Side-by-Side Comparison
| Metric | Chime | Cleo |
|---|---|---|
| Founded | ||
| Founded | 2012 older | 2016 |
| Headquarters | ||
| Headquarters | San Francisco, United States | London, United Kingdom |
| Employees | ||
| Employees | 2482 larger | 639 |
| Industry | ||
| Industry | Financial Services, Fintech, Banking | Not tracked yet |
| Funding Stage | ||
| Funding Stage | IPO | Series C |
| Total Funding | ||
| Total Funding | $3.26B | $137.50M |
| Funding Rounds | ||
| Funding Rounds | 13 | 5 |
| Services | ||
| Services | Fee-free checking accounts, Cashback reward programs, High APY savings accounts, Early access to paycheck, SpotMe overdraft protection, Credit builder tools, MyPay credit line | AI-driven spending analysis, Personalized budgeting tools, Automated savings and financial goal tracking, Credit building solutions, Financial education through engagement and feedback, 24/7 customer interaction and support |
| Target Customers | ||
| Target Customers | Individuals struggling with bad credit, Users seeking fee-free banking options, Customers preferring early paycheck access, People looking to build or improve credit, Tech-savvy users who prefer mobile banking | Young adults, Individuals experiencing financial stress, People seeking personalized finance management, Users interested in improving financial literacy, Tech-savvy consumers looking for AI-driven solutions |
| Taxonomy | ||
| Taxonomy | Digital Banking, Personal Finance Management, Member-centric Services, Overdraft Protection, Early Direct Deposit, Credit Building, Financial Literacy, Savings Automation, Transaction Revenue Model, Banking Industry Disruption, Transparent Banking Services, Financial Empowerment, Money Management Tools, Fintech Innovation | AI Assistant, Personal Finance, Financial Well-being, Digital Banking, Financial Tools, Financial Insights, Saving Automation, User Experience, Customer Empowerment, Financial Education, Humor In Finance, Inclusive Finance, Conversational AI, Data-Driven Insights |
| Website | ||
| Website | chime.com | meetcleo.com |
About Chime
Chime, founded in 2012, is a prominent player in the Financial Services, Fintech, and Banking industries based in the United States. With its compelling slogan, "We unite everyday people to unlock their financial progress," Chime is focused on democratizing access to financial services through user-...
About Cleo
Cleo, founded in 2016 in the United Kingdom, is redefining fintech by using AI to transform how people relate to their finances. With the slogan, "Join the fintech that’s fighting back," the company aims to break the traditional financial mold and cater to the needs of the 99%. Offering a platform...
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Compiled from the BounceWatch company index. We last looked at Chime on 22 Jun 2026, and Cleo on 30 Apr 2026. Where a field is blank here, it means we have not recorded it — not that the answer is zero. How we source and date this.