Discover Mobile vs Chime®
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- Account balance and transaction viewing
- Payment management and scheduling
- Rewards redemption
- FICO Credit Score access
- Account freezing
- Mobile check deposit
- Secure messaging
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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
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.
- Fee-free banking
- Early paycheck access
- Credit builder feature
- Cash back rewards
- Spot Me overdraft protection
- Fee-free ATM network
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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
Verdict
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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
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.
Discover Mobile ships an update fortnightly, Chime® weekly. Both last shipped on November 12, 2026.
| Parameter | Discover Mobile | Chime® |
|---|---|---|
| Price | Free | Free |
| Rating | 4.9 (5.3M ratings) — better | 4.8 (1.7M ratings) |
| Positive reviews | 63.4% of reviews — better | 61.4% of reviews |
| Number of ratings | 5.3M — better | 1.7M |
| Update frequency | Fortnightly | Weekly — better |
| Ads | No — better | Yes |
| In-app purchases | No | No |
| Monetization | Free — better | Ad-supported |
| Best chart rank | #117 | #8 — better |
| Devices | iPhone, iPad — better | iPhone |
| Requires iOS | 16.1 — better | 16.4 |
| Further details — not scored | ||
| Size | 190 MB | 278 MB |
| Age rating | 4+ | 4+ |
| Developer | Discover Financial Services | Chime Financial, Inc. |
Customer experience
Discover Mobile
Chime®
User reviews
Discover Mobile
From 5.3M App Store ratingsWhat 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 ratingsWhat 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
Discover Mobile
No in-app purchases
Chime®
No in-app purchases









