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Now, use Chime to pay anyone

Send money to anyone, even if they’re not on Chime. They claim funds to their bank account instantly¹ and for free.

Chime Team • April 13, 2021

Pay Friends is this awesome way Chime members can send and receive money fee-free. Up until now, Chime members could only give and get money with friends that had a Chime account. That all changes today.

Because Chime is better with friends, members can spread the love (and money) to anyone regardless if they have a Chime account or not.

Better banking for everyone

Fee-free overdraft up to $2001
No hidden fees2
Get paid up to 2 days early with direct deposit3

Send money to anyone and everyone

Ok, we know what you might be thinking: 

  • “They have to be on Chime to receive money?” Nope. They don’t need to be on Chime or download an app. They can claim funds instantly¹ to their bank account using a valid debit card. 
  • “I still have to use other payment apps.” Again, nope. You can send money to anyone, whether they’re on Chime or not, all within the Chime app.
  • “One of us will be charged a fee.” Gasp, no! Fee-free means no fees to you for sending and no fees for them to claim funds instantly.

So, how does it work exactly?

1. Go to the Pay Friends tab 

 

2. Find your friend on Chime, or enter email/phone # of someone who isn’t on Chime

 

3. Enter a dollar amount and note (like an emoji)

 

4. Choose “Pay”

 

5. Your friend has 14 days to enter their required info and instantly claim the funds!

how to use chime payfriends step five

Spend, save, and now pay all on Chime

Whether you need to go dutch on a meal, pay the babysitter, or just treat a family member, Chime has you covered. Paying anyone has never been easier.

 

Banking services provided by The Bancorp Bank or Stride Bank, N.A., Members FDIC. The Chime Visa® Debit Card is issued by The Bancorp Bank or Stride Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted. The Chime Visa® Credit Builder Card is issued by Stride Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see back of your Card for its issuing bank.

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Opinions, advice, services, or other information or content expressed or contributed here by customers, users, or others, are those of the respective author(s) or contributor(s) and do not necessarily state or reflect those of The Bancorp Bank and Stride Bank N.A. (“Banks”). Banks are not responsible for the accuracy of any content provided by author(s) or contributor(s).

1 Chime SpotMe is an optional, no fee service that requires a single deposit of $200 or more in qualifying direct deposits to the Chime Spending Account each month. All qualifying members will be allowed to overdraw their account up to $20 on debit card purchases and cash withdrawals initially, but may be later eligible for a higher limit of up to $200 or more based on member's Chime Account history, direct deposit frequency and amount, spending activity and other risk-based factors. Your limit will be displayed to you within the Chime mobile app. You will receive notice of any changes to your limit. Your limit may change at any time, at Chime's discretion. Although there are no overdraft fees, there may be out-of-network or third party fees associated with ATM transactions. SpotMe won't cover non-debit card transactions, including ACH transfers, Pay Friends transfers, or Chime Checkbook transactions. See Terms and Conditions.

2 Out-of-network ATM withdrawal fees apply except at MoneyPass ATMs in a 7-Eleven location or any Allpoint or Visa Plus Alliance ATM. Other fees such as third-party and cash deposit fees may apply.

3 Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.

4 Funds are automatically debited from your Spending Account and typically deposited into the recipient’s Spending Account within seconds. Pay Friends transactions will be monitored and may be held, delayed or blocked if the transfer could result in fraud or another form of financial harm. Sometimes instant transfers can be delayed.

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