Chime and Cash App are two of the easiest money apps you can use today. One handles your everyday banking with zero fees, while the other allows you to send and stash cash in seconds. Most people end up using both because they complement each other perfectly.

But the thing is, your money doesn’t magically teleport between the two. At some point, you’ll need to move cash from Chime to Cash App to pay someone, top up your Cash Card, or simply keep all your spending money in one place. And if you’ve ever tried figuring it out on your own, you already know the apps don’t exactly give you a roadmap.

This article fixes that. You’ll learn the simplest, fastest, and safest ways to transfer money from Chime to Cash App, and the exact steps to get it done.

Let’s get started.

Why Transfer Money from Chime to Cash App?

How to transfer money from Chime to Cash App

1. Quick Access to Spendable Cash:

Chime works great for receiving paychecks and holding your money, but you might need cash you can use right now. Moving funds to Cash App gets your money where it’s immediately usable.

2. To Use Cash App’s Extra Features:

Cash App isn’t just a wallet. It gives you instant transfers, a Cash Card for everyday purchases, and even Bitcoin buying. If you want those features, you’ll need money inside the Cash App, not sitting in Chime.

3. Splitting Bills or Sending Money to Friends:

Cash App is one of the easiest ways to send money to friends. If everyone around you uses it, transferring from Chime makes splitting expenses, like rent, food, taxis, and shared subscriptions, quick and painless.

4. Convenience for Payments and Purchases:

Some services, apps, or subscriptions accept Cash App but not Chime. Moving money ensures you can pay anywhere without delays, workarounds, or extra steps.

5. Better Budgeting and Money Management:

Many people treat Chime as the place for savings, bills, or paycheck deposits, and Cash App as the spending wallet. Transferring money helps you separate the two, stay disciplined with budgeting, and avoid dipping into funds meant for bills.

What You Need for Your Chime to Cash App Transfer

  1. An Active Chime Account: You need a working Chime account with enough available balance to cover the amount you want to transfer. Overdraft, holds, or pending deposits can delay the process.
  2. A Verified Cash App Account: Cash App must be fully set up, especially if you plan to receive larger transfers. A verified account removes limits and ensures your money lands without issues.
  3. Your Cash App Routing and Account Number: This is the key piece. You’ll find it under Cash App → Money tab → Routing & Account Number. You need these details to link the Cash App inside Chime as an external bank.
  4. A Stable Internet Connection: Sounds obvious, but both apps need steady connectivity. A weak connection can cause failed transfers, double-taps, or delayed confirmations.
  5. Updated Versions of Both Apps: Using old app versions can cause bugs when linking accounts or confirming transfers. Updating Chime and Cash App prevents errors and keeps the transfer process smooth.
  6. Your Phone for Verification Codes: Chime or Cash App may trigger a security check. Keeping your phone handy ensures you can quickly approve login alerts or OTPs.

Step-By-Step Guide To Transfer Money From Chime To Cash App

There are different ways to send money from Chime to the Cash App. Let’s explore them.

Method 1: Link Your Chime Account To Your Cash App

This method involves the linking of the Chime account to Cash App. Here are the steps:

  • Open the Cash App and choose “Add Bank.” Then select “Chime” from the options.
  • Log into your Chime bank account to link both accounts.
  • Log into your Cash App account and enter the amount of money that you want to send.
  • Choose “Pay” to make payment. The money will automatically be moved from your Chime account as your accounts are linked.

Note: This is a great option if you are sending money to your Cash App account. But ensure to avoid linking to someone else’s account, as payments will be transferred from your Chime bank account.

Method 2: Use Chime’s Pay Anyone Feature

Chime provides a “Pay Anyone” feature that enables you to transfer money to non-Chime users, including Cash App users. All you need is their email address or phone number. Here are the steps to use this method:

  • Open the Chime App and navigate to “Pay Anyone.”
  • You need to grant Chime permission to access your contact if you are a first-time user.
  • Choose your preferred recipient from your contact list. You can also enter their email address or phone number.
  • Enter the amount of money that you want to send.
  • Review the transaction details and confirm the transaction.
  • The recipient will receive notification of payment via email, which they cash out on Cash App.

