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What Chime really charges to exchange money

Chime's applied rates and published fees, verified against its own public sources and regenerated daily. Updated: 2026-08-28.

Applied rates

Chime has no live verifiable rates in our sources right now; its published pricing is below.

Published card fee

0.00%
Foreign-transaction fee · visa card · verified 2026-06-30
Banks here price cards at the Visa/Mastercard scheme rate. We do not publish a figure until the schemes issue us production credentials.

By published card fee, Chime ranks #3 of 18 banks open to new customers that we track in United States today.

Today's cheapest alternative

Capital One publishes the lowest card fee in United States today: 0%. See its page →

Where these numbers come from

Card: the ECB reference rate plus the bank's published margin. Transfers: no published data.

Compare Chime with every bank in the country on the daily United States table, check what each card charges, or price what your money is worth abroad.

Frequently asked questions

What exchange rate does Chime use?

Chime prices card payments via the ECB reference rate plus the bank's published margin. Rates on this page are indicative, derived from published data, and regenerate daily.

What does Chime charge for card payments abroad?

Chime publishes a 0% foreign-transaction fee on card payments, verified 2026-06-30.

Is there a cheaper bank than Chime in United States?

Yes — as of today, Capital One publishes the lowest card fee (0%) among banks open to new customers that we track in United States.

Rates shown are indicative, derived from each bank's publicly published data, and may differ from the final rate applied at transaction time. MyRate FX is independent and not affiliated with any listed bank. No bank pays for position; sponsored links are labeled and never alter ordering.