Comparison

Chime® vs ebtEDGE

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

Head to head
About

Chime®

This financial app offers fee-free banking with features like early paycheck access and a credit builder. It helps your money grow with tools for savings and rewards. Enjoy convenient mobile banking with a focus on user benefits.

Highlights
  • Fee-free banking
  • Early paycheck access
  • Credit builder feature
  • Savings tools
  • Cash back rewards
  • Fee-free ATM access
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

ebtEDGE

Manage your SNAP and TANF benefits with ease. Check balances, review transaction history, and view deposit schedules. Securely access your accounts with fingerprint or facial recognition, and find nearby retailers.

Highlights
  • Check benefit balances
  • View transaction history
  • Review deposit history
  • Biometric login (Touch ID/Face ID)
  • Locate SNAP retailers
  • Set language preferences
Currently charting
Read full description

ebtEDGE mobile application simplifies your life when you depend on SNAP or TANF benefits allowing you to view your benefits at the touch of a finger. ebtEDGE allows you to check your balances, review your transaction history. If you have both SNAP and TANF benefits you will have access to view both benefits at the same time. • Free for cardholder use. • The most private and secure EBT application on the market. • If your phone supports Apple Touch ID, running iOS 11+ and you’ve registered your finger prints to your phone, simply touch the finger sensor on your IOS device, and quickly access the balance of your accounts. • If your phone supports Apple Face ID, running iOS 11+ and you’ve enrolled your face, quickly access the balance of your accounts by looking at your phone. • Securely login with User ID and Password. • View your deposit history. • View your transaction history. • View your benefit schedule. • Select a PIN. • Need help? We have plenty of that in the Help Center. • Locate SNAP retailers near your location or where you are going to with the location services. • Set your language preferences to English, Spanish or Haitian Creole. • New features around the corner… stay tuned…. ---------------------------------------------------------------------------- 1. Only certain devices are capable for either touch id or face id login. 2. For State SNAP or TANF cardholders with eligible cards. ---------------------------------------------------------------------------- Free for your use in the following states: Alaska, Arizona, California, Colorado, District of Columbia, Florida, Guam, Hawaii, Idaho, Illinois, Kansas, Kentucky, Massachusetts (WIC), Michigan, Minnesota, Missouri, Nebraska, Nevada, New Hampshire, New Mexico, New York, North Carolina, North Dakota, Oregon, Rhode Island, South Dakota, Tennessee, Utah (WIC), Vermont, Virgin Islands, Washington, West Virginia, Wisconsin and Wyoming.

Screenshots

Chime®4 screens
ebtEDGE4 screens

Verdict

The call

The clearest difference is review sentiment: Chime® at 61% against ebtEDGE's 12%. Chime® also leads on rating (4.8 vs 1.8) and update cadence (weekly vs every 2 months). ebtEDGE's advantage is ads (none vs shown) and monetization model (free vs ad-supported). On price 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

Chime® holds the better App Store score, 4.8 against 1.8. That said, the two scores are not equally well evidenced: Chime® has 1.6M ratings behind it against 4.6K, so its average is the more settled of the two. Written reviews point the same way: 61% of Chime®'s written reviews are positive against 12% of ebtEDGE's.

UpkeepUpdate frequency

Chime® ships an update weekly, ebtEDGE every 2 months. The most recent releases landed on November 5, 2026 and November 2, 2026 respectively.

Scorecard9 real differences · 2 level
Chime® versus ebtEDGE: the parameters behind the verdict, then further details
ParameterChime®ebtEDGE
PriceFreeFree
Rating4.8 (1.6M ratings) — better1.8 (4.6K ratings)
Positive reviews61.3% of reviews — better11.7% of reviews
Number of ratings1.6M — better4.6K
Update frequencyWeekly — betterEvery 2 months
AdsYesNo — better
In-app purchasesNoNo
MonetizationAd-supportedFree — better
Best chart rank#7 — better#97
DevicesiPhoneiPhone, iPad, iPod — better
Requires iOS16.412.0 — better
Further details — not scored
Size280 MB9 MB
Age rating4+4+
DeveloperChime Financial, Inc.FIS

Customer experience

Chime®

All ratings1,646,247 ratings
Positive95.9%
Neutral1.3%
Negative2.8%
Written reviews4,938 reviews
Positive61.3%
Neutral3.6%
Negative35.1%

ebtEDGE

All ratings4,183 ratings
Positive17.8%
Neutral3.7%
Negative78.5%
Written reviews571 reviews
Positive11.7%
Neutral4.7%
Negative83.5%

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

ebtEDGE

From 4.6K App Store ratings

What we love

  • 🚀 Easy to use
  • 🔒 Protects benefits from theft
  • 👍 Convenient features like freezing/unfreezing card

Room to improve

  • 🐛 Frequent crashes and login issues
  • 🔍 Registration and account recovery problems
  • ⚠️ Inconsistent and unreliable performance

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

ebtEDGE

Reported bugs

3 issues
  • App not loading or updating properly
  • Account information not displaying correctly
  • Inability to register or recover account

Requested features

3 requests
  • Biometric login support
  • Automatic balance alerts and notifications
  • Improved customer support and troubleshooting

In-app purchases

None

Chime®

No in-app purchases

None

ebtEDGE

No in-app purchases

Questions

Is Chime® free?
Chime® is free to download, with no in-app purchases.
Is ebtEDGE free?
ebtEDGE is free to download, with no in-app purchases.
Which has better reviews, Chime® or ebtEDGE?
Chime® is rated higher. Chime® averages 4.8 out of 5 from 1.6M ratings, while ebtEDGE averages 1.8 from 4.6K ratings.
Do Chime® or ebtEDGE have ads?
Chime® shows ads; ebtEDGE does not.
Which is updated more often, Chime® or ebtEDGE?
Chime® ships an update weekly, and ebtEDGE every 2 months. Most recently, Chime® was updated on November 5, 2026 and ebtEDGE on November 2, 2026.
Which is more popular, Chime® or ebtEDGE?
Chime® currently peaks at #7 in the App Store charts, and ebtEDGE at #97. Chart position reflects recent download velocity rather than total install base.

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