Does Chime Work With Cash App? [Complete 2021 Guide]

Updated & Verified: August 16, 2021

Are you a Chime Bank member and want to use Cash App but aren’t sure if you can or exactly how to link your account with Cash App?

Then you’re in luck and we’ve got you covered.

Cash App launched in October of 2013 and as of 2020, it has had over 100 million downloads and over 36 million monthly active users (1). It is extremely popular, especially with younger Millenials.

Considering the overwhelming popularity of both Cash App and Chime, it’s only logical for you to want to use your Chime account with Cash App to send and receive money or even to invest in stocks and crypto.

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It’s important, however, for you to ensure that everything is set up and linked properly to help you avoid any potential issues and/or loss of money when using your Chime account with Cash App.

There are two ways you can link your Chime account with Cash App. We will cover both and explain a couple of the pros and cons of using each.


In This Post:


Can Chime receive money from Cash App?

Yes, Chime can receive money from Cash App. People using Cash App can send money to anyone who has a properly set up and linked bank account including people who use Chime.

You can also send money to Chime from your own Cash App (for example if you’re investing and turning a profit). The process of transferring funds from Cash App to your own bank is known as “cashing out”. (3)

How to Send and Receive Money Using Cash App

  • To send money using Cash App, open the app and tap the “send” icon. Enter the amount you want to send, then type in your recipient’s name or email address.
  • To receive money using Cash App, open the app and tap the “receive” icon. Enter your bank or PayPal account information to receive funds from anyone who sends you money on the Cash App.

You can link your Chime debit card with Cash App which will allow you to access the ability to use instant transfers. However, keep in mind that there is a 1.5% fee associated with these transactions.

If you’d rather not pay these fees, you can also directly link to your Chime Bank account. We show you exactly how below.

To link to your Chime debit card for use with Cash App:

1) Install and Open Cash App

First, you need to install Cash App on your preferred device if you haven’t done so already. You can do so for free on Android and iOS devices. Once you have Cash App installed on your preferred device, open it to continue linking it to your Chime account.

2) Click on the Bank Icon in the Bottom Left Corner

Once you have Cash App open, simply click on the bank icon in the bottom left corner of the screen.

You may have to scroll down to near the bottom of the screen and you should see a “Link Bank” button. Click on it to start linking Cash App to Chime.

4) Enter your Chime Bank debit card number and information

Enter your full Chime debit card number and then click on “Add Card” in the bottom right corner. Then you will be prompted to enter your CVV number, card expiration date, and zip code associated with the card.

Assuming everything is correct, you should get a confirmation message in Cash App saying that the card has been linked to correctly.

Linking Chime to your Cash App using your bank account is a very similar process to using your debit card and is equally as straightforward.

Linking your Chime Bank account with Cash App this way allows you to avoid transaction fees. However, you won’t be able to instantly transfer money this way. Instead transferring money will take up to 1 to 3 business days.

Another benefit of linking Cash App directly with your Chime Bank account is if you lose your Chime debit card and need to get it replaced or if it expires, your debit card number may change and that will cause potential issues with using Cash App until that information is updated. Directly linking to your Chime account you don’t need to worry about any of that.

1) Install and Open Cash App

Install Cash App on your preferred device if you haven’t done so already. You can do so for free on Android and iOS devices. Once you have Cash App installed, open it to continue linking it to your Chime account.

2) Click on the Bank Icon in the Bottom Left Corner

Once you have Cash App open, simply click on the bank icon in the bottom left corner of the screen.

You may have to scroll down to near the bottom of the screen and you should see a “Link Bank” button. Click on it to start linking Cash App to Chime.

To link Cash App directly to your Chime Bank account, click on “no card”.

Read the following screen and then click “Continue”. Then either scroll or search until you find “Chime” and click on it.

Finally, log in to your Chime account with your Chime username and password to finish linking it with Cash App.

The Easiest Way to Ensure Chime and Cash App are Linked Properly

Even though it may be tempting to skip doing this, it’s highly recommended that you test things to ensure Chime and Cash App are properly linked together. 

The easiest way to do this is to send a small amount of money (like $1) from Chime to Cash App. Once the transfer is complete, try sending it back to your Chime account from Cash App. If everything transfers over as expected, then you should be good to go.

Recommended Reading: How you can use Zelle with your Chime account and use Venmo with your your Chime account

Are There Limits to How Much Money I Can Send or Receive With Cash App and Chime?

For unverified Cash App accounts, the maximum amount you can send per week is $250 while the maximum you can receive is $1,000 within 30 days.

Are There Fees for Using Cash App with Chime?

When sending money from your account to another Cash App user, there are no fees involved. Moreover, when withdrawing money into a bank account, the process is free if you follow the standard withdrawal process that takes 1-3 days to complete.

How long does it take to transfer money from Cash App to Chime?

In some cases, cashing out or transferring funds to Chime from Cash App is instant. However, if it isn’t instant, you can expect the funds to be available in your Chime account in 1 to 3 business days. (2)

Recommended Reading: Have you ever wondered how you can load physical cash on your Cash App? Check out our guide showing you how you can easilly add cash to your Cash App account

Why is my Chime debit card not supported on Cash App?

In most cases, the reason you are getting a not-supported message using your Chime debit card with Cash App is that you made a mistake when entering your card information into Cash App. Double-check the card info and try again.

Other possible issues can include your Chime card is somehow blocked, the app for Cash App itself needs to be updated or Cash App and/or Chime are currently down. 

If you continue having problems, try contacting Cash App support and/or Chime support to further investigate what your specific issue may be. (4)

What if You Have Problems Using Cash App with Chime?

If you have any problems using Cash App with Chime, you can easily contact support for both by doing the following:

Contacting Cash App Support

To contact Cash App support, you can do so from within the app by going to your profile and then clicking on “Support” or by going to https://cash.app/contact.

Contacting Chime Support

If you’re having issues with getting Chime to work with Cash App, you may want to try contacting Chime support by calling (844) 244-6363 to see if there may be something with your Chime account preventing you from being able to use Cash App.

Wrapping Up

Using Cash App with your Chime account is 100% possible and is typically a pretty straightforward and simple process to set up. You can use either your Chime debit card or your Chime account itself to link with Cash App so are able to send and receive money easily and efficiently. However, we strongly recommend just directly linking to your Chime account itself instead of using your debit card.

References

1. David Curry, Business of Apps – https://www.businessofapps.com/data/cash-app-statistics/

2. Chime – https://help.chime.com/hc/en-us/articles/224909047-How-long-will-it-take-for-my-money-to-post-to-my-Chime-Spending-Account

3. Cash App – https://cash.app/help/us/en-us/3071-cash-out-instructions

4. Cash App – https://cash.app/contact

5. Cash App – https://cash.app/help/us/en-us/1015-account-settings

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