Comparison

Discover Mobile vs Chime®

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Discover Mobile

Manage your Discover credit card and bank accounts securely from anywhere. Check balances, view transactions, make payments, redeem rewards, and deposit checks. Access your FICO score and freeze your account for added security.

Highlights
  • Account balance and transaction viewing
  • Payment management and scheduling
  • Rewards redemption
  • FICO Credit Score access
  • Account freezing
  • Mobile check deposit
  • Secure messaging
Features
Currently charting
Read full description

You can manage your Discover credit card and bank accounts conveniently and securely from anywhere, using Discover’s Mobile App. Check your account balance, view your account info, make and edit payments, add your card into Apple Pay, manage your rewards, and more - all from your mobile device. FAST ACCOUNT ACCESS • Log in quickly with a 4-digit Passcode • Log in faster with Discover Touch ID, available for users with Discover passcode enabled on an eligible device – not supported on modified or jailbroken devices MANAGE YOUR DISCOVER CREDIT CARD ACCOUNT • Check your balance and available credit, and view or download monthly statements • View and search transaction activity • Make payments and edit or cancel pending payments • Redeem rewards, in any amount, as a statement credit towards your monthly bill, including your minimum payment due • Redeem rewards, in any amount, as an electronic deposit to your bank account • Redeem rewards for gift cards starting at only $5. Plus, get an added bonus on every card • Link your Discover card to your Amazon and PayPal accounts to make it easier to earn and pay with rewards for eligible purchases at checkout • View your FICO® Credit Score* for free and learn what it means to lenders *See FICO® Credit Score terms at Discover.com/FICO • Freeze or unfreeze your account to prevent new purchases, cash advances, and balance transfers • Add your card into Apple Pay to use for purchases in-store on eligible devices with iOS 9 • Send and receive messages from Discover Customer Service • View and edit your account profile • Activate a new card or report a current card as lost, stolen or misplaced • Use the Travel Notification feature to help ensure uninterrupted use of your card while traveling • Sign up to receive alerts about your account MANAGE YOUR DISCOVER BANK DEPOSIT ACCOUNT AND PERSONAL LOAN ACCOUNT • View account balances, summary and transaction history • Track account activity and schedule transactions • Transfer money • Pay bills • Deposit checks • Find ATMs - Nationwide ATMs available to use your Discover debit card • View statements • View and send secure messages • Make Personal Loan payments Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license. 

Mobile Privacy Statement: https://www.discover.com/privacy-statement 

 Mobile Terms of Use:  https://www.discover.com/credit-cards/help-center/discover-terms-of-use.html

About

Chime®

This mobile banking app offers fee-free banking and helps your money grow. Enjoy early paychecks, credit building tools, and cash back rewards. It's designed for easy, everyday financial management.

Highlights
  • Fee-free banking
  • Early paycheck access
  • Credit builder feature
  • Cash back rewards
  • Spot Me overdraft protection
  • Fee-free ATM network
Features
Read full description

Join America’s #1 Choice for Banking™ and the millions who already bank fee-free.⁵ With Chime, your money works harder from the moment it hits your account.

Screenshots

Discover Mobile4 screens
Chime®4 screens

Verdict

The call

The clearest difference is ads: Discover Mobile at none against Chime®'s shown. Discover Mobile also leads on monetization model (free vs ad-supported) and ratings volume (5.3M vs 1.7M). Chime®'s advantage is chart position (#8 vs #117). On price, rating, review sentiment and update cadence there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

On the App Store both sit at effectively the same score — 4.9 for Discover Mobile against 4.8 for Chime®. Both are backed by a comparable volume of ratings — 5.3M and 1.7M respectively. Written reviews are what separate them: 63% of Discover Mobile's written reviews are positive against 61% of Chime®'s.

UpkeepUpdate frequency

Discover Mobile ships an update fortnightly, Chime® weekly. Both last shipped on November 12, 2026.

