Can I Use Chime Without my Card? |πŸ₯‡ 3 Alternatives

We've all done it. One minute our card is there in our wallet, purse, or bag, and when we come to use it, it's gone. This has happened to everyone at least once, and it can lead to some truly awkward situations. If, for example, you need to get some cash out to pay a friend or your part of a meal, but you don't have your card, you're going to have to borrow some money fast. Luckily you can use Chime without your card to avoid all of this. What follows is our summary and a quick guide on how to access your money regardless of whether you've got that card or not.

The three ways to use your Chime account without your card are to transfer the funds to another online account or a friend's account and use them from there. It's also possible to spend on your Chime card through a digital wallet such as Apple Pay. Finally, you can also use your digital card.

How Can I Use Chime Without my Card?

Now we'll cover the three easy ways in which you can use your Chime account without having your card on you. These three methods are as follows.

  1. Transfer your Chime funds to another online bank account or a friend's account.
  2. Use your Chime card through a digital wallet.
  3. Check Your Digital Card.

Transfer Your Chime Funds to Another Online Bank Account or a Friend's Account


The easiest way to access your Chime account without a card is by transferring your funds into another account. If you're with a friend who also has a Chime account, the best thing to do is to transfer some funds to them so that you can spend money on their card. Of course, you'll need to make sure they have their card with them first.

Chime charges no fees on transfers between users, so this is by far the best way to continue to access your money. However, it's not always possible to transfer funds to another Chime account. If this is the case, you can transfer the funds to another online bank account of your own.

You can transfer money between Chime and many other online bank accounts and financial apps. One of the easiest is Cash App. We've got an in-depth guide on how to transfer money between Chime and Cash App here. We'll cover the simple steps below.

  1. Open Cash App
  2. Access Your Profile in Cash App
  3. Select Add Chime Bank Account
  4. Login to Your Chime Bank Account
  5. Confirm that Everything Works by Transferrring $1

Finally, you could also transfer money from your Chime account directly to your bank account. You may have to pay a fee for this, but if you desperately need the cash immediately, it is possible to make this type of transfer.

Use Your Chime Card Through a Digital Wallet

Use Your Chime Card Through a Digital Wallet

The second way you can use your Chime account without the card is through a digital wallet. There are a few out there, but the main one most people will be familiar with is Apple Pay. It's an app that allows you to store card details, which you can then use to make contactless payments.

Unfortunately, this won't help you if you've forgotten your Chime card while you're out and you don't know the details. If, however, you've already added your card to the digital wallet, you can use your Chime card just as if it was in your hands.

To make sure you're never caught out, it's sensible to add all of your important cards to a digital wallet anyway.

Check Your Digital Card

Chime recently added a new feature to their app. Using it, you're able to view a digital version of your card. This will give you all of your card details, including the card number, expiration date, and CVV. With these details, you can make any online purchases without having your physical card with you. Restaurants and retails can also make payments using these details, even though you won't have your card with you at the time.

To find your card, follow these steps.

  • Open the Chime app
  • Tap the settings button in the top left
  • Scroll down and tap the. ‘View my Card‘ option

You should now be able to view your card details.


These two methods for accessing your Chime account without the card are the only ones possible right now. Chime doesn't work with cardless ATM networks at the time of writing. While that might change in the future, for now, you're better off using the methods listed above.

Now that you know how to access your Chime money without the card, it might be time to pick up a new one. Check out our guide on how to activate it for when it arrives here.

2 thoughts on “Can I Use Chime Without my Card? |πŸ₯‡ 3 Alternatives”

  1. Hi I have a chime account but lost my card I do not have the same phone I had when I recieved my card . how do I access my cash

    • Write or call the support so that they can identify you and send you a new card and login if needed for your new phone.

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