To transfer money from Chime to PayPal, you must initiate the transfer from within PayPal, not from Chime. There are two methods: an instant transfer using your Chime debit card (with a fee) or a standard transfer using your Chime bank account details (free, but takes 1-3 business days).
Method 1: Instant transfer with your Chime debit card
This method moves funds to your PayPal balance immediately for a fee. You will need your Chime Visa debit card handy.
- Log in to your PayPal account and go to your Wallet.
- Choose your Chime debit card as the source, enter the amount, and confirm the transfer.
- The funds appear in your PayPal balance instantly, minus the instant transfer fee.
To keep your account secure after linking, you can lock chime card temporarily in the Chime app if you misplace it, preventing unauthorized use while you wait for a replacement.
Method 2: Standard transfer with Chime bank details
This method is free and takes 1-3 business days. You need your Chime account and routing numbers.
- PayPal may make small test deposits to verify ownership, though it often uses instant verification instead.
- Funds arrive in your PayPal balance within 1-3 business days with no fee.
If you need to move money quickly to another app, you can also transfer money from chime to Venmo instantly using your Chime debit card, though Venmo charges a similar fee for instant transfers.
Confirming the transfer and troubleshooting delays
To confirm the money arrived, log in to PayPal and check your balance or transaction history. The transfer should show as “Completed” for instant transfers or “Pending” for standard ones until it clears.
Common issues include mismatched names (your Chime account name must exactly match your PayPal account name) or incorrect account/routing numbers. If the transfer is delayed more than expected, double-check that your Chime bank details were entered correctly in PayPal. For instant transfers, ensure your Chime debit card is not expired or blocked. If you need to send funds the other way, you can transfer money from Cash App to chime by linking your Chime debit card to Cash App and using the “Cash Out” feature.
Transfer limits, fees, and tips
PayPal charges a percentage-based fee for instant transfers using a debit card; the exact fee is shown before you confirm. Chime does not charge any fee for outgoing transfers to PayPal. PayPal imposes daily and weekly limits on how much you can add from a linked bank account or card, check your PayPal account settings for your specific limits. If you use your Chime card for purchases or ATM withdrawals, be aware of the Chime card withdrawal limit, which caps how much you can take out per day at ATMs. To reload your card with cash, visit the Chime card reload stores like Walmart, CVS, or 7-Eleven, where you can add funds for a small fee.
Always initiate the transfer from PayPal, not Chime. This ensures the transaction is processed correctly and avoids failed transfers.
For the wider topic, see lock chime card.
