Can You Send Money From Chime to Cash App?

Chime and Cash App are widely used financial applications that facilitate money management and transfers. Users often inquire about moving funds between these distinct platforms, and specific functionalities allow for convenient money transfers.

Connecting Your Chime Account

To enable transfers between Chime and Cash App, you must first link your Chime account within the Cash App interface. Users can connect their Chime account through either their Chime debit card or by directly linking their Chime bank account.

When linking your Chime debit card, access the Cash App, navigate to the “Banking” or “Linked Banks” section, and select “add a debit card.” You will be prompted to enter your Chime debit card number, expiration date, CVV code, and the associated zip code. This connects your card, enabling immediate transfers from your Chime balance to Cash App.

Alternatively, you can link your Chime bank account using its routing and account numbers. Within the Cash App’s “Linked Banks” section, choose “Link Bank” and search for Chime. You might be guided to log in with your Chime credentials for instant verification. If direct login is not an option, you can manually enter your Chime routing and account numbers. These details are readily available in the Chime app under the “Move Money” section, typically found under “Direct Deposit” or “Account Info.”

For manual linking, Cash App may send small micro-deposits to your Chime account, requiring you to verify these amounts in Cash App to complete the connection.

Sending Money Between Accounts

Once your Chime account or debit card is linked to Cash App, moving funds becomes a straightforward process. The mechanics for adding money to Cash App from Chime and cashing out from Cash App to Chime utilize specific features within the Cash App. The linked Chime account acts as either the source or the destination for these transactions.

To add funds from your linked Chime account to your Cash App balance, open Cash App and tap the “Money” or “Banking” tab. Select “Add Cash” and choose the desired amount. Confirm the transaction, drawing funds directly from your linked Chime debit card or bank account into your Cash App balance. This action effectively moves money from your Chime source into your Cash App.

Conversely, to transfer money from your Cash App balance to your linked Chime account, navigate to the “Banking” or “Balance” tab in Cash App and select “Cash Out.” Enter the amount you wish to transfer and choose your linked Chime account as the destination. You will have an option for a standard transfer or an instant transfer, each with different processing times and potential fees. Confirming the transaction initiates the transfer of funds from your Cash App balance to your Chime account.

Transfer Details and Considerations

When transferring money between Chime and Cash App, understanding the associated fees, processing times, and limits is important for effective financial management. These factors influence how quickly funds are available and any costs incurred.

Standard transfers from Cash App to a linked Chime bank account are free of charge and typically process within one to three business days. For those requiring immediate access to funds, instant transfers are available, usually completing within minutes. Instant transfers incur a fee, commonly ranging from 0.5% to 1.75% of the transaction amount, with a minimum fee often set at $0.25.

Both platforms have limits on the amounts that can be sent or received. For unverified Cash App accounts, sending limits can be as low as $250 per 7-day period, and receiving limits around $1,000 per 30-day period. Identity verification, which involves providing your full name, date of birth, and the last four digits of your Social Security number, significantly increases these limits. Chime debit cards often have a daily spending limit of $2,500, which applies to transactions including adding funds to Cash App. Ensuring correct recipient information and monitoring transaction status within the apps helps prevent delays or failed transfers.