Atom Bank vs Chime
Atom Bank vs Chime, compared side by side on 18 data points: what each one does, how big it is, what it has raised, the tech running each site, and what users report. We score both out of 100 on traction, team and visibility: Atom Bank is on 60/100 and Chime on 77/100.
Where each one leads
Atom Bank
- agent readiness: 49/100 against 25/100
Chime
- our overall score: 77/100 against 60/100
- domain rating: 78/100 against 63/100
- headcount: 1,500 against 559
- funding raised: $13B against $176M
- LinkedIn following: 179,516 against 68,974
At a glance
| Measure | Atom Bank | Chime |
|---|---|---|
| What it is | A UK-based digital challenger bank. | Chime is a US neobank offering mobile-first banking services with no monthly fees, automated savings, and early paycheck access. |
| Category | Fintech, Banking, Neobank, Digital Payments | Fintech, Neobank, Digital Banking, Consumer Finance |
| Sells toBusiness model | B2C | B2C |
| Offering | Services | Software |
| Founded | 2013 | 2012 |
| Headquarters | Durham, United Kingdom | San Francisco, United States |
| Status | Active | Active |
Size, funding and growth
| Measure | Atom Bank | Chime |
|---|---|---|
| Employees | 559 | 1,500 |
| Headcount growthLast 12 months | Not published | +500.0% |
| Total funding | $176M | $13B |
| Latest round | Crowdfunding | Not published |
| Valuation | $397M | $25B |
| LinkedIn followers | 68,974 | 179,516 |
StartupHub scores
Our own 0-100 ratings. They measure company strength and site quality, not which product suits you.
| Measure | Atom Bank | Chime |
|---|---|---|
| StartupHub scoreOur 0-100 rating | 60/100 | 77/100 |
| Traction | 60/100 | 60/100 |
| Team | 60/100 | 60/100 |
| Community | Not published | 8/100 |
| Search visibility | 31/100 | 51/100 |
| Quality | 68/100 | 94/100 |
| Agent readinessHow well an AI agent can read and act on the site | D (49/100) | F (25/100) |
| Domain ratingLink authority, 0-100 | 63/100 | 78/100 |
Technology
Detected on each public site, so it reflects the marketing stack as well as the product.
| Measure | Atom Bank | Chime |
|---|---|---|
| CDN | Not detected | Cloudflare |
| Frameworks | Astro, Tailwind CSS | Not detected |
Atom Bank vs Chime: common questions
Which is better, Atom Bank or Chime?
On our 0-100 score Chime rates higher (77/100 against 60/100). The score weights traction, team, visibility and profile completeness, so it reflects company strength rather than which product suits you. We compare the two on 18 data points above: read the rows that match what you are buying for.
How do Atom Bank and Chime compare on the numbers?
Atom Bank leads on agent readiness (49/100 against 25/100). Chime leads on our overall score (77/100 against 60/100), domain rating (78/100 against 63/100), headcount (1,500 against 559), funding raised ($13B against $176M), LinkedIn following (179,516 against 68,974).
Read the full Atom Bank review and pricing or the Chime review and pricing. You can also browse other Atom Bank alternatives we track.