Chime vs Goin

Chime has no write-up on Specifiction yet; its figures are above.

Goin combines automatic saving, budgeting, cryptocurrency investment and shopping rewards in a financial app for Android and iOS, with a Chrome extension for browser offers. Users can connect a bank or card through PSD2 and save with round-ups, scheduled contributions, habit-based rules or a percentage of income. Goals and wallets separate money and show progress; users can also pay into friends’ goals or request money that arrives instantly. Investment options cover more than 50 cryptocurrencies, including Bitcoin, Ethereum, Cardano, Polygon and Avalanche. Its saving accelerator advertises 5% APY through investment in a DeFi protocol. Participating brands provide automatic cashback, while the app offers hundreds of discounted virtual gift cards. The extension adds cashback, gift cards and coupons across more than 1,000 brands. Goin says data is encrypted with 256-bit TLS and funds are held by Easy Payments and Finance E.P.S.A., registered with the Bank of Spain under code 6849. The free plan includes automatic saving, investment options and rewards; Goin Pro costs 1.33€/month. Inactive accounts may incur monthly fees after three, nine and twelve months.