Scorecard4 real differences · 7 level
Discover Mobile versus Chime®: the parameters behind the verdict, then further details
ParameterDiscover MobileChime®
PriceFreeFree
Rating4.9 (5.3M ratings) — better4.8 (1.7M ratings)
Positive reviews63.4% of reviews — better61.4% of reviews
Number of ratings5.3M — better1.7M
Update frequencyFortnightlyWeekly — better
AdsNo — betterYes
In-app purchasesNoNo
MonetizationFree — betterAd-supported
Best chart rank#117#8 — better
DevicesiPhone, iPad — betteriPhone
Requires iOS16.1 — better16.4
Further details — not scored
Size190 MB278 MB
Age rating4+4+
DeveloperDiscover Financial ServicesChime Financial, Inc.

Customer experience

Discover Mobile

All ratings5,243,129 ratings
Positive97.4%
Neutral1.4%
Negative1.3%
Written reviews4,324 reviews
Positive63.4%
Neutral5.7%
Negative30.9%

Chime®

All ratings1,654,442 ratings
Positive95.9%
Neutral1.3%
Negative2.8%
Written reviews4,988 reviews
Positive61.4%
Neutral3.6%
Negative35.0%

User reviews

Discover Mobile

From 5.3M App Store ratings

What we love

  • 👍 Excellent customer service
  • 🚀 Smooth and easy-to-use app
  • 💳 Great credit card with rewards
  • 🔒 Secure and reliable
  • 💳 Helpful for building credit

Room to improve

  • 🐛 App crashes and bugs
  • 🤖 Poor customer service and unresponsive to issues
  • 💳 Difficult to get credit limit increases
  • 💳 Unfair credit reporting practices
  • 💳 Holding funds hostage and difficult to access money

Chime®

From 1.7M App Store ratings

What we love

  • 🚀 Early paycheck
  • 💰 No overdraft fees
  • 👍 Easy to use app
  • 💳 Credit builder feature
  • 💳 Spot me feature

Room to improve

  • 🐛 Inconsistent direct deposit timing
  • 🤖 Poor chatbot support
  • 💳 Difficulty with card activation/replacement
  • 💰 Fees for cash deposits
  • 🤔 Unclear account closure policies

Bugs and requests

Discover Mobile

Reported bugs

3 issues
  • App crashes on launch for some users
  • Inconsistent behavior when scheduling payments
  • Incorrect credit score reporting and account information

Requested features

4 requests
  • Allow more than 3 weeks of transaction history in the app
  • Improve login process and Face ID/Touch ID functionality
  • Provide more transparency and control over account settings
  • Enhance international usage and support

Chime®

Reported bugs

3 issues
  • Delayed check deposits
  • Unexplained account closures
  • Disappearing funds during transfers

Requested features

4 requests
  • Instant transaction updates
  • Option to choose credit builder amount
  • Temporary card for emergencies
  • Physical bank branches

In-app purchases

None

Discover Mobile

No in-app purchases

None

Chime®

No in-app purchases

Questions

Is Discover Mobile free?
Discover Mobile is free to download, with no in-app purchases.
Is Chime® free?
Chime® is free to download, with no in-app purchases.
Which has better reviews, Discover Mobile or Chime®?
Discover Mobile is rated higher. Discover Mobile averages 4.9 out of 5 from 5.3M ratings, while Chime® averages 4.8 from 1.7M ratings.
Do Discover Mobile or Chime® have ads?
Chime® shows ads; Discover Mobile does not.
Which is updated more often, Discover Mobile or Chime®?
Discover Mobile ships an update fortnightly, and Chime® weekly. Most recently, Discover Mobile was updated on November 12, 2026 and Chime® on November 12, 2026.
Which is more popular, Discover Mobile or Chime®?
Discover Mobile currently peaks at #117 in the App Store charts, and Chime® at #8. Chart position reflects recent download velocity rather than total install base.

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