Chime vs Qonto

SAP Concur

Abby

Revolut Business

FraudNet

Interact

Alkami Platform

Compare Chime and Qonto based on features, pricing, verified reviews, integrations & more on GetApp. Find out which software is best for your business in 2026.

The Alkami Platform provides financial institutions a complete digital banking solution to securely onboard, engage, & grow retail & business users for banks & credit unions. Clients set the pace of innovation with customized user experiences via our platform & extensive fintech partner ecosystem.


FraudNet offers an enterprise-level AI fraud detection platform that helps businesses detect and prevent over six hundred fraud schemes in real-time. The system combines entity screening, continuous monitoring, and transaction protection with advanced machine learning models and intelligent risk decisioning. FraudNet serves multiple industries including payments, financial services, fintechs, and commerce with customizable solutions that adapt to specific business needs.

Xobin is a glitch-free online assessment platform. Conduct Pre Employment Skills Assessments, Psychometric Assessments and Job Tests using Xobin. Choose from an Assessment Library of over 800+ Pre-Built Tests and 30,000+ Questions and automate screening and shortlisting.

Chime is a mobile banking software designed to help teams and individuals streamline tax returns, unemployment benefits, paycheck deposits, and government stimulus payouts. It lets users track account balances and daily transactions, receive balance notifications and transaction alerts, and send money to friends and family.

ACH Payment Processing

Alerts/Escalation

Authentication

Bill Payment

Cash Management

Chat/Messaging

Compliance Management

Credit Card Management

Credit Card Processing

Digital Wallet

Electronic Funds Transfer

Electronic Payments

Electronic Statements

Mobile Access

Mobile Alerts

Multi-Currency

Online Banking

Real-Time Monitoring

Remote Deposit

Retail Banking

Secure Data Storage

Secure Login

Third-Party Integrations

Transaction History

Transaction Monitoring

Two-Factor Authentication

Chime

Web-based

Call center

I love the app overall, it’s a great way to manage your checking & savings while also building your credit, it’s a great & affordable way to control & oversee finances into great credit health.

Customer Support

It has saved me a few times. I believe they have options to help build or improve your credit as well.

Housekeeper

I like the authentication of the app I can easily use my fingerprint to login instead of the password. Overall I love how it lets me know through notifications that my money is on the way.

You can get paid up to 2 days early with chime and they have cool bonuses if you get a friend to sign up. Chime support is also very good and understanding when you go to them if you have any issues.

Owner

Ease of use and at beginning they were very nice and professional upon setup.

Student

I like that I could still have a checking and savings account with Chime. It was just like a regular bank account, but online.

Welder

The ease and integration of the credit builder checking and saving and external accounts also spot me feature is extremely easy and seemless and extremely useful.

Cleaner

My overall experience was amazing and I'm still having chime to this day and I will continue to be use it.

Own boss

This is one of the best mobile banking great bonuses.

I love that I can always access my money anytime if needed and always a customer service agent willing to help with issues.

Overall poor experience. It was the opposite of user-friendly.

I love everything except the overdraft part but other than that I love the authenticity of it and how my money is supposed to be ran.

Researcher

Ease of use and tools you can use to track your credit.

Professional Liability Claims Representative at Sedgwick

No actual physical locations to use. Everything has to be online.

Really no one to call for minor issues. It’s all done through chat.

OWNER

I LIKE THAT WHEN EVER A PROBLEM ARISES HOW QUICKLY CUSTOMER SERVICE IS TO STRAIGHTEN IT OUT. I LIKE THAT YOU CAN GET YOUR PAY TWO DAYS AHEAD.

Tester

I like the least about chime, that no matter what i did or how long i kept the account i lost money but nobody could tell me where it was going.

small business owner (Etsy)

It allows the user to get paid early, helps to control credit, and integrates a checking type account with a credit type account in a mobile app.

Chime screenshot: Chime build credit

Chime screenshot: Chime ATM map

Chime screenshot: Chime credit card settings

Chime screenshot: Chime pay or request

Freelancers

Large Enterprises

Small Business

Revolut Business is designed to streamline your business operations. Scale — and save — with multi-currency accounts, company cards, spend management tools, seamless integrations, and more. Join the hundreds of thousands of businesses worldwide who use Revolut Business to expand with ease.

Abby helps businesses ensure that customer documents are legal and comply with the rules. Customers can pay online and receive reminders for late payments.


SAP Concur is a leading cloud-based spend management solution that helps small, medium, and large businesses automate and simplify expense reporting, travel booking, and invoice processing. It’s designed to give organizations better control over their business spend by integrating near real-time data and using AI to audit 100% of transactions.

Qonto is the leading European business finance solution with over 450,000 customers.
The company makes day-to-day banking easier for SMEs and freelancers by offering an online business account combined with finance tools, such as invoicing, bookkeeping, and spend management.

Accounting

Activity Dashboard

ATM Management

Cash Flow Management

Core Banking

Corporate Banking

Corporate Card

Customer Experience Management

Document Storage

Expense Tracking

Financial Management

Fraud Detection

Investment Banking

Invoice Management

Monitoring

Real-Time Data

Real-Time Notifications

Reporting & Statistics

Securities Management

User Management

Qonto

Android

Linux

Windows

iPad

iPhone

The interface is beautiful and fluid — one of the most elegant neobank apps on the market. Daily tasks like viewing balances, sending payments, and managing cards are pleasant and intuitive.

The app’s polish hides structural weaknesses and an unprofessional attitude in handling complex cases.

Developer, admin

Perfect UI, perfect API, a lot of new features to make a all in one solution for bank and invoicing for small and medium company.

They apologize but the only solution is to reconstruct everything and pay an additional external service. Ridiculously irrespectful and costly.

At first I was enthusiastic and moved my three companies to Qonto — it looked like the ideal digital bank for entrepreneurs.

Solutionnist

Among many great thngs, I do love how simple it is to open new bank accounts for the same user account.

I choose banking as a service to save money; I have a digital company, I minimize my costs and Qonto is a great answer to my needs.

Support is efficient, the app is efficient and well secured. It is easy to keep tracks on payment notes, payment delays are quicker than in physical banks and the whole solution is very hepful.

No respect for consumers. The worst experience in my entrepreneur life.

It’s also one of the few French fintechs that accepts U.S. citizens, which was a major advantage for my professional use.

The user experience is way better than with Wise or Getpenta.

The only thing I regret is that is impossible to sync Qonto with eshops (Woocommerce & co) or to edit payment links without using another solution.

Pleased with the product, invoicing works well, easy to integrate with other third parties, maybe the pricing per user is too expensive though.

Chime vs Qonto Comparison (2026)

Chime

Qonto

Overview

Video & Screenshots

Pricing

User reviews

Key features

Integrations

Alternatives