# Discover Mobile vs Chime®

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.

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.

## The numbers

| Metric | Discover Mobile | Chime® |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.9 (5.3M ratings)](https://appshunter.io/ios/app/discover-mobile/id338010821/reviews)** | [4.8 (1.7M ratings)](https://appshunter.io/ios/app/chime-mobile-banking/id836215269/reviews) |
| Number of ratings | **5.3M** | 1.7M |
| Positive reviews | **63.4% of reviews** | 61.4% of reviews |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | Fortnightly | **Weekly** |
| Monetization | **Free** | Ad-supported |
| Best chart rank | #117 | **#8** |
| Size | 190 MB | 278 MB |
| Requires iOS | **16.1** | 16.4 |
| Devices | **iPhone, iPad** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Discover Financial Services](https://appshunter.io/developer/338010824) | [Chime Financial, Inc.](https://appshunter.io/developer/836215272) |

## What reviewers say

### Discover Mobile

[App page](https://appshunter.io/ios/app/discover-mobile/id338010821)

**Currently charting:** #117 Top Free · Finance (US App Store)

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:** Apple Wallet, iMessage stickers

**In-app purchases:** none

**What reviewers like**

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

**What reviewers complain about**

- 🐛 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

**Reported bugs**

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

**Requested features**

- 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®

[App page](https://appshunter.io/ios/app/chime-mobile-banking/id836215269)

**Currently charting:** #8 Top Free · Finance, #104 Top Free (US App Store)

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:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

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

**What reviewers complain about**

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

**Reported bugs**

- Delayed check deposits
- Unexplained account closures
- Disappearing funds during transfers

**Requested features**

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


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*