Chrome or Chromium?

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http://askubuntu.com – After installing Ubuntu 12.10 on my laptop, I went to download Chrome and got an error saying it was packaged badly or something, so I read up about it and found out about Chrome, and most people suggest that Ubuntu users should use Chromium over Chrome, although a lot is down to preference. I read that Chromium is almost a 'beta' build for Chrome, but is quicker etc. as it has the newest features. Is it still safe to use, for say banking etc.? Should I ignore the error and just get Chrome anyway? What do you use? (HowTos)