# Chime® vs Current

The clearest difference is ads: Current at none against Chime®'s shown. Current also leads on monetization model (free vs free with in-app purchases). Chime®'s advantage is ratings volume (1.6M vs 196K) and chart position (#8 vs #41). 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 — 4.8 for Chime® against 4.8 for Current. That said, the two scores are not equally well evidenced: Chime® has 1.6M ratings behind it against 196K, so its average is the more settled of the two. Written reviews are what separate them: 61% of Chime®'s written reviews are positive against 59% of Current's.

Chime® ships an update weekly, Current every 2 weeks. Both last shipped on September 25, 2026.

## The numbers

| Metric | Chime® | Current |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.8 (1.6M ratings)](https://appshunter.io/ios/app/chime-mobile-banking/id836215269/reviews) | [4.8 (196K ratings)](https://appshunter.io/ios/app/current-mobile-banking/id1077366211/reviews) |
| Number of ratings | **1.6M** | 196K |
| Positive reviews | **60.9% of reviews** | 59.2% of reviews |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | **Weekly** | Every 2 weeks |
| Monetization | Free with in-app purchases | **Free** |
| Best chart rank | **#8** | #41 |
| Size | 239 MB | 143 MB |
| Requires iOS | **15.1** | 17.0 |
| Devices | **iPhone, iPod** | iPhone |
| Age rating | 4+ | 12+ |
| Developer | [Chime Financial, Inc.](https://appshunter.io/developer/836215272) | [Finco Services, Inc.](https://appshunter.io/developer/1077366210) |

## What reviewers say

### Chime®

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

**Currently charting:** #8 Top Free · Finance, #120 Top Free (US App Store)

Manage your finances with tools for early payday access, fee-free overdraft protection, and credit building. This app offers a checking account with fee-free cash deposits and ATMs, plus automatic savings features and 24/7 support.

**Highlights:** Early payday access, Fee-free overdraft protection, Credit building tools, Automatic savings, Fee-free ATM access, Send money with no transfer fees

**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


### Current

[App page](https://appshunter.io/ios/app/current-mobile-banking/id1077366211)

**Currently charting:** #41 Top Free · Finance (US App Store)

Manage your finances with a mobile banking app that offers early direct deposit, fee-free overdrafts, and credit building tools. Earn cash back on purchases and interest on savings.

**Highlights:** Get paid up to 2 days early, Advance paycheck up to $750, Overdraft fee-free banking, Build credit while banking, Earn 1% cash back on dining/groceries, Earn up to 4.00% bonus on savings, Access 40,000+ fee-free ATMs

**Features:** Apple Wallet, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Early paycheck deposits
- 💳 Unique and stylish debit card design
- 💰 Competitive savings interest rates
- 🔒 Secure banking experience
- 💸 Helpful overdraft protection

**What reviewers complain about**

- 🕰️ Slow mobile check deposit process
- 🤖 Inconsistent and impersonal customer service
- 🔍 Difficulty resolving disputes and fraudulent charges
- 🔒 Security and account access issues
- 💳 Limitations on ATM withdrawals and card usage

**Reported bugs**

- Accounts being locked or suspended without explanation
- Funds disappearing from accounts with no recourse
- Recurring issues with mobile check deposits

**Requested features**

- Joint account and family management tools
- Expanded mobile check deposit limits
- Faster response times for customer support
- More transparent dispute resolution process
- Improved security and account recovery options


## Frequently asked questions

### Is Chime® free?

Chime® is free to download, with no in-app purchases.

### Is Current free?

Current is free to download, with no in-app purchases.

### Which has better reviews, Chime® or Current?

Chime® and Current are both rated 4.8 out of 5 on the App Store, from 1.6M and 196K ratings respectively.

### Do Chime® or Current have ads?

Chime® shows ads; Current does not.

### Which is updated more often, Chime® or Current?

Chime® ships an update weekly, and Current every 2 weeks. Most recently, Chime® was updated on September 25, 2026 and Current on September 25, 2026.

### Which is more popular, Chime® or Current?

Chime® currently peaks at #8 in the App Store charts, and Current at #41. 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.*