Both Chime and Cash App operate on separate networks and servers. With Chime, you can get fee-free financial services through a mobile app. Chime Bank doesn’t have a physical branch, so it operates entirely online. It’s easy to access your Chime account and make transactions online using a mobile phone or computer. Since you have a Chime bank account, you can transfer money from it to other banks or wallets like Cash App without using debit card.
Mobile wallet company Cash App is also an online financial company. Friends and family can send and receive money through Square’s peer-to-peer app. The Cash App allows you to pay for electricity, water, internet, and rent.
If you use both payment apps, sometimes you’ll need to move money from one account to another. But first, you must figure out how to transfer money from Chime to Cash App. It is even possible transfer money from Chime to Cash App without a debit card, so I will show you how to carry out the process.
Transfer money from Chime to Cash App without a debit card
With Chime, you can easily send and receive money between multiple accounts and apps. Let’s see how to transfer money from Chime to Cash App without a debit card. Your Chime account number and routing number are required to transfer money. Before initiating the transfer, you must open/create a Chime account and link it to Cash App. Making money transfer from Chime to Cash App without debit card can be pretty tedious for a newbie, so here’s a step-by-step guide. Check it out.
Step 1: Open Chime account
You must first set up an account with Chime before transferring money. Along with a good internet connection, you should keep a few requirements in mind.
- The user must be over 18 years old.
- A government ID is required.
- A Social Security Numbers.
- You must provide a valid email address.
- After completing the online application, you can proceed to the next step. Prior to starting the process, be sure you have all the necessary documents.
When you have all the documents, fill out the online application to set up your Chime account. Double-check all of the required documents before beginning the application process. The following steps will guide you through opening a Chime account:
- For an online application form, visit the Chime Website or download the Chime app on your smartphone.
- Here you will have to fill out the form with your personal information, such as your email address and phone number.
- Now that hopefully, you have prepared all the required documents I mentioned above, scan and upload them properly.
- Then choose whether you want to apply for the Chime debit card.
- Double-check the information you entered, ensure that the application is completed correctly, and confirm your application.
Remember that you don’t need the Chime debit card when transferring money to another account. You can transfer the money without a debit card. Instead, you can send money to anyone with a checking or savings account number.
Step 2: Connect your Chime account to Cash App
Linking your Chime account to Cash App is the next step after you’ve deposited funds in it.
- Tap on the area in your profile picture in the Cash App.
- Now you can add your Chime bank account number to your app. Here you’ll need to provide your Chime account info, such as your name and Chime bank account number.
- Complete the process by tapping the Link Account option.
- As soon as the account is added, you’ll be able to transfer money.
But remember that you have to have funds on your Chime account to transfer them to another Cash App account. If it’s a new account, then here I am mentioning several options to add funds.
- It will be enough for you to share your Chime account number with your employer or client if they also have a Chime account.
- You can link a bank account, such as a Bank of America, Capital One, Citi, Wells Fargo, or another, to your Chime account and transfer money.
- Whenever a sender wishes to transfer money to you, please provide their account numbers and routing numbers.
Step 3: Transfer money from Chime to Cash App
You can still transfer money to Cash App even if you don’t have a Chime bank debit card. This is a straightforward process since you just need to link your Chime account to Cash App. Sign in to your Chime bank account, and go to your profile settings. You’ll enter your Cash App credentials, then. Here’s how it works:
- Start with Chime bank accounts using your mobile device, tablet, or computer. Open the app on your phone.
- Then select the transfer money option and enter the amount you want to send.
- You’ll need to enter your name, phone number, and email address.
- You’ll see the money in your Cash App account once you tap on Pay. You can confirm by checking your balance within the timeframe.
Step 4: Make sure everything is set up.
Transferring money online is convenient and hassle-free but tricky also. Every time you move funds, you must ensure you give the right information. There is no way to make a mistake with a single digit as you are dealing with several numbers and digits. At this point, you need to do these things.
- Make sure your Chime account number is correct.
- You can make a micro transaction with Cash App for $1 or less.
- Ensure the account linking is done after you get the funds.
How Long Does it Take to Transfer Money from Chime to Cash App?
If you transfer money using a traditional Chime or Cash App banking link, your direct deposit may take 1 to 3 days to arrive. But with an instant transfer, you can speed up the process. If you transfer instantly through your Chime debit card, you will be charged a fee of between 1.5% and 3%, depending on which transfer option you choose. It is awful to wait for your money to appear in your account. To ensure that any transfer goes smoothly, it’s always best to test it first.
Is It Safe to transfer money from the Chime to Cash App?
There is no doubt that Chime is a secure service. FDIC insurance ensures that your money will be safe even if your bank fails to protect you. The Federal Deposit Insurance Corporation (FDIC) is a private agency that works independently of any other institution in the US. Its primary responsibility is to safeguard depositors’ money. FDIC protects the funds in the event of financial institution collapse. So you can trust Chime until it is a member of the FDIC. Additionally, Chime provides excellent customer support. [email protected] and 44-244-6363 are two ways to contact its representatives.