Method 3: Use Your Chime Debit Card

How to transfer money from Chime to Cash App

You can use your Chime debit card to add funds if you need to send money through Cash App but do not have a sufficient balance. Here is how to transfer with your Chime debit card:

  • Open Cash App and click “Banking.”
  • Select “Add Debit Card” and enter your Chime details.
  • Confirm the link between your Chime debit card and Cash App.
  • Open “Banking” on your Cash App and “Add Cash” to fund your account.
  • Enter the amount you want to transfer from your Chime account and choose Chime debit card as the funding source.
  • Confirm the transfer; the funds will be added to your Cash App balance.

What Are the Safety Tips to Consider During Chime to Cash App Transfer?

  • Always use official apps: Only transfer money using the official Chime and Cash App apps downloaded from the App Store or Google Play Store. Avoid third-party apps or links.
  • Verify account details carefully: Double-check your Cash App routing number and account number before confirming any transfer. A small mistake can send money to the wrong account.
  • Use secure Wi-Fi or mobile data: Avoid public Wi-Fi when making transfers. Use a trusted home network or mobile data to reduce the risk of interception.
  • Enable two-factor authentication: Both Chime and Cash App offer two-factor authentication. Turning this on adds an extra layer of security for your account.
  • Monitor your transactions: After making a transfer, check both apps to confirm the money has moved correctly and that there are no unexpected transactions.
  • Keep your login credentials private: Never share your passwords, PINs, or verification codes with anyone. Legitimate apps will never ask for this information via email, text, or phone call.
  • Avoid linking someone else’s accounts: Only link your own Chime and Cash App accounts. Sending money to another person’s account by mistake can be difficult or impossible to reverse.

How to Transfer Funds from Cash App to Chime

Going the other way is just as easy.

Steps:

  • Open Cash App on your phone and go to the Banking tab (the little bank icon).
  • Tap Cash Out to start transferring money to your bank account.
  • Select your linked Chime account as the destination. If you haven’t linked Chime yet, tap Add Bank and enter your Chime routing and account numbers.
  • Enter the amount you want to transfer from Cash App to Chime.
  • Choose your transfer speed:
    • Standard: Free, usually arrives in 1–3 business days
    • Instant: Arrives within minutes, with a small Cash App fee (0.5–1.75%)
  • Review all details carefully to make sure the correct account and amount are entered.
  • Tap Confirm to complete the transfer.
  • Check your Chime account after the transfer to ensure the funds have arrived safely.

Frequently Asked Questions (FAQs) About Sending Money From Chime To Cash App

How Long Does It Take To Send Money From Chime To Cash App?

The time it takes to transfer money from Chime to Cash App depends on how you send the money. Standard transfers, which are free, can take 3-5 days for the user to receive your payment. However, Cash App charges a fee between 0.5% and 1.75% of the transaction amount for instant transfers that are delivered within minutes.

Can I Send Money From Cash App To Chime?

If you are thinking of transferring money from Cash App to Chime, you must link both of your accounts to transfer money. Once the accounts are linked, choose “Cash Out” in Cash App to deposit your funds in Chime.

What Are The Limits Of Transferring Money From Chime To Cash App?

After activating your card, you can send up to $5,000 through the Chime Pay Anyone feature. However, if your card is inactive, you are limited to about $500 monthly. Chime transfer limits also vary with users.

How Much Does It Cost To Send Money From Chime To Cash App?

Chime charges low fees and is free to use the Pay Anyone transfer service. Also, Cash App does not charge fees when you receive money from an external account.

Conclusion

As highlighted in this article, sending money from Chime to Cash App is a breeze when you understand the different methods for doing so. However, it is important to know the requirements for each method, transfer limits, and delivery time before sending money.

Last updated on November 21, 2025