Chime vs Plaid
Side-by-side equity comparison for employees weighing offers at Chime or Plaid. Valuations, funding history, headcount growth, and secondary-market context.
| Chime | Plaid | |
|---|---|---|
| Latest valuation | $7.39B | $8B |
| Latest round | Series H | Series D |
| Round date | November 2024 | May 2023 |
| Total raised | $2.3B | $734M |
| Founded | 2012 | 2013 |
| Headquarters | San Francisco, CA | San Francisco, CA |
| Employees | 2,386 | 1,367 |
| Employee YoY growth | +14% | +21% |
| Primary industry | Fintech | Fintech |
| Secondary-market price | — | $121.94 |
| Base-case equity multiple | — | 1x |
| Upside equity multiple | — | 1x |
| Lead investors | Sequoia Capital, SoftBank Vision Fund | NEA, Spark Capital |
| Status | private | private |
Overview
Chime is a financial technology company offering fee-free mobile banking services including checking accounts, savings accounts with automatic savings features, and an interest-free credit builder card.
Plaid builds the infrastructure that connects fintech applications to users' bank accounts, enabling data sharing between financial institutions and apps.
Why we compare these
Chime and Plaid both appear on Fintech decacorns .
If you're evaluating offers at either one, the equity math depends on more than the headline valuation — dilution, strike price, time to liquidity, and concentration risk all matter. Use our equity compensation calculator and exit calculator to model your own numbers.