Chime to PayPal | How You Transfer Your Money

With more and more people opening up online banks and e-wallets, many are wondering how they can send money from PayPal to Chime and we're here to show you how that is possible:

There are three ways to send money from Chime to PayPal – Initiate Transfer from Chime on PayPal as Bank, Transfer to the PayPal Cash Card from your Chime Account, or Transfer Money Through a Linked Bank Account.

Known for its ease of opening, zero maintaining balance requirements, advance payment features, and automated savings features, Chime has quickly become a go-to alternative to traditional bank accounts. However, despite being a fast-rising online bank for millennials, Chime still has a few limitations on functionalities that most traditional banks and PayPal users are accustomed to using. 

Compared to traditional banks, Chime does not have international wire transfers, no way to create joint accounts, and has low-interest rates. Additionally, some features that are readily on PayPal are not yet available on Chime.
The lack of features such as transferring to international banks, unlimited transfer limits for verified users, and the option for instant transfer processing times leaves Chime users holding on to their PayPal accounts.

How To Send Money from Chime to PayPal

If you are looking for a way to send money from your Chime to PayPal account, there are several ways to do it. In this guide, we'll you how to do your preferred method, step by step:

Option 1: Initiate Transfer of Money from Chime on PayPal as a Bank

  1. Find your Chime Routing and Bank Account Numbers
  2. Add Chime as A Bank on PayPal
  3. Initiate Transfer of Funds on PayPal

Option 2: Transfer Money to the PayPal Cash Card from your Chime Account

  1. Request for PayPal Cash Card
  2. Activate Your PayPal Cash Card
  3. Find your PayPal Cash Card Routing and Bank Numbers
  4. Send money from your Chime Account to your PayPal Cash Card

Option 3: Transfer Money to the Chime to PayPal Using a Linked Bank Account

  1. Link your Chime Account to your External Bank Account
  2. Link Your PayPal Account to your External Bank Account
  3. Send money from your Chime Account to your External Bank Account
  4. Add money from your External Bank Account to your PayPal

If you’re still confused as to how to do this, don’t worry. Just follow the steps below:

Option 1: Initiate Transfer of Money from Chime on PayPal as a Bank 

While Chime is not a full-fledged bank, it has the benefits of a traditional bank account that includes bank numbers, check issuing capabilities, and FDIC-insurance.  | Chime.com

1. Find your Chime Routing and Bank Account Numbers

Due to its partnerships with The Bancorp Bank and Stride Bank, N.A, Chime has its own bank account and routing numbers that are available for use. To find it, you can either use the Chime Website or Chime App. 

How to Find Your Chime Bank Details Using the Chime Website

Due to various limitations on the PayPal app, many PayPal users prefer using the web browser to access their accounts. If you are already on your browser and are looking for a way to find your Chime bank details, here is how:

  • Go to the Chime Website
  • Log into your Chime Account
  • Click β€œMove Money”
  • Select β€œSettings”
  • Take note of your Bank Account and Routing Numbers

Now, if you prefer to use your Chime App to find your banking details, you can do that as well.

How to Find Your Chime Bank Details Using the Chime App

Alternative, if you already have the Chime App installed on your mobile device, here is how to get your bank details using the Chime App:

  • Go to the Chime App
  • Log into your Chime Account
  • Tap β€œMove Money”
  • Select β€œSettings”
  • Take note of your Bank and Routing Numbers

While your routing number will depend on which bank provides your banking services on Chime App, here are the two possible routing numbers you may have:

The Bancorp Bank

031101279

Stride Bank, N.A.

103100195

After you find your bank routing and account number, you can proceed to add it as a bank on PayPal. 

2. Add Chime as A Bank on PayPal

There are two ways to add Chime as a bank on PayPal – through the website or mobile app. Depending on where you are comfortable, here are the steps to do it:

How to Add Chime as a bank on PayPal through the PayPal App

The PayPal App is available on both iOS and Android. You can start the process of adding a bank through the PayPal app and automatically continue it on your mobile browser. Additionally, to add a bank through on PayPal through your mobile device follow these steps:

  • Open your PayPal app
  • Log in with your PayPal Account
  • Tap β€œSettings”, the gear icon on the upper right corner of the app
  • Select β€œBank Accounts and Credit Cardsβ€œ
  • Press the + icon
  • Select β€œBank Account”
  • Tap β€œGo to Our Websiteβ€œ

