Chime vs Cleo
Chime vs Cleo, compared side by side on 19 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: Chime is on 77/100 and Cleo on 57/100.
Where each one leads
Chime
- our overall score: 77/100 against 57/100
- headcount: 1,500 against 656
- funding raised: $13B against $178M
- LinkedIn following: 179,516 against 67,712
Cleo
- agent readiness: 41/100 against 25/100
At a glance
| Measure | Chime | Cleo |
|---|---|---|
| What it is | Chime is a US neobank offering mobile-first banking services with no monthly fees, automated savings, and early paycheck access. | AI financial assistant for younger generations to manage money with personality. |
| Category | Fintech, Neobank, Digital Banking, Consumer Finance | Fintech, Consumer App, AI Chatbot, Conversational AI |
| Sells toBusiness model | B2C | B2C |
| Offering | Software | Software | platform |
| Founded | 2012 | 2016 |
| Headquarters | San Francisco, United States | London, United Kingdom |
| Status | Active | Active |
Size, funding and growth
| Measure | Chime | Cleo |
|---|---|---|
| Employees | 1,500 | 656 |
| Headcount growthLast 12 months | +500.0% | Not published |
| Total funding | $13B | $178M |
| Latest round | Not published | Convertible Note |
| Valuation | $25B | Not published |
| LinkedIn followers | 179,516 | 67,712 |
StartupHub scores
Our own 0-100 ratings. They measure company strength and site quality, not which product suits you.
| Measure | Chime | Cleo |
|---|---|---|
| StartupHub scoreOur 0-100 rating | 77/100 | 57/100 |
| Traction | 60/100 | 60/100 |
| Team | 60/100 | 60/100 |
| Community | 8/100 | 8/100 |
| Search visibility | 51/100 | 37/100 |
| Quality | 94/100 | 58/100 |
| Agent readinessHow well an AI agent can read and act on the site | F (25/100) | D (41/100) |
| Domain ratingLink authority, 0-100 | 78/100 | 71/100 |
Technology
Detected on each public site, so it reflects the marketing stack as well as the product.
| Measure | Chime | Cleo |
|---|---|---|
| CDN | Cloudflare | Cloudflare |
Chime vs Cleo: common questions
Which is better, Chime or Cleo?
On our 0-100 score Chime rates higher (77/100 against 57/100). 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 19 data points above: read the rows that match what you are buying for.
How do Chime and Cleo compare on the numbers?
Chime leads on our overall score (77/100 against 57/100), headcount (1,500 against 656), funding raised ($13B against $178M), LinkedIn following (179,516 against 67,712). Cleo leads on agent readiness (41/100 against 25/100).
Read the full Chime review and pricing or the Cleo review and pricing. You can also browse other Chime alternatives we track.