Chime vs Step
Chime vs Step, 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: Chime is on 77/100 and Step on 59/100.
Where each one leads
Chime
- our overall score: 77/100 against 59/100
- domain rating: 78/100 against 61/100
- headcount: 1,500 against 274
- LinkedIn following: 179,516 against 12,698
Step
- agent readiness: 47/100 against 25/100
At a glance
| Measure | Chime | Step |
|---|---|---|
| What it is | Chime is a US neobank offering mobile-first banking services with no monthly fees, automated savings, and early paycheck access. | Gen Z-focused fintech app offering financial services for credit building, saving, and investing. |
| Category | Fintech, Neobank, Digital Banking, Consumer Finance | Fintech, Consumer, Neobank, Consumer App |
| Sells toBusiness model | B2C | B2C |
| Offering | Software | Software |
| Founded | 2012 | 2018 |
| Headquarters | San Francisco, United States | San Francisco, United States |
| Status | Active | Active |
Size, funding and growth
| Measure | Chime | Step |
|---|---|---|
| Employees | 1,500 | 274 |
| Headcount growthLast 12 months | +500.0% | Not published |
| Total funding | $13B | Not published |
| Valuation | $25B | $1.0B |
| LinkedIn followers | 179,516 | 12,698 |
StartupHub scores
Our own 0-100 ratings. They measure company strength and site quality, not which product suits you.
| Measure | Chime | Step |
|---|---|---|
| StartupHub scoreOur 0-100 rating | 77/100 | 59/100 |
| Traction | 60/100 | 57/100 |
| Team | 60/100 | 60/100 |
| Community | 8/100 | 15/100 |
| Search visibility | 51/100 | 22/100 |
| Quality | 94/100 | 68/100 |
| Agent readinessHow well an AI agent can read and act on the site | F (25/100) | D (47/100) |
| Domain ratingLink authority, 0-100 | 78/100 | 61/100 |
Technology
Detected on each public site, so it reflects the marketing stack as well as the product.
| Measure | Chime | Step |
|---|---|---|
| Hosting | Not detected | Google Cloud |
| CDN | Cloudflare | Not detected |
| Frameworks | Not detected | Next.js |
Chime vs Step: common questions
Which is better, Chime or Step?
On our 0-100 score Chime rates higher (77/100 against 59/100). 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 Chime and Step compare on the numbers?
Chime leads on our overall score (77/100 against 59/100), domain rating (78/100 against 61/100), headcount (1,500 against 274), LinkedIn following (179,516 against 12,698). Step leads on agent readiness (47/100 against 25/100).
Read the full Chime review and pricing or the Step review and pricing. You can also browse other Chime alternatives we track.