely no reason to use any other banking app or banks when you have chime! I love it and am thankful ! no secret charges popping up or fees !”
Assessment & version history
App changes and Appworthy events in one timeline.
Store listing updated to version 5.346.0.
What this app sells
Useful store-disclosed pricing, kept below the app listing.
Business modelFree
Prices and terms as disclosed by the store listing.