Chime online banking goes beyond traditional banks by giving you easy access to your money. With an easy-to-use banking app and full-service website, you can manage your money from the convenience of your phone. Just like a traditional bank, your Chime spending account comes with a debit card, bank routing number, account number, and a secure login process.
A Chime account allows you to move your money between banks or into mobile wallets, such as Cash App. The easy money transfer process allows you to spend your money without using your Chime debit card with EMV smart chip.
So, how do I transfer money from Chime to Cash App?
Short answer: The Chime process to transfer money to Cash App is simple. All you need is access to your Cash app and your Chime bank name, address, routing number, and account number. After that, all transfers are done through your Cash App mobile app.
Table of Contents
How to Send Money from Chime to Cash App?
Chime recognizes Cash App as a peer-to-peer payment app. Cash App functions as a digital wallet that allows you to receive money, hold money, send money, and transfer money. You simply need access to your Cash App to transfer money from Chime.
Cash App recognizes Chime bank as a banking partner. So, all you have to do is open your Cash App and click on the “Add Bank Option,” and select “Chime Bank.” A popup will then appear and ask you to log in to your Chime spending account.
The two accounts will be linked after you enter your Chime login information. Once the two accounts are linked, you can easily transfer money into your Chime account.
An added feature is spending money from your Chime account directly through Cash App. When spending or sending money from Cash App, simply choose the Chime account option. Your money will go from your Chime account to the recipient using Cash App.
A test run of the Chime to Cash App link is always a good idea. Simply transfer $1 from your Chime spending account to Cash App using the money transfer process.
Transferring money in and out of your Cash App can take 1 to 3 days for the funds to clear. While it may not be the fastest option, it’s free. You can link your Chime Debit card to your Cash App to make an instant transfer. It allows you to make instant deposits to and from your Cash App. However, a Cash App instant transfer costs a 1.5% fee with a minimum charge of $0.25.
See our related article about why Chime denied me and how to fix it.
How to Transfer Money from Chime to Cash App without a Debit Card?
If you don’t have your Chime debit card handy but need to transfer money, you have two options. First, you can link your Chime account to Cash App through the Cash App “Add Bank Option.” However, you will need to know your login information for your Chime spending account.
If you do not know your login information, you can use your Chime spending account routing number and account number to add a bank account to your Cash App with the app.
You can save money from Chime without using a debit or credit card because the Cash App charges fees for credit and debit transfers. However, the transfers may not be instant, and you need to plan in advance.
How to Transfer Money from Cash App to Chime?
Once you’ve linked your Cash App to your Chime account, you can easily transfer money from Cash App to your Chime account. Simply use the withdraw option in your Cash App to send money to your Chime account.
You have the option of a free transfer with a 1-3 day waiting period or an instant transfer with a Cash App fee of the greater of 1.5% or 25 cents per transaction.
Another option is to withdraw the money from your Cash App using the Cash App card at an ATM to get money. Then you take the money to a Chime direct deposit partner and deposit it into your Chime spending account.
See our article about the Chime direct deposit limits for ATMs and ACH transfers.
How Long Does it Take to Transfer Money from Chime to Cash App?
When you transfer money using a traditional Chime and Cash App banking link, the direct deposit can take 1 to 3 days to hit. The process can be sped up using an instant transfer. However, an instant transfer through your Chime debit card costs a fee of 1.5% – 3%, depending on the transfer option.
Nothing is worse than having to wait for the money to appear in your account. Therefore, it’s always recommended to do a test run of any transfers before necessary.
How To Transfer Money From Chime To Cash App Summary
Transfers between Chime and Cash App are easy. You don’t have to go to a bank and wait in line to transfer your money. You simply need online access to both accounts. If you have problems logging into your Chime account, just use your Chime debit card with its PIN. All linking is done through the Cash App for easy transfers to your Chime spending account.
See our related article about how Chime works with Zelle.