Can You Add a Card to Chime? Here’s How
Learn how to integrate your financial cards with Chime for enhanced flexibility and streamlined money management.
Chime, a financial technology company, offers services for convenient money management through its mobile application and website. Users can link various cards to their Chime account, streamlining how money is moved and spent. This integration provides flexibility, enabling efficient fund management.
Adding External Debit Cards to Chime
Chime users can link external debit cards to their accounts to transfer funds. Only debit cards from other financial institutions are supported for funding, not credit cards, as debit cards provide direct access to funds in an associated checking account. This ensures transfers are based on available balances.
To initiate a transfer, specific details from the external debit card are required: the 16-digit card number, expiration date, Card Verification Value (CVV), and the billing address. Transfers often have daily or weekly limits, and the external debit card must be issued in the Chime account holder’s name for security.
Adding an external debit card and initiating a transfer is straightforward within the Chime mobile application. Users navigate to the “Move” section, select “Transfer money,” and choose to add an external debit card. After entering card details, users select the linked card as the source and specify the amount to transfer to their Chime Checking Account. Transfers typically complete within minutes. While Chime generally prides itself on fee-free services, some instant transfers from external debit cards may incur a fee, such as 1.75% of the total transferred amount.
Adding Your Chime Card to Digital Wallets
Chime-issued cards, including the Chime Visa Debit Card and the secured Chime Credit Builder Visa Card, can be added to digital wallets for convenient payment options. This extends Chime card utility to platforms like Apple Pay, Google Pay, and Samsung Pay, allowing for seamless transactions at contactless payment terminals and for online purchases. A virtual Chime card can also be added without waiting for a physical card.
The process of adding a Chime card to a digital wallet involves providing the card’s details to the respective wallet application. This typically includes inputting the card number, expiration date, and CVV. Following the submission of these details, a verification step is often required to confirm the cardholder’s identity and authorize the addition of the card to the digital wallet. This verification might involve receiving a one-time code via SMS or email, or approving the action directly within the Chime mobile application.
Once the Chime card has been successfully added and verified within a digital wallet, it can be used for various transactions. Users can make contactless payments by simply tapping their compatible smartphone or smartwatch at payment terminals that support the digital wallet service. Additionally, the integrated Chime card can be selected as a payment method for online purchases within apps or websites that accept digital wallet payments, providing a secure and efficient way to complete transactions without physically presenting the card.