How to Send Money from Chime to Cash App: Your Personal Step-by-Step Guide

Moving money between digital banking platforms is just part of life these days. Lots of Chime users want to send cash to Cash App—maybe to split a dinner bill, or just because it’s the fastest way to pay someone back.

You can transfer money from Chime to Cash App by linking your Chime debit card or bank account directly to your Cash App account. Setup takes just a few minutes, and after that, transfers are a breeze whenever you need them.

You’ve got a couple of ways to move your money, and which one you pick depends on what you need—instant access, no fees, whatever’s most important to you at the moment.

Essential Steps to Transfer Money from Chime to Cash App

To move money from Chime to Cash App, you’ll need to link your Chime debit card or bank account to Cash App. It’s mostly just connecting the accounts, adding funds, and confirming the transfer.

Linking Your Chime Account to Cash App

First, you’ve got to connect your Chime account as a payment method in Cash App. Here’s how you can do it:

Linking a Chime Debit Card:

1. Open Cash App and tap the profile icon

   
   

2. Hit "Linked Accounts"

   
   

3. Tap "Link Debit Card" or "Replace Card" if you’ve already got one on file

   
   

4. Enter your Chime debit card number, expiration, CVV, and zip code

   
   

5. Confirm your card details and you’re good to go

Linking Chime Bank Account:

1. Go to "Linked Accounts" in Cash App settings

   
   

2. Pick "Link Bank"

   
   

3. Use Plaid to search "Chime" and log in, or just enter your routing and account numbers manually

   
   

4. Verify the connection

You’ll need your Chime debit card info or your online banking login. Cash App will save this payment method for next time.

Initiating a Transfer from Chime to Cash App

Once you’ve connected your Chime account, you can start sending money. It’s right from the Cash App main screen.

Tap "Add Cash" or the dollar amount on your home screen. You can pick a preset or type in whatever amount you want.

Transfer limits depend on your account:

• Unverified users: $1,000 monthly limit

  
  

• Verified users over 18: Higher limits if you provide ID

Standard transfers go through the automated clearing house (ACH) network. That usually takes 1-3 business days, but hey, at least it’s free.

Need it faster? Cash App offers instant transfers, but they’ll charge you—usually between 0.5% and 1.75% of the amount.

Pick your amount and confirm. Cash App will try to pull the funds from your linked Chime account.

Verifying the Transfer and Receiving Funds

Cash App shows a confirmation message if the transfer works. You can check your transaction status in the app’s activity feed.

You’ll know it worked if:

• You see a confirmation message right away

  
  

• Your Cash App balance updates

  
  

• The transaction pops up in your payment history

If your Chime account doesn’t have enough money, Cash App will decline the transfer. Make sure you’ve got enough in there before you try again.

Standard transfers from the U.S. bank network usually finish in 1-3 business days. Once it’s done, your Cash App balance will show the new funds.

You can spend the money with your Cash App card or send it to someone else. The app treats it just like any other deposit.

If something goes wrong, check your Chime balance and try again. Double-check that your payment method is still linked, too.

Alternative Money Transfer Methods and Key Considerations

If linking Chime to Cash App isn’t working for you, there are other ways—third-party services, cash pickup, even wire transfers. Each has its own quirks, fees, and limits.

Using Third-Party Apps or Services

Some third-party services give you more options. Western Union lets you send money from your bank to other platforms through their app or website.

You can link your Chime account to Western Union. The recipient gets an MTCN (Money Transfer Control Number) to track the transfer.

Wire transfers are good for big amounts, but they aren’t cheap. Banks usually charge $15 to $50 for these, so it’s only worth it if you really need the speed.

Apps like Remitly or Wise help if you’re sending money internationally. They usually beat traditional banks on exchange rates.

Other peer-to-peer apps—Venmo, Zelle, PayPal—give you even more ways to move money around. You can send from Chime to one of these, then forward it to a Cash App user.

Cash Pickup and In-Person Transfers

Cash pickup is handy if your recipient doesn’t have a bank account. Western Union agent locations are in tons of places—grocery stores, pharmacies, check-cashing spots.

You start the transfer online or in the app, and the recipient goes to an agent location with their ID and the MTCN. This is a solid option if someone doesn’t have a smartphone or bank account.

Lots of locations now offer contactless payments, so folks can use mobile wallets or tap-to-pay cards instead of cash.

Money orders are another offline choice. You can buy one with your Chime debit card at the post office or a store, and the recipient can deposit it like a check.

Some places offer same-day pickup if you’re in a hurry. Fees run anywhere from $5 to $15, depending on the amount and how fast you need it.

Security and Transfer Limits

Money transfer security really depends on the method you pick and whether you follow the right verification steps. If you go with direct bank-to-app transfers, you’ll get solid protection thanks to encrypted connections and two-factor authentication.

Chime sets a daily spending cap of $2,500 on debit cards. You can only pull out $515 per day from ATMs. These limits shape how much you can move through third-party services, so you’ll want to keep them in mind.

If you use the send money to friends and family features, you need to verify your recipient. Double-check their phone number, email, and account info before you hit send—seriously, it’s worth the extra few seconds.

Scammers often target money transfer platforms with fake requests. You shouldn’t send money to people you don’t know or answer random payment requests. It’s just not worth the risk.

Transfer limits look different depending on the service:

• Western Union: Up to $7,500 daily if you’re online

  
  

• Wire transfers: Usually, there aren’t daily caps

  
  

• Cash App: $7,500 weekly sending limit

Two-factor authentication adds another layer of security. Go ahead and turn it on for every financial app and service you use for transfers—better safe than sorry.