Chime vs PayDay

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

PayDay is a New Zealand app that detects incoming pay and splits it across connected accounts according to rules the user sets. Percentage splits change with the amount received, while fixed splits stay the same. It checks connected accounts for deposits matching configured income sources, then runs the relevant rules. A unified dashboard shows balances across connected New Zealand accounts and supports transfers between them. The Insights tab uses transactions to estimate money remaining before the next pay and identify upcoming bills. Bank links and transfers run through Akahu. PayDay lists ANZ, ASB, BNZ, Kiwibank and Westpac as supported; TSB, Heartland, SBS, The Co-operative Bank, Rabobank and credit unions are not yet available. The free plan, billed Free while PayDay builds, includes automatic pay detection, custom percentage or fixed splits, transfer history, a unified dashboard, Payy AI assistant, biometric lock, and email and in-app alerts. PayDay says it does not store bank passwords and encrypts data in transit and at rest. It can view transactions and make only transfers set up in split rules; users can pause splits or revoke access. The service is in private testing and invites users through a waitlist.