How to Transfer Money Between Chime & Cash App

Moving money between Chime and Cash App is something millions of people do every week. Whether you need to send money from your Chime account to a friend on Cash App, or pull funds from Cash App back into Chime, the process is quick and largely free. This guide shows you exactly how to transfer money from Chime to Cash App in both directions, what fees apply, and how long each method takes.

Chime is a financial technology company, not a bank. Banking services are provided by The Bancorp Bank, N.A. and Stride Bank, N.A., Members FDIC.

How to Send Money From Chime to Cash App

There are two main ways to move money from your Chime account into Cash App.

Method 1: Link Your Chime Debit Card to Cash App

This is the fastest way to get Chime funds into Cash App.

1. Open Cash App and tap the Banking tab (the bank icon at the bottom).
2. Select Add a Bank and then choose Debit Card.
3. Enter your Chime Visa debit card number, expiration date, CVV, and billing zip code.
4. Once linked, tap Add Cash to move money from your Chime debit card into your Cash App balance.
5. Enter the amount and confirm.

Using a debit card is considered an instant transfer. Cash App charges a 1.5% fee (minimum $0.25) for instant transfers from a debit card. If the fee is a concern, Method 2 avoids it.

Method 2: Link Your Chime Bank Account to Cash App

Linking your actual Chime checking account lets you move money for free, though it takes a bit longer.

1. Open Cash App and go to the Banking tab.
2. Select Link Bank and choose Chime from the list (or search for it).
3. Log in with your Chime credentials to authorize the link.
4. Once linked, tap Add Cash, enter the amount, and select your Chime bank account as the source.
5. Confirm the transfer.

ACH bank transfers are free but take 1 to 3 business days to complete. This is the better option if you're not in a hurry and want to avoid the debit card fee.

How to Transfer Money From Cash App to Chime

Moving money the other direction -- from your Cash App balance into Chime -- is also straightforward. Here's how to send money from Cash App to Chime.

Method 1: Cash Out to Your Linked Chime Account

1. Open Cash App and tap the Banking tab.
2. Tap Cash Out and enter the amount you want to transfer.
3. Select your linked Chime bank account as the destination.
4. Choose Standard (free, 1-3 business days) or Instant (1.5% fee, minimum $0.25, arrives in minutes).
5. Confirm the transfer.

Method 2: Cash Out to Your Chime Debit Card

If you linked your Chime debit card rather than the bank account, Cash App can send the money to that card instead. Instant transfer to a debit card costs 1.5% (minimum $0.25). Standard delivery is free but takes 1-3 business days.

Chime to Cash App Transfer Times and Fees Summary

Can I Send Money Directly From Chime to Cash App Without Linking?

No. A direct link between the two accounts is required. You need to either add your Chime debit card or connect your Chime checking account inside Cash App. Once that link is established, transfers in both directions are possible.

For Chime-to-Chime transfers, the built-in Pay Anyone feature is faster and completely free. See the details on does Chime work with Zelle for why Zelle is not an option and what the alternatives are.

How to Move Money From Chime to Cash App Instantly

For same-day transfers, link your Chime debit card to Cash App. The 1.5% instant fee is the cost for speed. For context, on a $100 transfer, that fee is $1.50 -- reasonable if you need funds available right away.

If you use Cash App's Instant Cash Out to move money back to Chime, the same 1.5% applies.

Tips for Smooth Transfers Between Chime and Cash App

• Confirm your Chime card or account details are current. An expired card or closed account will cause the transfer to fail.
• Watch Cash App's transfer limits. Cash App applies weekly sending and receiving limits, especially for unverified accounts. Verify your identity in Cash App to raise those limits.
• Use standard transfers when timing allows. The free ACH option saves money if you can wait 1-3 business days.
• Check your Chime balance first. Transfers that exceed your available balance will be declined.

Want to make sure you can access your Chime balance in cash too? The guide on Chime ATM locations and withdrawal limits covers fee-free ATM access so you know where to pull cash nearby.

Also, if you're looking at how Chime stacks up against other neobanks for overall features, the apps like Chime comparison is worth reading.

Frequently Asked Questions

How do I transfer money from Chime to Cash App?

Link your Chime debit card or Chime bank account to Cash App, then use the "Add Cash" feature to move funds from Chime into your Cash App balance. Debit card transfers are instant but carry a 1.5% fee (minimum $0.25). Bank account ACH transfers are free but take 1 to 3 business days.

How do I send money from Cash App to Chime?

Use Cash App's "Cash Out" feature and select your linked Chime bank account or Chime debit card as the destination. Standard delivery is free and takes 1-3 business days. Instant delivery to a linked debit card or bank costs 1.5% (minimum $0.25) and arrives in minutes.

Is it free to transfer money between Chime and Cash App?

Standard ACH bank transfers between Chime and Cash App are free in both directions but take 1-3 business days. Instant transfers using a linked debit card cost a 1.5% fee with a $0.25 minimum. There are no fees from Chime's side for these transfers.

How long does a Chime to Cash App transfer take?

Debit card instant transfers complete in minutes. Standard ACH bank account transfers take 1 to 3 business days in both directions. Cash App's transfer times can vary slightly depending on bank processing, so plan for up to 3 business days for standard transfers to be safe.