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

Now, use Chime to pay anyone

Chime Team • April 13, 2021

Pay anyone with Chime mobile app

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

Pay Anyone 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.

#1 most-loved banking app™~

  • Over 1,000,000+ five-star reviews on Google Play & Apple Store
  • Send and receive money fee-free
  • Deposit checks from anywhere
Get Started

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 Anyone 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.

 

#1 most-loved banking app™~

  • Over 1,000,000+ five-star reviews on Google Play & Apple Store
  • Send and receive money fee-free
  • Deposit checks from anywhere
Get Started

Chime® is a financial technology company, not a bank. Banking services are provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC. The Chime Visa® Debit Card and the Chime Credit Builder Visa® Credit Card are issued by The Bancorp Bank, N.A. or Stride Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit and credit cards are accepted. Please see the back of your Card for its issuing bank.

While Chime doesn’t issue personal checkbooks to write checks, Chime Checkbook gives you the freedom to send checks to anyone, anytime, from anywhere. See your issuing bank’s Deposit Account Agreement for full Chime Checkbook details.

By clicking on some of the links above, you will leave the Chime website and be directed to a third-party website. The privacy practices of those third parties may differ from those of Chime. We recommend you review the privacy statements of those third party websites, as Chime is not responsible for those third parties' privacy or security practices.

Third-party trademarks referenced for informational purposes only; no endorsements implied.

‡ SpotMe® for Credit Builder is an optional, no interest/no fee overdraft line of credit tied to the Secured Deposit Account. SpotMe on Debit is an optional, no fee service attached to your Chime Checking Account (individually or collectively, “SpotMe”). Eligibility for SpotMe requires $200 or more in qualifying direct deposits to your Chime Checking Account each month.

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, N.A. and Stride Bank, N.A. (“Banks”). Banks are not responsible for the accuracy of any content provided by author(s) or contributor(s).

1 SpotMe® for Credit Builder is an optional, no interest/no fee overdraft line of credit tied to the Secured Deposit Account. SpotMe on Debit is an optional, no fee service attached to your Chime Checking Account (individually or collectively, “SpotMe”). Eligibility for SpotMe requires $200 or more in qualifying direct deposits to your Chime Checking Account each month.

Qualifying members will be allowed to overdraw their Chime Checking Account and/or their Secured Deposit Account up to $20 in total, but may be later eligible for a higher combined 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 SpotMe Limit will be displayed to you within the Chime mobile app. You will receive notice of any changes to your SpotMe Limit. Your SpotMe Limit may change at any time, at Chime or its banking partners’ discretion. Although there are no overdraft fees, there may be out-of-network or third party fees associated with ATM transactions or OTC cash withdrawal fees at retailers. SpotMe won't cover non card transactions, including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions. SpotMe Terms and Conditions.

2 Out-of-network ATM withdrawal and over the counter advance fees may apply except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.

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 Checking Account and typically deposited into the recipient’s Checking Account within seconds. Pay Anyone 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.

~ Chime is recommended by more of its users than that of any brand per 2023 Qualtrics® NPS score.

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