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

Send and receive money

Pay Anyone the fee-free way

Instantly1 pay friends through Chime, whatever bank account they use

No instant cash-out fees

Payments are safe and secure

Send and receive money instantly1

Securely Pay Anyone through Chime in seconds – all they need is a valid debit card to claim their cash. No sign-up needed!

Fee-free instant transfers

Pay with Chime to avoid instant transfer fees. Your number ones get all their cash when they cash out.

24/7 live support

You can talk to a human at any time for Chime support. Pay Anyone with peace of mind!

Secure payments

The money you deposit into your Chime account is FDIC insured through The Bancorp Bank or Stride Bank, N.A., Members FDIC.

Member testimonials

“I love Chime for so many reasons – I get paid a day earlier, I can track my money and payments, [and] send money and pay people with ease and confidence.”

-Bryan P.

“I can pay anyone now without having [to use] Zelle or Cash App.”

-Chelsea M.

“The new Pay Anyone feature… has been a lifesaver between my husband and I adjusting to our new life together!.. I stayed with Chime because they just keep improving, growing, and make managing my money a breeze!”

-Jessica B.

Real members. Sponsored content.

Compare Chime to other apps to send money instantly

Chime
Cash App2,5,8
Venmo3,6,9
PayPal4,7,10
Instant cash-out fee
None
Up to 1.75%
1.5%
1%
Both people need an account?
No
Yes
Yes
Yes
24/7 customer support?
Yes
No
No
No
Instant cash-out fee
Chime
None
Cash App2,5,8
Up to 1.75%
Venmo3,6,9
1.5%
PayPal4,7,10
1%
Both people need an account?
Chime
No
Cash App2,5,8
Yes
Venmo3,6,9
Yes
PayPal4,7,10
Yes
24/7 customer support?
Chime
Yes
Cash App2,5,8
No
Venmo3,6,9
No
PayPal4,7,10
No

How to Pay Anyone with Chime

Tell us who you’re paying. Tap Pay Anyone to find a friend or enter their $ChimeSign. You can also pay by email or phone # for someone who isn’t on Chime.

Fill out the info. Enter the dollar amount and a quick note. Add an emoji or a drop a GIF – it’s not just money, it’s money from you!

Pay Anyone Instantly1. Choose “Pay.” Both Chime members and non-members can get their money instantly! Non-members have up to 14 days to claim funds by entering a valid debit card.

Click the link. You will receive a friendly email or text to claim your funds online. Just click and go!

Fill out the info. You can enter valid debit card information to get the funds transferred to your bank account or create a Chime Checking Account.

Claim your cash! Once you’ve entered your info, claim your money and we will transfer the funds to your account without a fee, even for instant cashout. Score!

Use Pay Anyone to
pay friends or family back for things like gas
take care of rent payments
pay for a fresh cut or your kid’s soccer lessons
give the best gift of all – cash!
pay for your part of the dinner bill
help someone out in an emergency

FAQs

How do you pay friends and family with Chime?

To use Pay Anyone in the Chime app to send money:

  1. Log in to your Chime mobile app.
  2. Select the Pay Anyone tab.
  3. Search for your friend’s name or $ChimeSign, or enter the email or phone number of someone who isn’t on Chime.
  4. Enter the amount to send to the recipient and the reason that you’re sending the money.
  5. Confirm the amount and the recipient. 

Choose Pay now to send the money.

When I use Chime’s Pay Anyone, is it an instant transfer?

Yes! If you are transferring money to or from someone who is a Chime member, the money transfers are processed immediately1. If you are paying a friend or family member who does not have Chime, they have 14 calendar days to claim their transfer.

Can I use Pay Anyone to pay friends for free, or will someone be charged a fee?

No one will be charged a fee to send or receive money with Pay Anyone. Fee-free means no fees to you for sending and no fees for them to claim funds instantly1.

How do I know these payments are secure?

Breathe easy: your payments are protected and insured. We keep your money safe and secure with periodic security tests of our systems.

Pay Anyone payments are safeguarded and all funds in Chime accounts are FDIC insured up to $250,000 through The Bancorp Bank or Stride Bank; Members FDIC.

Can I pay anyone instantly if they’re not in my contacts?

Yes! To pay a friend with Chime who is not on your contact list:

  1. On the Pay Anyone tab, enter your friend’s phone number or email address into the search bar.
  2. Tap the green Pay button that appears with your friend’s information to initiate the transfer.

