Chime partners with established banks to provide its users with online financial features and benefits, including sending money from Chime to your Cash App account.
Read this guide to know how to transfer funds from your Chime to Cash App account or send funds to someone else.
Can You Transfer From Chime to Cash App?
Sending money from Chime to Cash App and other peer-to-peer (P2P) services like PayPal is simple. With just a few taps, you can move money without any third-party hassle, which is great since both platforms are super popular and widely used across the U.S.
Even if your Cash App balance is low, linking it to Chime means you can effortlessly transfer funds to Cash App and send money to friends, family, or anyone else.
You can instantly transfer funds from Chime to Cash App by linking your Chime debit card to Cash App. Alternatively, you can choose an ACH transfer from your Chime bank account to Cash App, which may take up to 3 business days to complete.
To avoid extra fees, use standard transfers when possible. Instant transfers are quick but come with fees and daily limits, so the standard option can help you save.
Methods to Send Money from Chime to Cash App
You’ve got options when it comes to transferring money from Chime to Cash App! In fact, there are three different ways to make it happen, each with its perks.
Let’s dive into how each method works so you can choose the best one for your needs.
But before that…
Here’s an overview of the key details, transaction limits, and fees associated with sending money from Chime to Cash App:
| Category | Details |
|---|---|
| Transfer Method | Link Chime debit card to Cash App; alternatively, use ACH transfer from Chime bank account to Cash App. |
| Transfer Speed | Instant Transfer with Chime debit card; 1-3 Business Days for ACH transfer (Chime account to Cash App) |
| Transfer Fees | Instant Transfer: 1.5% fee (min $0.25, max $15) on Cash App; Standard Transfer: Free for ACH transfer (1-3 days) |
| Cash App Instant Transfer Limit | Up to $2,500 per week for instant transfers from Chime debit card to Cash App |
| Chime Debit Card Transaction Limits | $500 daily limit for each transaction from Chime to Cash App; $2,500 maximum daily limit (within 24 hours) |
| ACH Transfer Limits | Varies based on Chime account history and Cash App’s discretion (typically lower than debit card transfers) |
| Account Requirements | Chime: Must have an active Chime Spending Account; Cash App: Requires linking with verified personal information |
| Verification Requirements | Both Chime and Cash App accounts require user verification, typically via a valid ID and account setup information |
| Security & Support | Both platforms use bank-grade encryption and security features. Chime: 24/7 customer support; Cash App: Email and chat support available through the app |
1. Connect Your Chime Bank Account
Linking your Chime and Cash App accounts can help you dodge extra fees! When you link the two, any payments or cash transfers to Cash App come straight from your Chime account, so there’s no need for added steps.
Just a quick tip: to make this process smooth, make sure both accounts are active and in good standing. That’s all it takes to keep your money moving without issue.
Follow these steps to connect Chime with Cash App:
- Open the Cash App and navigate to the “Add Bank” section.
- Choose “Chime” from the list of options.
- Then log in to your Chime bank account to connect with Cash App.
- Open Cash App and specify the amount you wish to add to Cash App.
- Confirm your payment by selecting “Pay“.
Since your accounts are linked, the designated amount will be deducted automatically from your Chime account. This is a particularly great option if you’re sending money to your own Cash App account and not others because any payments will come out of your Chime bank account.
2. Link Your Chime debit Card
If you need to make a payment through Cash App but your balance is looking low you can use your Chime debit card to add funds. Here’s how to get everything set up in just a few steps:
- Open the Cash App and go to the “Banking” section.
- Tap “Add Debit Card” and enter your Chime card details.
- Follow the prompts to link your Cash App with Chime.
- Once linked, go back to Cash App, tap “Add Cash,” and enter the amount you want to transfer.
- Choose your Chime debit card as the funding source.
- Review the details, then hit Confirm to complete the transfer!
The funds will be promptly withdrawn from your Chime account and should be available in your Cash App account within a few minutes.
(Alternative Way) Use Chime’s Pay Anyone Transfer Service
Chime’s Pay Anyone Transfer Service is another convenient solution for transferring funds to someone who uses Cash App but doesn’t have a Chime account.
This method is especially useful when your goal is to transfer funds from your Chime account to a Cash App user.
- Open Chime (website or app) and select “Pay Anyone”.
- You need to provide the recipient’s email address or phone number (Chime will request permission to access your contacts) associated with their Cash App account.
- Specify the amount you want to transfer.
- Review the transaction details and tap on Send to initiate the transfer.
- After the transaction, the recipient will receive a notification via Cash App.
- They will accept the funds directly into their Cash App account.
Which method to choose?
Whether you’re topping up your Cash App balance or sending money to a friend, these options make it easy to transfer funds from Chime to Cash App.
If you’re wondering as I did too “Which method is the most efficient?”, let’s have a quick breakdown:
- Link Chime Debit Card: This is definitely the fastest option! By linking your Chime debit card, you can add cash to the Cash App almost instantly, though it does come with a small fee. If you need the funds right away, this is the way to go.
- Connect Chime Bank Account: This is great if you’re looking to avoid fees. It’s a little slower, typically taking 1-3 business days, but if you plan ahead, it’s a solid choice for free transfers.
- Chime’s Pay Anyone: This one’s unique and probably you won’t even need a Cash App account at all. If the person you’re sending money to has Chime, it’s a fee-free, near-instant transfer option.
So, when you must use Cash App and speed is key, go with the debit card; for no fees, connecting your bank account is ideal. And if they’re also on Chime, the “Pay Anyone” feature is a great direct transfer option.
You can also read:
Common questions about sending money from Chime to Cash App:
What is the fee for sending money from Chime to Cash App?
Chime does not charge for using the Pay Anyone Transfer Service. Also, the Cash App does not impose any fees when you add or receive money from an external account.
How much time does it take to transfer money from Chime to Cash App?
The duration for transferring money from Chime to Cash App depends on the chosen method. If you link your Chime debit card to Cash App, the transfer is instant. However, if you use a bank connection, it may take approximately 3 to 5 business days for the recipient to receive your payment.
What are the sending money limits between Chime and Cash App?
When transferring money from Chime to Cash App, the limits depend on the specific transaction type and account status. You can transfer up to 20 times per day from Chime with a maximum daily limit of $10,000 that can extend up to $25,000 per month.
If your Cash App account is unverified, you have a weekly transaction limit of $250, which can increase up to $7,500 once verified.
Can you send money from Cash App to Chime?
If your Chime account is connected to Cash App you can directly transfer funds to Chime.
