5 Easy Ways to Send Money From Chime to PayPal (2023)

how to send money from chime to paypal

Millions of people are using Chime on a daily basis, and even more people are using PayPal. Naturally, the two crossover sometimes and people want to send money between the two. However, is that possible? Can you send money from Chime to PayPal?

There’s no way of sending money from Chime to PayPal, or vice versa, directly. Your best options are to use Chime to send money to a PayPal debit card or ANY debit card or to send money to a connected bank account and forward the money to PayPal. 

As you can see, the options for transferring money from Chime to PayPal aren’t optimal and will require “legwork.” Keep on reading because we’re going into more detail to find the best solution for you.

How to Send Money From Chime to PayPal (Easy Guide)

chime to paypal 5 ways to send money

1. Use a PayPal debit card

You may not be aware of the fact that PayPal is also offering debit cards. You can apply for a free PayPal Cash Card on their website and use it to spend your PayPal balance wherever Mastercard is accepted.  

Whether you’re transferring money to yourself or others, a PayPal debit card will be a great way of sending money directly to the PayPal balance using Chime’s Pay Anyone. 

RELATED: How to Send Money from PayPal to Cash App

2. Make the recipient open a Chime account

Because there isn’t a direct way of sending money from Chime to PayPal, we have to find a workaround. The first way of transferring money between Chime and PayPal is to offer the recipient to open a Chime account. 

That way they can instantly get the money for free in their Chime account. Chime accounts are also free to open and it takes minutes to have it done. 

3. Transfer money to a debit card

Chime introduced their free Pay Anyone feature that makes sending money far easier without the need of opening a Chime account for the recipient. They only need to have a debit card to instantly get money transferred to them.

You see, when you use Pay Anyone, the recipient will get a link sent to them that will take them to Chime’s website. There, they can input their debit card number and get the cash into their account instantly. 

This is a free and quick way of sending money if they, or you, if you’re sending money to yourself, already have a debit card. You can then use the debit card to transfer money to a PayPal account. 

READ ALSO: The 7 Online Banks Like Chime (Chime Bank Alternatives)

4. The sender can open a PayPal account

paypal account

There’s a big chance you already have a PayPal account. However, even if you don’t, it’s easy to open one. You can also use it, not only to transfer money to others for free (if there’s no currency conversion), but also to pay for things and services online in a more secure way.

Once you open a PayPal account, you will have to fund it with a non-Chime bank account or debit card. That’s the only downside to it.

You see Chime isn’t a proper bank and many banks, companies, and financial or banking apps do not recognize it as such as well, but more as a prepaid card. For that reason, you can’t transfer money directly to PayPal.

5. Transfer to a common bank account first

If you need to send money to your own PayPal account, you can use a connected common bank account. 

To get started, link the same bank account or debit card to both Chime and PayPal and transfer money to the account. After that, you can forward the cash to your PayPal balance. 

The process should be free as long as you aren’t exchanging dollars for another currency when forwarding to PayPal. In that case, PayPal will charge outrageous fees and we don’t really recommend it. There are far better alternatives out there. 

READ NEXT: Chime Bank Vs Aspiration: The 6 Key Differences

Things to avoid

chime to paypal things to avoid

Even with the rise of digital banks, PayPal is still one of the most used and most convenient ways of paying or transferring money. 

It’s easy to use because almost everyone has it and they’re comfortable using it, so it’s a great way of sending money to friends or buying stuff on Craigslist, plus it has a market-leading Purchase Protection.

Where PayPal doesn’t excel though is the currency conversion. Now, if you are only sending money in US dollars and aren’t exchanging it for, let’s say, Canadian dollars, this shouldn’t worry you.  

However, if you’re making any international transfers to a different currency, you’ll be paying an arm and a leg. 

You see, PayPal attaches a fixed fee plus an exchange rate margin fee that’s anywhere from 2.5 – 4.5%. These fees make PayPal excessively expensive to use if you need to make a currency exchange. 

For those reasons, we recommend other ways of transferring money worldwide or between currencies. One of the best alternatives is Wise, however, there are many other great alternatives as well.

Transferring Money From PayPal to Chime

So, sending money from Chime to PayPal is a bit complicated. But what about sending money from PayPal to Chime?

Luckily, you can link your Chime account to PayPal, and that way you can transfer money to your Chime account. You will need your Chime routing and account numbers that you can find under the Settings in the Move Money section in your Chime app. 

To add your Chime account on the PayPal app:

  1. Tap on the wallet icon
  2. Tap “+” beside Banks and cards
  3. Tap “Banks”
  4. Log in to your online banking to link your account instantly, or 
  5. Add Chime manually by using account and routing numbers

If you opt into doing it manually, you’ll have to keep an eye on your Chime statement in the next three days to see two small deposits up to $1. You’ll have to then go back to the PayPal app to input these two amounts to verify your Chime account. 

Although this should work flawlessly, there are some talks by people having trouble adding their Chime account for the same reason you can’t send money from Chime to PayPal. Nevertheless, it doesn’t hurt to try. 


To conclude, perhaps the best way of sending money from Chime to PayPal would be to get a PayPal debit card that you can use to easily get money from Chime and into your PayPal balance.

This might slow things down as it might take some time to get the card to your address. 

Nevertheless, we showed you five good ways of transferring money between Chime and PayPal and we’re sure that at least one will work for you. 

Was the Article Useful to You? Share:
About the Author:

Leave a Reply

Your email address will not be published. Required fields are marked *

As Seen On...
forbes logo
usnews logo
wall street journal
yahoo finance
techcrunch logo
bbc logo