Is Chime available in Colombia?
Chime is not available to residents of Colombia — here's why, and what Bogotá readers can use instead.
*Affiliate disclosure: We may earn a commission if you open an account via our link, at no extra cost to you.
Quick Facts
Can you use Chime in Bogotá, Colombia?
Chime is a US financial-technology company whose banking services are provided by The Bancorp Bank, N.A. and Stride Bank, N.A. (Members FDIC), and it serves customers only in the United States. Colombia is not one of those markets, so Chime accounts cannot currently be opened by residents of Bogotá or elsewhere in Colombia.
Chime requires US residency, a US Social Security Number or ITIN, and a US address, which residents of Colombia generally cannot provide. This reflects Chime's licensing and regulatory footprint, not the applicant.
If you are in Bogotá, compare providers that do operate in Colombia on our US Digital Banking page, and always confirm country availability on the provider's official site before applying.
Is Chime available in Colombia?
No. As of 2026, Chime does not offer accounts to residents of Colombia. Chime is a US financial-technology company whose banking services are provided by The Bancorp Bank, N.A. and Stride Bank, N.A. (Members FDIC), and it serves customers only in the United States.
What is Chime?
Chime is the largest US neobank, serving 22 million+ members with a straightforward promise: banking without the fees. Sign up through this referral link and get $100 — Chime automatically saves a little for you every time you spend, so your balance grows without any effort. Founded in 2013, Chime provides a fee-free checking account (Spending Account), a high-yield savings account, and a Secured Credit Builder Visa card — all through a clean mobile app with no monthly fees, no minimum balance, and no overdraft fees. Chime's standout features include early direct deposit (up to 2 days early), SpotMe (fee-free overdraft coverage up to $200 for eligible members), and automatic savings round-ups. Chime is not a bank itself — it partners with Bancorp Bank and Stride Bank (both FDIC-insured) to hold customer deposits safely.
Key Features of Chime
Fee-free checking account
No monthly fees, no minimum balance, no overdraft fees — simple banking.
Early direct deposit
Get your paycheck up to 2 days early when your employer uses direct deposit.
SpotMe
Overdraft up to $200 fee-free on debit card purchases for eligible members.
Automatic savings
Round up every purchase to the nearest dollar and save the difference automatically.
Credit Builder Visa
Build your credit score with no annual fee and no interest — use your own money securely.
60,000+ fee-free ATMs
Withdraw cash for free at any MoneyPass or Visa Plus Alliance ATM.
Chime Pros & Cons
Advantages
- $100 referral bonus when you join via this link (terms apply)
- Truly zero fees — no monthly, overdraft, or minimum balance fees
- Automatic savings round-ups grow your balance without thinking about it
- SpotMe overdraft up to $200 at no cost
- Early direct deposit up to 2 days ahead
- Excellent Credit Builder card for rebuilding credit
- FDIC insured via Bancorp Bank and Stride Bank
Disadvantages
- US only — not an international option
- No savings rate as high as SoFi or Ally
- Cash deposits require third-party retailers (inconvenient)
- Not a bank itself — relies on partner banks
Who is Chime Best For?
Ready to get started with Chime?Confirm eligibility for Bogotá with the provider
Open your account today and take advantage of everything Chime has to offer.
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Frequently Asked Questions About Chimein Bogotá
Is Chime safe?
Chime is a regulated financial services provider. Digital Bank Networks only features regulated, vetted affiliates. Always review the provider's terms, fees, and regulatory status before transferring funds. CFD and forex trading carries risk — please read all risk disclosures before trading.
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