European alternatives to
Chime
US neobank offering fee-free banking with early direct deposit.
Chime Financial Inc. · Outside Europe
About Chime
- Company
- Chime Financial Inc.
- HQ
- United States
- Zone
- Outside Europe
Key concerns
Non-European ownershipSubject to US CLOUD Act
#1
N26
88 · Strongly EuropeanGerman mobile bank with a sleek app and no hidden fees. Fully licensed by BaFin and operating across the EU.
Freemium · from Free Free tier 🇪🇺 EU
Looking for all European Payments & banking alternatives? Browse the full list →
Did you know? Storing data on European servers does not protect you from US law if the company is American-owned.
Why avoid United States-owned services?
CLOUD Act
Allows US authorities to compel American companies to hand over data stored anywhere in the world.
FISA Section 702
Permits mass surveillance of non-US persons' data held by US tech providers, without a warrant.
GDPR vs US law
Transferring personal data to US companies may conflict with EU data protection rules under GDPR.