Can I use Chime to pay friends who aren’t Chime members?

Yes! Using the Pay Anyone feature, you can send money instantly to people who are not members!

You will need the phone number or email address of the person you’d like to send money to.

To send money to a friend who is not a Chime member:

  1. Log in to your Chime mobile app.
  2. Select the Pay Anyone tab.
  3. Enter the email or phone number of someone who isn’t on Chime.
  4. Enter the amount to send to the recipient and the reason that you’re sending the money.
  5. Confirm the amount and the recipient.
  6. Choose Pay now to send the money.

When you pay friends who don’t have Chime, they will receive a text or an email message from Chime to let them know that you’ve sent them money with Pay Anyone. The text or email contains a link to the Chime website where they can open a Chime Checking Account or use their debit card information to claim their money. Your friend could receive up to three (3) reminders to claim their money.

If the friend that you want to pay isn’t a Chime member, they have 14 calendar days to accept the transfer. The funds are returned to your Checking Account if they haven’t claimed the money after 14 days.

What is a $ChimeSign?

A $ChimeSign is a unique handle that acts as a Chime member’s “username.” It makes it easier to send and receive money between Chime members. If someone wants to send you money, you can share your $ChimeSign with them and they can enter it into the recipient field.

How much money can you send on Chime with Pay Anyone?

There is no limit to the number of transactions for Pay Anyone. Transfer limits vary. You can find your Pay Anyone limits under Settings in the Chime app:

  1. Tap the gear icon in the top left-hand corner of the home screen to open Settings
  2. In Account info, select View limits
  3. Scroll down to view your limits for Pay Anyone Transfers

What if I accidentally send money to the wrong person?

Prior to sending money to a friend, you are prompted to confirm the transaction. Once the payment is sent, it cannot be canceled or reversed because the funds are instantly transferred.

It is the sender’s responsibility to ensure that the information is accurate prior to confirming the payment.

If you believe that your Checking Account has been compromised or that a Pay Anyone transfer from your Chime Checking Account was completed without your permission, please contact us at 1-844-244-6363 as soon as you can.

Can I cancel a Pay Anyone P2P transfer that I’ve sent to someone who isn’t a Chime member?

Yes! You can cancel a Pay Anyone transfer if it is still pending:

  1. Tap the transaction in your Chime Checking Account.
  2. Confirm the cancellation.

Once you cancel a pending Pay Anyone transfer, the funds are returned to your Chime Checking Account instantly.

Note that you can only cancel a Pay Anyone transfer if the transfer is still pending. Completed Pay Anyone transfers cannot be reversed.

What are P2P apps?

Peer-to-peer payments apps, often abbreviated to P2P pay apps or simply P2P apps, are mobile apps designed to allow users to send and receive money by connecting their banking information to the app.

Chime is not just a P2P app. You can use Pay Anyone to send money instantly to Chime members and anyone else, but you can also count on Chime to be your one money app for checking, savings, and great features like SpotMe.

Do I need other payment apps if I use Chime?

No! You can send money to anyone, whether they’re on Chime or not, all within the Chime app without paying a fee. With Chime, you don’t have to keep juggling 5 different P2P apps like Cash App, Venmo, or Zelle.

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.

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.

1 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.

2 Cash App Support: Cash Out Speed Options.https://cash.app/help/us/en-us/3073-cash-out-speed-options#

3 Venmo Help Center: Instant Transfers FAQ.https://help.venmo.com/hc/en-us/articles/115015844068-Instant-Transfers-FAQ

4 Paypal Instant Transfer page.https://www.paypal.com/for-you/transfer-money/instant-transfer

5 Cash App Support: Sending and Receiving Payments.https://cash.app/help/gb/en-gb/6490-Sending-and-Receiving-Payments

6 Credit Karma: Zelle Vs. Venmo Comparison.https://www.creditkarma.com/savings/i/zelle-vs-venmo-what-to-know

7 Chron: How to Send Money to a Person’s Paypal Account.https://smallbusiness.chron.com/send-payment-persons-paypal-account-79333.html

8 Cash App Support - Twitter.https://twitter.com/cashsupport?lang=en

9 Venmo Help Center: Contact Us.https://help.venmo.com/hc/en-us/requests/new?ticket_form_id=624807

10 Paypal Help Center: Contact Us.https://smallbusiness.chron.com/send-payment-persons-paypal-account-79333.html

© 2013-2022 Chime. All Rights Reserved.