Chime profile

Card activity, memberships and other disclosed financial services support its model.

Chime Financial, Inc.: USD 2.20 billion revenue in the year ended 2025-12-31. Net loss: USD 1.00 billion. Group/company figures. IPO-related stock compensation and payroll tax of $928 million heavily affected the 2025 loss.

About -45% of revenue as net loss in the rounded 2025 figures. IPO-related stock compensation and payroll tax of $928 million heavily affected the 2025 loss.

Chime Financial, Inc. is publicly listed. Its companywide stock-market value covers the wider group described below. Chime Financial is a listed technology company. Banking services are supplied by partners including The Bancorp Bank and Stride Bank, which are separate from owning the Chime app.

Card spending and broader financial services monetise recurring account use and member relationships.

Automated account and risk processes support the financial app. Its clearest consumer proposition is direct-deposit convenience and membership benefits rather than a general AI assistant.

Chime operates the technology platform; partner banks provide the relevant banking services.

Chime describes advertising and analytics disclosures using identifiers such as cookie IDs or hashed email information, alongside account-related processing.

Bank-partner arrangements, eligibility rules and support processes govern each product.

Check the named bank and current deposit requirements; compare benefits with how you actually receive and spend money.

Chime supplies the technology interface; named partner banks provide the covered banking services.

Chime describes advertising and analytics disclosures using identifiers such as cookie IDs or hashed email information, alongside account-related processing.

Direct-deposit convenience and reward tiers are useful features. Their value depends on the required deposits and the services actually used.

Check the named bank and current deposit requirements; compare benefits with how you actually receive and spend money.

Comparison priority: the complete account arrangement, deposit requirements and services used. A membership perk is valuable when its conditions fit your normal money flow.

Earlier access to eligible pay and membership perks reward making Chime a regular money destination.

Deposit notifications and transaction alerts keep the account close to everyday spending.

In-app deposit setup and integrated card services reduce administrative effort.

Referral rewards encourage existing members to bring friends into the same service.

Membership benefits depend on qualifying deposits, making a change in pay routing feel like losing perks.