Chime vs SavingsBox
Chime
chime.com
SavingsBox
thesavingsbox.comSide by side
| Figure | Chime | SavingsBox |
|---|---|---|
| Price from | — | $4.99/mo |
| Free plan | — | Yes |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | Yes | Yes |
| Android | Yes | Yes |
| Plans published | 0 | 6 |
| Spec score · Automated Savings Apps | 7.0 (#18) | 8.5 (#3) |
| Eligibility | A Chime Checking Account is required to open a savings account. | The terms require consumer users to be at least 18, U.S. residents, and to have a valid U.S. bank account. |
| Platforms | iOS, Android and web (the App Store and Google Play listings show iOS and Android). | The consumer app page says Android is available on Google Play and iOS is in App Store review; the Pro page says iOS is available and Android is in Google Play review. |
| Product | Chime's App Store listing says its members bank fee-free; conditions apply (Chime footnote, could not read). | SavingsBox offers personal and group savings boxes, AI coaching, round-up savings, recurring contributions, and access to finance professionals. |
| Round-ups | Automatic round-ups on card purchases. | The app can round purchases to the nearest dollar and move the difference into a selected savings box. |
| What it does | A mobile banking app with automatic savings tools and a high-yield savings account; conditions apply (Chime footnote, could not read). | SavingsBox combines goal-based savings boxes, automated contributions, round-ups, AI coaching and access to finance professionals. |
Plans
SavingsBox
- FreeFree
- Premium$4.99 a month
- Basic$5 a month
- SavingsBox Pro Basic$5 a month
- Premium$12 a month
- SavingsBox Pro Premium$12 a month
In their own words
SavingsBox
SavingsBox is an app for personal and group savings goals, with contribution tools, spending insights, and coaching. Users can create savings boxes, make manual contributions, and use card round-ups. Linked bank accounts connect through Plaid for spending insights, while boxes can be funded by ACH transfer or card. Its AI coach, Maya, reviews progress and spending, flags goals that are falling behind, proposes catch-up plans, and checks in weekly. Other tools include smart bill alerts, savings streaks and challenges, and a real-time financial health score. The Free plan is free and includes personal boxes, limited AI coaching, bank and ACH payments, a wallet, and manual contributions. Premium costs $4.99 a month and adds unlimited boxes and coaching, group boxes, recurring contributions, and priority support. SavingsBox Pro plans are aimed at finance professionals and include appointment and client management, earnings tracking, meeting-link sharing, and premium AI client insights. Consumer users must be at least 18, U.S. residents, and have a valid U.S. bank account. The company says SavingsBox is not a bank; third parties provide payment processing, custody, and money transmission.