Then, the PayPal App will then lead you to a web browser log in form. After filling up your account details, you can do the following:

  • Expand the menu by tapping the hamburger icon on the upper left side
  • Select β€œSettings”
  • Tap β€œMoney, banks and cardsβ€œ
  • Under Bank Accounts, tap β€œLink a new bank accountβ€œ
  • Key in your Chime bank details, which include account type, routing number, and bank number. Click β€œContinueβ€œ
  • Save your account details

Alternatively, if you want to do the whole process of adding a bank account in one go, you can also add PayPal as a bank through the PayPal Website. Here is how to do that: 

How to Add Chime as a bank on the PayPal Website

While the PayPal app may be useful, it is still missing a lot of functionalities that many business owners need. Subsequently, if you do not have your phone with you, here is how you can easily add your Chime account like a bank:

  • Go to the PayPal Website
  • Log in to your PayPal Account
  • Click the β€œSettings” or gear icon on the rightmost part of your menu bar
  • On the left part of the screen, click β€œMoney, banks, and cards”
  • Under Bank Accounts, click β€œLink A New Bank Accountβ€œ
  • Key in your Chime bank details which include account type, routing number, and bank number. Click β€œLink Your Bankβ€œ
  • Save your account details

3. Initiate Transfer of Funds on PayPal

Now that you have added your Chime as a bank on PayPal, we will walk you through how to initiate a transfer using PayPal. By doing it this way, the Chime maximum transfer limits do not apply.

To request for fund transfer using PayPal, you can do it either through the PayPal Website or the PayPal App. Here is how to do both options:

Through the app:

  • Open your PayPal App
  • Log in with your PayPal Account
  • Tap your PayPal balance
  • Tap β€œAdd Money”
  • Select your Chime bank details
  • Tap β€œAdd”
  • Key in the amount you wish to transfer
  • Press β€œContinue”
  • Review your transfer
  • Tap β€œAdd X Amount”

If you prefer to do this process on your desktop or laptop, here is how to do it using the PayPal Website:  

  • Go to the PayPal Website
  • Log in to your PayPal Account
  • Click β€œTransfer” on the left side of your dashboard under your Balance
  • Under the Money tab, select β€œAdd Money To your Balance”
  • Select your Chime as the bank  
  • Input the amount you wish to transfer from your bank
  • Click β€œAdd”
  • Confirm the transaction by clicking β€œAdd X Amount”

This option is only eligible for countries that PayPal allows to use the β€œAdd Money” feature. However, since you are a Chime account owner, you are likely from the United States, where this feature is available.

This process will take about 3-5 business days and will incur no additional costs. You can expect to receive an email from PayPal after the transaction is confirmed.

Paypal screenshot
PayPal’s recently released PayPal Cash Card lets you direct deposit money like a regular bank account, withdraw from ATMs and work as a MasterCard. |PayPal.com

Option 2: Transfer Money to your PayPal Cash Card from your Chime Account

PayPal’s recently released PayPal Cash Card lets you direct deposit money like a regular bank account. While Regular PayPal accounts do not have their own bank details, there is another way to get them – the PayPal Cash App Card. In this method, we will walk you through everything that you need to do to transfer money from your Chime account to your PayPal Cash Card.

1. Verify Your PayPal Account

There are a lot of advantages to verifying your PayPal account, the key benefit is that it eliminates any limits to your maximum transactions per month. Verifying your PayPal account is necessary before you can request a PayPal Cash Card.

To verify your PayPal account, you must provide your name, email address, and contact number. Afterward, there are two ways to validate your PayPal account: 

  • Apply (and be approved for) for PayPal Credit
  • Link your Bank Account, Credit Card, or Debit Card

Once you have done either of these things, you will be allowed to request a PayPal Cash Card.  To request for a PayPal Cash Card, see how below:

2. Request for a PayPal Cash Card

With direct deposits at no costs, no monthly fees, and minimum balances, the PayPal Cash Card lets you access funds directly from your PayPal balance. The PayPal Cash Card allows you to have access to over 33 thousand ATMs. All this with a MasterCard Tap & Pay checkout feature and a Zero Liability Policy. Here is how to request your PayPal Cash Card today:

  • Go to the PayPal Cash Card Page
  • Click β€œGet the Cardβ€œ
  • Log into your PayPal Account
  • Tap β€œMore” or the three dots icon on the lower right corner of your app
  • Tap β€œOrder a PayPal Cash Card” or β€œOrder a Cash Cardβ€œ
  • If you have not upgraded to a PayPal Cash Account, PayPal will ask you to upgrade before you can proceed.
  • Confirm your address for delivery.

