Chime

Chime is a neobank and fintech platform offering fee-free checking and savings accounts, early paycheck access, credit building, and peer-to-peer payment features for consumer banking. The Chime Partner API enables developers to access user account information, transaction details, account balances, statements, and payment initiation through OAuth 2.0 authentication.

Chime publishes 5 APIs on the APIs.io network, including Authentication API, OAuth API, Statements API, and 2 more. Tagged areas include Fintech, Neobank, Banking, Checking Accounts, and Savings Accounts.

The Chime catalog on APIs.io includes 1 JSON-LD context and 1 Spectral governance ruleset.

Chime’s developer surface includes authentication, documentation, engineering blog, pricing, and 11 more developer resources.

🌐 Visit website 📡 Source on GitHub

46.2/100 developing ▼ -6.0 Agent 38/100 agent ready Full breakdown ↓
scored 2026-07-28 · rubric v0.6

AccessFreemiumSelf serve⚡ Free to try

5 APIs

FintechNeobankBankingChecking AccountsSavings AccountsEarly Paycheck AccessCredit BuildingPeer-to-Peer PaymentsConsumer Banking

Kin Score

Kin Score How this is scored →
scored 2026-07-28 · rubric v0.6

Composite quality — 46.2/100 · developing

Contract Quality 17.7 / 25

Developer Ergonomics 4.3 / 20

Commercial Clarity 10.0 / 20

Operational Transparency 2.7 / 13

Governance 7.0 / 12

Discoverability 7.4 / 10

Agent readiness — 38/100 · agent ready

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 7 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/chime: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

APIs 5

Individual APIs this provider publishes, each with its own machine-readable definition.

GraphQL 1

GraphQL schemas published by this provider.

Rate Limits 1

Documented rate limits and quota policies.

Chime Rate Limits

0 limits

RATE LIMITS

FinOps 1

Cost, billing, and metering signals for API financial operations.

JSON Schema 2

Standalone JSON Schema definitions for this provider's data models.

ChimeAccount

7 properties

JSON SCHEMA

ChimeTransaction

9 properties

JSON SCHEMA

Examples 4

Example request and response payloads for these APIs.

Documentation 1

Reference material describing how the API behaves

Documentation

Documentation

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

AgenticAccess

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrg

GitHubOrg

Access & Security 3

Authentication, authorization, and security posture

VulnerabilityDisclosure

VulnerabilityDisclosure

DomainSecurity

DomainSecurity

Authentication

Authentication

Operate 2

Status, limits, changes, and where to get help

StatusPage

StatusPage

RateLimits

RateLimits

Commercial 3

Pricing, plans, and the legal terms of use

Pricing

Pricing

Plans

Plans

FinOps

FinOps

Company 3

The organization behind the API

Website

Website

LinkedIn

Blog

Blog

Other 1

Properties that don't map to a standard resource type

Source (apis.yml)

aid: chime
name: Chime
description: Chime is a neobank and fintech platform offering fee-free checking and savings accounts, early paycheck access,
  credit building, and peer-to-peer payment features for consumer banking. The Chime Partner API enables developers to access
  user account information, transaction details, account balances, statements, and payment initiation through OAuth 2.0 authentication.
accessModel:
  pricing: freemium
  onboarding: self-serve
  trial: false
  try_now: true
  public: false
  label: Freemium · Self-serve signup
  confidence: high
  source:
  - plans
  - authentication
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/chime.png
url: https://raw.githubusercontent.com/api-evangelist/chime/refs/heads/main/apis.yml
created: '2026-06-13'
modified: '2026-06-13'
specificationVersion: '0.19'
tags:
- Fintech
- Neobank
- Banking
- Checking Accounts
- Savings Accounts
- Early Paycheck Access
- Credit Building
- Peer-to-Peer Payments
- Consumer Banking
apis:
- aid: chime:chime-authentication-api
  name: Chime Authentication API
  description: Legacy partner authentication
  humanURL: https://developer.chime.com/
  baseURL: https://api.chimebank.com/chime/v1
  tags:
  - Authentication
  properties:
  - type: OpenAPI
    url: openapi/chime-authentication-api-openapi.yml
  - type: Documentation
    url: https://developer.chime.com/docs/chime-apis
  - type: Sandbox
    url: https://developer.chime.com/
  - type: GraphQL
    url: graphql/chime-graphql.md
- aid: chime:chime-oauth-api
  name: Chime OAuth API
  description: OAuth 2.0 authorization and token management
  humanURL: https://developer.chime.com/
  baseURL: https://api.chimebank.com/chime/v1
  tags:
  - OAuth
  properties:
  - type: OpenAPI
    url: openapi/chime-oauth-api-openapi.yml
  - type: Documentation
    url: https://developer.chime.com/docs/chime-apis
  - type: Sandbox
    url: https://developer.chime.com/
  - type: GraphQL
    url: graphql/chime-graphql.md
- aid: chime:chime-statements-api
  name: Chime Statements API
  description: Access account statements
  humanURL: https://developer.chime.com/
  baseURL: https://api.chimebank.com/chime/v1
  tags:
  - Statements
  properties:
  - type: OpenAPI
    url: openapi/chime-statements-api-openapi.yml
  - type: Documentation
    url: https://developer.chime.com/docs/chime-apis
  - type: Sandbox
    url: https://developer.chime.com/
  - type: GraphQL
    url: graphql/chime-graphql.md
- aid: chime:chime-transactions-api
  name: Chime Transactions API
  description: Access transaction history
  humanURL: https://developer.chime.com/
  baseURL: https://api.chimebank.com/chime/v1
  tags:
  - Transactions
  properties:
  - type: OpenAPI
    url: openapi/chime-transactions-api-openapi.yml
  - type: Documentation
    url: https://developer.chime.com/docs/chime-apis
  - type: Sandbox
    url: https://developer.chime.com/
  - type: GraphQL
    url: graphql/chime-graphql.md
- aid: chime:chime-users-api
  name: Chime Users API
  description: Access user account information
  humanURL: https://developer.chime.com/
  baseURL: https://api.chimebank.com/chime/v1
  tags:
  - Users
  properties:
  - type: OpenAPI
    url: openapi/chime-users-api-openapi.yml
  - type: Documentation
    url: https://developer.chime.com/docs/chime-apis
  - type: Sandbox
    url: https://developer.chime.com/
  - type: GraphQL
    url: graphql/chime-graphql.md
common:
- type: AgenticAccess
  url: agentic-access/chime-agentic-access.yml
- type: VulnerabilityDisclosure
  url: security/chime-vulnerability-disclosure.yml
- type: DomainSecurity
  url: security/chime-domain-security.yml
- type: Authentication
  url: authentication/chime-authentication.yml
- type: Website
  url: https://www.chime.com/
- type: Documentation
  url: https://developer.chime.com/
- type: GitHubOrg
  url: https://github.com/chimehq
- type: LinkedIn
  url: https://www.linkedin.com/company/chime-card
- type: Blog
  url: https://medium.com/life-at-chime
- type: Pricing
  url: https://chime.me/pricing/
- type: StatusPage
  url: https://status.chime.com/
- type: X
  url: https://x.com/chime
- type: Plans
  url: plans/chime-plans-pricing.yml
- type: RateLimits
  url: rate-limits/chime-rate-limits.yml
- type: FinOps
  url: finops/chime-finops.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com