Comparison

Chime® vs Apple Wallet

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

Head to head
About

Chime®

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
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.

About

Apple Wallet

Securely store and manage digital versions of your credit/debit cards, IDs, transit passes, tickets, and keys. Use it to make payments, send money, and access venues and transportation with your iPhone or Apple Watch.

Highlights
  • Store credit/debit cards
  • Digital driver's license/state ID
  • Transit and event tickets
  • Digital keys for car, home, hotel
  • Secure contactless payments
  • Send and receive money
Features
Read full description

The Wallet app lives right on your iPhone. It’s where you securely keep your credit and debit cards, eligible driver’s license or state ID, transit cards, keys, event tickets, and more — all in one place. And it all works with iPhone or Apple Watch, so you can take less with you but always bring more. Apple Pay Apple Pay is an easy, secure way to pay in stores or online.1 Pay for a ride, a pizza, or even a new sofa — with Touch ID or Face ID. Apple Card Apple Card is the credit card created by Apple. You earn up to 3% unlimited Daily Cash back on every purchase every day, and it’s designed with all the privacy and security you’d expect from Apple. You can apply in as little as minute with no impact to your credit score.2 Apple Cash Apple Cash is an easy and secure way to send and receive money in Messages or Wallet.3 And because it’s a digital card that lives in Wallet, you can use it to make purchases in stores, online, or in apps with Apple Pay. With Tap to Cash, you can send and receive Apple Cash simply by holding your iPhone near someone else’s iPhone — without having to share phone numbers. Driver’s License and State ID Add your eligible driver’s license or state ID to Wallet, and with just a tap of your iPhone or Apple Watch you can present your ID without handing over your device.4 The security of Face ID and Touch ID means only you can present your ID. Boarding Passes After you add your airline passes to Wallet, just show up at your gate and easily present your pass directly from your lock screen. And receive timely flight information and notifications along the way.5 Transit Set your card to Express Mode, then just tap and hop on to ride the next train or bus.5 Breeze through the turnstiles by holding your iPhone or Apple Watch to the reader. Sports & Live Events With Wallet, your tickets are always at the ready. Enter a concert venue, sports stadium or festival with just your iPhone or Apple Watch.5 Tickets in Apple Wallet now bring fans a richer experience including venue maps, recommended Apple Music playlists, and more. Keys Store keys to your car, home, workplace, and hotel room in Wallet.5 Unlock doors with just a tap of your iPhone or Apple Watch, and securely share keys in Wallet through messaging apps, including Messages, Mail, and more. Loyalty and Rewards Add your favorite coffee shop, drugstore, or retail rewards cards to Wallet, and next time you’re at checkout, just tap and pay to receive and redeem rewards.5 1 Apple Pay is a service provided by Apple Payments Services LLC, a subsidiary of Apple Inc. Neither Apple Inc. nor Apple Payments Services LLC is a bank. Any card used in Apple Pay is offered by the card issuer. 2 Accepting an Apple Card after your application is approved will result in a hard inquiry, which may impact your credit score. To access and use all Apple Card features and products available only to Apple Card users, you must add Apple Card to Wallet on an iPhone or iPad that supports and has the latest version of iOS or iPadOS. Apple Card is subject to credit approval, available only for qualifying applicants in the United States, and issued by Goldman Sachs Bank USA, Salt Lake City Branch. 3 Apple Cash services are provided by Green Dot Bank. Member FDIC. Apple Payments Services LLC, a subsidiary of Apple Inc., is a service provider of Green Dot Bank for Apple Cash accounts. Neither Apple Inc. nor Apple Payments Services LLC is a bank. To learn more about the  Terms and Conditions visit https://applecash.greendot.com/termsconditions. Only available in the U.S. on eligible devices. 4 ID cards in Wallet are currently available for use in select states at select TSA checkpoints. ID verifier is available at select merchants. Requires eligible device and OS version. See apple.com/wallet for details. 5 Only available with select partners and locations, and requires eligible device and OS version. See apple.com/wallet for details.

