Yes, you can transfer money from Chime to another bank account
Chime lets you move money out to a different bank in a few different ways. The method you choose depends on how fast you need the money to arrive and whether you want to move it once or set up regular transfers. Most transfers take one to three business days, though some options are faster.
The most common route is to link your outside bank account to Chime and then initiate a transfer through the Chime app or website. You can also use your Chime debit card to withdraw cash and deposit it yourself, or have someone send you money through an external payment app. Each method has different timing and requirements.
Key Takeaways
- You can transfer money from Chime to another bank by linking that bank account in the Chime app under settings, then requesting a transfer.
- Transfers to linked bank accounts usually take one to three business days and are free.
- You can withdraw cash from an ATM using your Chime card and deposit it at your other bank if you need money faster.
- Chime does not charge a fee for outgoing transfers, but your receiving bank may charge a deposit fee.
Linking your outside bank account to Chime
Before you can transfer money out, you need to tell Chime about your other bank account. Open the Chime app, go to Settings, and look for the option to add a bank account or linked account. You will need your routing number and account number from the bank you want to transfer to — you can find these on a check, in your bank's app, or by calling the bank.
Chime will ask you to verify the account by making two small test deposits to that account, usually within one to two business days. Once those deposits show up in your other bank account, you go back into Chime and confirm the amounts. This verification step protects you from accidentally sending money to the wrong place.
After verification is complete, that account stays linked in Chime and you can use it for future transfers without repeating the setup.
How to request a transfer from Chime
Once your outside account is linked and verified, transferring money is straightforward. In the Chime app, find the transfer or send money section — the exact location varies slightly depending on whether you are using the mobile app or the website. Select the linked bank account you want to send money to, enter the amount, and confirm.
Chime will show you an estimated arrival date, usually one to three business days out. The money leaves your Chime account right away, but it takes time to reach the other bank because the transfer has to move through the banking system. You will see a record of the transfer in your Chime transaction history.
There is no fee from Chime for making this transfer. However, your receiving bank might charge a deposit fee if it charges for incoming transfers — this is rare, but worth checking with your bank first.
Faster ways to access your money
If you need cash or access to your money before a bank transfer arrives, you have other options. You can use your Chime debit card to withdraw cash from any ATM that accepts it — Chime's network includes over 60,000 ATMs nationwide. Once you have the cash, you can deposit it at your other bank's branch or ATM.
You can also use a payment app like Venmo, PayPal, or Cash App to move money if someone you trust can receive it and send it back, though this adds an extra step and is not ideal for moving your own money between accounts. Some people use this method only in emergencies.
The fastest option remains the ATM withdrawal if you have a branch of your other bank nearby and can deposit the same day.
What happens if the transfer fails or takes longer
Transfers occasionally get delayed or rejected. Common reasons include a typo in the routing or account number, the receiving account being closed, or a hold placed by either bank. If your transfer does not arrive within the estimated timeframe, check your Chime transaction history to see if it shows as pending, completed, or failed.
If the transfer failed, Chime will usually send you a notification explaining why. You can then correct the information and try again. If the transfer shows as completed but the money has not arrived at your other bank after five business days, contact Chime support with the transaction details and they can investigate with the receiving bank.
Money that fails to transfer returns to your Chime account within one to three business days.
Setting up regular transfers
If you move money between Chime and another account regularly — for example, to save money or pay bills — you can set up a recurring transfer instead of doing it manually each time. In the Chime app, look for the option to schedule or automate a transfer. You choose the amount, the frequency (weekly, biweekly, monthly, or another schedule), and the date it should happen.
Recurring transfers follow the same one- to three-business-day timeline as one-time transfers. You can pause, change, or cancel a recurring transfer at any time through the app.
Removing a linked bank account
If you no longer want to transfer to a particular bank account, you can unlink it from Chime. Go to Settings, find the linked accounts section, and select the account you want to remove. Chime will ask you to confirm, and the account will be deleted from your linked list. This does not affect any transfers you have already made — it only stops you from making new transfers to that account.
You can link a new account anytime and go through the verification process again if you change banks or want to transfer to a different account.
Frequently Asked Questions
How long does it take for money to show up in my other bank account?
Most transfers take one to three business days. Weekends and holidays do not count as business days, so a transfer requested on Friday might not arrive until Tuesday. Chime shows an estimated arrival date when you request the transfer.
Does Chime charge a fee to transfer money out?
No, Chime does not charge you to transfer money to a linked bank account. Your receiving bank might charge a deposit fee, but this is uncommon — check with your bank if you are unsure.
What if I enter the wrong account number?
The transfer will likely fail and the money will return to your Chime account. Chime or your receiving bank may catch the error before the transfer goes through. Always double-check the routing and account numbers before confirming a transfer.
Can I transfer money to someone else's bank account?
No, you can only transfer money to bank accounts you have linked to your own Chime account. To send money to someone else, use a payment app like Venmo or PayPal, or ask them to receive a transfer to their own account if they have Chime.
What if my transfer is stuck as pending?
Pending transfers usually complete within the estimated timeframe. If a transfer stays pending longer than three business days, contact Chime support with the transaction ID from your history. They can check the status and help resolve any issues.