While it will take around 7-10 days for you to receive your physical PayPal Cash Card, you can activate it using the following method below:

3. Activate Your PayPal Cash Card

Activating your PayPal Cash Card can be done in a matter of minutes. This step is so you can create your own 4-digit PIN that you will need to use your card in the future. To activate your PayPal Cash Card, read below.

  • Go to the PayPal Cash Card Activation Page
  • Log into your PayPal Account
  • Key in your card's expiration date
  • Click β€œActivate Cardβ€œ
  • Type your 4-digit PIN
  • Click β€œCreate Pin”
  • Confirm your card activation.

Once your PayPal Cash Card is activated, you can finally have access to your PayPal Cash Card’s Bank details. Here is how to find them:

4. Find your PayPal Cash Card Routing and Bank Numbers

Both Chime and PayPal have partnerships with Bancorp bank, which allows them to have their bank details such as routing and account numbers. To find your PayPal Cash Card bank details, follow these steps:

  • Go to the PayPal Website
  • Log in to your PayPal Account
  • Click the β€œSettings” or gear icon on the rightmost part of your menu bar
  • Select β€œSet up or view direct depositβ€œ
  • Take note of your banking account and routing numbers

After this, you can now send a direct deposit to your PayPal Cash Card from your Chime App without having to link the two accounts together. Here is how to do that:

5. Send money from your Chime Account to your PayPal Cash Card

To proceed with transferring money from your Chime Account, you will need the bank details from the previous section. This method of sending money is similar to a bank to bank transfer.

  • Go to the Chime App
  • Log into your Chime Account
  • Tap β€œMove Money”
  • Select β€œTransfers”
  • Enter your PayPal Cash Card account and routing numbers

This method is the best option if you are planning to transfer to a PayPal account that you do not own, as it does not require you to link your Chime account to their PayPal Cash Card.

Option 3: Transfer Money to the Chime to PayPal Using a Linked Bank Account

If you do not want to have to apply for a PayPal Cash Card, our last method does not require connecting Chime and PayPal directly. Linking a bank account is the best way to transfer money from Chime to PayPal if you prefer to keep them separate.

1. Link your Chime Account to your External Bank Account

  • Go to the Chime App
  • Log into your Chime Account
  • Tap β€œMove Money”
  • Select β€œTransfers”
  • Choose your external bank
  • Input your bank account and routing number

After you have linked your Chime account to your External Bank Account, you can now proceed to link your PayPal to the same account.

The PayPal website has more comprehensive features than the PayPal app, including linking bank accounts. |
Paypal.com

2. Link Your PayPal Account to your External Bank Account

For you to receive your money from Chime on PayPal sent through a linked external bank account, you must add it to your PayPal first. There are two ways to add a bank on PayPal – website or app. Here is how you can do either method to link your accounts:

How to Add A Bank On PayPal through the PayPal Website

  • Go to the PayPal Website
  • Log in to your PayPal Account
  • Click the β€œSettings” or gear icon on the rightmost part of your menu bar
  • On the left part of the screen, click β€œMoney, banks, and cards”
  • Under Bank Accounts, click β€œLink A New Bank Accountβ€œ
  • Key in your Cash App bank details that include account type, routing number, and bank number. Click β€œLink Your Bankβ€œ
  • Save your account details

However, to add a bank while on the go, you can also do it with your PayPal App.

How to Add A Bank On PayPal through the PayPal App

While the PayPal App lets you start the process of adding a bank, it requires that you shift towards a browser afterward. Here is how you can start adding a bank process through the PayPal App:

  • Open your PayPal app
  • Log in with your PayPal Account
  • Tap β€œSettings”, the gear icon on the upper right corner of the app
  • Select β€œBank Accounts and Credit Cardsβ€œ
  • Press the + icon
  • Select β€œBank Account”
  • Tap β€œGo to Our Websiteβ€œ

After this, the app will then lead you to a web browser log-in form where you will be able to log-into your PayPal account and access your dashboard.

