To transfer money from Cash App to Chime, you have two options: a free standard transfer that takes 1-3 business days to your Chime bank account, or an instant transfer to your linked Chime debit card that arrives in minutes for a fee. If you later need to move funds in the opposite direction, you can also transfer money from chime to PayPal. This guide walks you through both methods so you can choose the right speed and cost for your needs.
How to transfer money from Cash App to Chime: a quick guide
You can move money from Cash App to Chime using either a standard transfer or an instant transfer. Standard transfers are free and deposit into your Chime bank account within 1-3 business days. Instant transfers send money to your linked Chime debit card within minutes but cost a fee between 0.5% and 2.5% of the transfer amount. The exact fee is shown before you confirm the transaction. Your choice depends on how fast you need the funds and whether you are willing to pay for speed. If you later need to move that balance out, you can also transfer money from chime to Venmo instantly.
Before you start: link your Chime debit card first
Cash App requires you to link a debit card before you can add a bank account. To get started, open Cash App, tap the Profile icon, select "Linked banks," then tap "Link Debit Card" and follow the prompts. This step is mandatory even if you plan to use standard transfers later. If you ever need to lock chime card for security reasons, you can do so inside the Chime app without affecting your Cash App connection.
Link your Chime bank account for standard transfers
After your debit card is linked, you can add your Chime bank account for free standard transfers. Tap the Profile icon in Cash App, select "Linked banks," tap "Link Bank," and enter your Chime routing and account numbers. You can find these numbers in the Chime app under your account information. Once linked, this account becomes the destination for standard transfers.
How to cash out from Cash App to Chime
- Open Cash App and tap the "Money" tab or "Banking" section.
- Select "Withdraw" or "Cash Out."
- Enter the amount you want to transfer.
- Choose your transfer speed: "Standard" or "Instant."
- Select your linked Chime debit card for instant transfers or your Chime bank account for standard transfers as the destination.
- Confirm the transaction with your Cash App PIN or biometrics.
After confirmation, the money leaves your Cash App balance and moves to your Chime account based on the speed you selected.
Standard vs. instant transfers: fees and timing
Standard transfers from Cash App to your Chime bank account are free and typically arrive within 1-3 business days. Instant transfers to your linked Chime debit card arrive within minutes but incur a fee ranging from 0.5% to 2.5% of the transfer amount, with a minimum charge and a maximum of $75. The exact fee is displayed before you confirm. Because instant transfers require a debit card, you cannot use your Chime bank account routing number for instant transfers, only the linked debit card works for that speed.
Transfer limits and why your cash out might fail
Unverified Cash App accounts have a sending and receiving limit of $1,000 over a 30-day period. If your transfer exceeds this limit or your account is unverified, the cash out may fail. Additionally, instant transfers only work when you have a linked debit card selected as the destination. If you attempt an instant transfer using your Chime bank account routing and account numbers, it will not process because Cash App only supports standard ACH deposits to bank accounts. Always check that your debit card is linked and selected for instant transfers to avoid errors.
