Chime vs Upgrade
Chime vs Upgrade, 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 Upgrade on 62/100.
Where each one leads
Chime
- our overall score: 77/100 against 62/100
- headcount: 1,500 against 16
- funding raised: $13B against $871M
- LinkedIn following: 179,516 against 58
Upgrade
- agent readiness: 51/100 against 25/100
At a glance
| Measure | Chime | Upgrade |
|---|---|---|
| What it is | Chime is a US neobank offering mobile-first banking services with no monthly fees, automated savings, and early paycheck access. | Consumer credit and mobile banking platform offering personal loans, credit cards, and checking accounts. |
| Category | Fintech, Neobank, Digital Banking, Consumer Finance | Fintech, Lending, Neobank, Credit Cards |
| Sells toBusiness model | B2C | B2C |
| Offering | Software | Platform |
| Founded | 2012 | 2016 |
| Headquarters | San Francisco, United States | San Mateo, United States |
| Status | Active | Active |
Size, funding and growth
| Measure | Chime | Upgrade |
|---|---|---|
| Employees | 1,500 | 16 |
| Headcount growthLast 12 months | +500.0% | Not published |
| Total funding | $13B | $871M |
| Valuation | $25B | $6K |
| LinkedIn followers | 179,516 | 58 |
StartupHub scores
Our own 0-100 ratings. They measure company strength and site quality, not which product suits you.
| Measure | Chime | Upgrade |
|---|---|---|
| StartupHub scoreOur 0-100 rating | 77/100 | 62/100 |
| Traction | 60/100 | 52/100 |
| Team | 60/100 | 30/100 |
| Community | 8/100 | Not published |
| Search visibility | 51/100 | 25/100 |
| Quality | 94/100 | 78/100 |
| Agent readinessHow well an AI agent can read and act on the site | F (25/100) | D (51/100) |
| Domain ratingLink authority, 0-100 | 78/100 | 77/100 |
Technology
Detected on each public site, so it reflects the marketing stack as well as the product.
| Measure | Chime | Upgrade |
|---|---|---|
| Hosting | Not detected | AWS |
| CDN | Cloudflare | Not detected |
| Frameworks | Not detected | Next.js, Bootstrap |
Chime vs Upgrade: common questions
Which is better, Chime or Upgrade?
On our 0-100 score Chime rates higher (77/100 against 62/100). 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 Upgrade compare on the numbers?
Chime leads on our overall score (77/100 against 62/100), headcount (1,500 against 16), funding raised ($13B against $871M), LinkedIn following (179,516 against 58). Upgrade leads on agent readiness (51/100 against 25/100).
Read the full Chime review and pricing or the Upgrade review and pricing. You can also browse other Chime alternatives we track.