  • Expand the menu by tapping the hamburger icon on the upper left side
  • Select β€œSettingsβ€œ
  • Tap β€œMoney, banks and cardsβ€œ
  • Under Bank Accounts, tap β€œLink a new bank accountβ€œ
  • Key in your bank details, which include account type, routing number, and bank number. Click β€œContinueβ€œ
  • Save your account details

Once you have successfully linked your PayPal account to the same bank account as your Chime account, then you can finally start the bank transfer procedure.

3. Send money from your Chime Account to your External Bank Account

Chime will provide you a list of banks that you can link to as an external bank account. From there, you will be able to do both Chime-initiated or external bank-initiated transfers. Here is how to do it:

  • Go to the Chime App
  • Log into your Chime Account
  • Tap β€œMove Money”
  • Select β€œTransfers”
  • Enter your bank login details as prompted

While Chime still does not support wire transfers, you can get your funds through ACH transfers. Like typical ACH transfers, you can expect your money to appear in your bank account within 3 to 5 business days.

Additionally, Chime-initiated transfers have a lower limit for transfers with a maximum of $200 per day or $1000 per calendar month. In contrast, external bank-initiated transfers have no maximum dollar limit.

4. Add money from your External Bank Account to your PayPal

Once the money you intended to send from Chime to PayPal is in your linked bank account, you can proceed with the next steps. You have three options to get your money from your External Bank Account to your PayPal balance:

  • Transfer Money to Your PayPal Account from Your External Bank Using the PayPal App
  • Transfer Money on Your PayPal Account from Your External Bank Using the PayPal Website
  • Deposit Money from Your External Bank to your PayPal Cash Card

Depending on what app you are more comfortable with, you can select whether the transfer method you prefer is PayPal-initiated or external bank-initiated.we will walk you through each option below. 

Transfer Money to Your PayPal Account from Your External Bank Using the PayPal App

  • Open your PayPal App
  • Log in with your PayPal Account
  • Tap your PayPal balance
  • Tap β€œAdd Money”
  • Select your external bank details
  • Tap β€œAdd”
  • Key in the amount you wish to transfer
  • Press β€œContinue”
  • Review your transfer
  • Tap β€œAdd X Amount”

Alternatively, you can also transfer your funds through the PayPal website. You can do this by following the steps below:

Transfer Money on Your PayPal Account from Chime Using the PayPal Website

  • Go to the PayPal Website
  • Log in to your PayPal Account
  • Click β€œTransfer” on the left side of your dashboard under your Balance
  • Under the Money tab, select β€œAdd Money To your Balance”
  • Select your Chime as the bank 
  • Input the amount you wish to transfer from your bank
  • Click β€œAdd”
  • Confirm the transaction by clicking β€œAdd X Amount”

This method will take longer than the last two but is best for people that already have their bank accounts linked to both Chime and PayPal.

Deposit Money from Your External Bank to your PayPal Cash Card

Different banks will have their own procedures on how to transfer to your PayPal Cash Card. All you have to do is to follow them and be sure to input the correct PayPal Cash Card banking account and routing numbers.

If you are trying to keep accounts separate for budgeting reasons, this method is the way to stay on track. 

Frequently Asked Questions

What are the Chime and PayPal Transfer Limits?

Through the Chime Pay Friends peer-to-peer system, you can only send a maximum of $2,000 per month. For external banks, there is a maximum transfer limit of $200 per day or $1,000 per calendar month, unless initiated by your external bank. The Chime Checkbook feature has limits of $5,000 per payment and $10,000 per month.Β 

In stark contrast, a verified PayPal account allows you to transfer an unlimited amount of funds per month at a maximum of $10,000 per transaction.

What are the Chime and PayPal Internal Transfer Fees?

For friends and families, Chime accounts that send to other Chime accounts do need to pay transaction fees. However, you will not be able to transfer to people outside the United States, as Chime is not available in other countries.

While PayPal accounts sending to other PayPal accounts is free within the United States and 0.3-2% of the transaction for international transfers. However, PayPal also charges a currency spread worth around 2.5-3%.

What are the Chime and PayPal External Bank Transfer Limitations?

While Chime does let you transfer funds to external banks, not all banks are eligible to be linked, and all of them in the United States. PayPal allows you to link your account with banks from all over the world.

What are the Chime and PayPal External Bank Transfer Processing Times?

When transferring to an external bank account, Chime takes 3 to 5 business days to process your transfers. PayPal takes 1-3 days to process transfers to external banks.

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