Screenshots

Chime®4 screens
Apple Wallet4 screens

Verdict

The call

The clearest difference is ads: Apple Wallet at none against Chime®'s shown. Apple Wallet also leads on monetization model (free vs free with in-app purchases) and ratings volume (7.4M vs 1.6M). Chime®'s advantage is update cadence (weekly vs every 3 months) and chart position (#9 vs unranked). On price, rating, review sentiment and in-app purchases 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 — 4.8 for Chime® against 4.8 for Apple Wallet. Both are backed by a comparable volume of ratings — 1.6M and 7.4M respectively. Written reviews are what separate them: 61% of Chime®'s written reviews are positive against 54% of Apple Wallet's.

UpkeepUpdate frequency

Chime® ships an update weekly, Apple Wallet every 3 months. Both last shipped on September 24, 2026.

Scorecard6 real differences · 5 level
Chime® versus Apple Wallet: the parameters behind the verdict, then further details
ParameterChime®Apple Wallet
PriceFreeFree
Rating4.8 (1.6M ratings)4.8 (7.4M ratings)
Positive reviews60.9% of reviews — better53.5% of reviews
Number of ratings1.6M7.4M — better
Update frequencyWeekly — betterEvery 3 months
AdsYesNo — better
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree — better
Best chart rank#9 — better
DevicesiPhone, iPodiPhone, iPod, Apple Watch — better
Requires iOS15.110.0 — better
Further details — not scored
Size239 MB9 MB
Age rating4+4+
DeveloperChime Financial, Inc.Apple

Customer experience

Chime®

All ratings1,595,777 ratings
Positive95.9%
Neutral1.3%
Negative2.8%
Written reviews4,568 reviews
Positive60.9%
Neutral3.7%
Negative35.3%

Apple Wallet

All ratings7,410,534 ratings
Positive94.3%
Neutral1.5%
Negative4.2%
Written reviews9,018 reviews
Positive53.5%
Neutral5.5%
Negative41.0%

User reviews

Chime®

From 1.6M 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

Apple Wallet

From 7.4M App Store ratings

What we love

  • 🚀 Convenient and easy to use
  • 🔒 Secure with Face ID/Touch ID
  • 💳 Integrates credit/debit cards well
  • 🎟️ Stores tickets and passes
  • 🏠 Stores digital keys and IDs

Room to improve

  • 🚫 Limited ability to add loyalty/membership cards
  • 🤔 Inconsistent card detection and adding
  • 💰 Unauthorized charges and payment issues
  • 🔍 Lack of customization options (nicknames, images)
  • 🇨🇦 Limited support for Canadian features

Bugs and requests

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

Apple Wallet

Reported bugs

4 issues
  • Card adding/removal issues
  • Transactions not properly recorded
  • Face ID/Touch ID failures
  • Wallet app freezing or not responding

Requested features

5 requests
  • Add ability to add loyalty/membership cards
  • Improve card detection and adding process
  • Provide better transaction history and categorization
  • Allow customization of card names and images
  • Expand support for international features (e.g. Presto card)

In-app purchases

None

Chime®

No in-app purchases

None

Apple Wallet

No in-app purchases

Questions

Is Chime® free?
Chime® is free to download, with no in-app purchases.
Is Apple Wallet free?
Apple Wallet is free to download, with no in-app purchases.
Which has better reviews, Chime® or Apple Wallet?
Chime® and Apple Wallet are both rated 4.8 out of 5 on the App Store, from 1.6M and 7.4M ratings respectively.
Do Chime® or Apple Wallet have ads?
Chime® shows ads; Apple Wallet does not.
Which is updated more often, Chime® or Apple Wallet?
Chime® ships an update weekly, and Apple Wallet every 3 months. Most recently, Chime® was updated on September 24, 2026 and Apple Wallet on September 24, 2026.

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