How to Transfer Money from Chime to Paypal: Bridging the Gap

Written By Branson Knowles
  • There is no direct way to transfer money from Chime to Paypal, but there are alternative methods that are easy.
  • Chime’s unique Pay Anyone feature allows users to send money to anyone with an active debit card. So, you can send money from Chime to a Paypal Debit Card.
  • Another option is to transfer your Chime balance to a bank account before transferring it to Paypal.

Chime and Paypal are both great choices for anyone looking for somewhere to receive direct deposits or transfer money to their friends. While you can make transfers to other users, how do you transfer money from Chime to Paypal?

Unfortunately, there is no direct way to transfer money from Chime to Paypal. You can, however, send money from Chime to a Paypal debit card and transfer it through the card. You can also transfer your Chime balance to a bank before transferring it again to Paypal.

There are a ton of fintech companies out there that have a lot of the same financial products: Venmo, Cash App, Paypal, and Chime.

While they all operate in a similar manner, they don’t allow their customers to transact with each other off of their platforms, except for Chime.

Chime is the only one amongst its fintech peers to allow its user to pay anyone.

Their feature, called Pay Anyone, lets you pay anyone with an active debit card. The recipient then has 14 days to retrieve their funds from the link you sent and they don’t even need to download Chime to do so.

If you’re trying to send money from your Chime account to someone on Paypal, or to your own account on Paypal, you could try sending it to a Paypal debit card through Chime’s Pay Anyone feature.

Linking a bank account may be the most reliable way to make the transfer.

If you have a bank account, you can link it to your Chime account for free and transfer your funds to it first before sending them to Paypal. 

chime linking external account

How to Transfer Money from Chime to Paypal through the Paypal Debit Card

Paypal offers their users a debit card so that they can use their Paypal balance wherever Mastercard is accepted.

The debit card functions just like any other debit card from a traditional bank would, meaning you can use it to conduct transfers from Chime as well. 

To use Chime to pay someone on Paypal, start by opening the app and heading to the Pay Anyone feature.

The Pay Anyone button is the third from the bottom on Chime, when you click on it you’ll see a search bar allowing you to pay people through their name, email, contact, or $chimesign.

pay anyone

Obviously if you’re sending money to an account on Paypal there won’t be a $chimesign connected, so you can look up your recipient by their email or phone number.

So long as you have enough funds in your Chime account, you can transfer them.

The Paypal debit card has to be linked to the email or phone number in question in order to accept the transfer.

Once the transfer has been accepted though, the funds should be fully moved over and can be used in the Paypal account. 

How to Transfer Money from Chime to Paypal through a Linked Bank Account

One of the easiest ways to fund any fintech account is through a linked bank.

Banks make it simpler than anyone to move and manipulate your money: whether it’s through online transfer or through ATMs that can give you cold hard cash.

If you’re transferring money from your own Chime account to your own Paypal account, using a linked bank account as a middleman can save you a lot of trouble, especially if you don’t have a Paypal debit card. 

chime bank account transfer

You can complete every step of the transfer from your smartphone.

Start by heading to Chime and going to the Move Money tab, the second of the four tabs at the bottom of Chime. Click on Transfer funds in the Transfer money and pay bills section.

To send funds to an external account, you’ll have to link it. Chime uses Plaid to link external accounts to their platform.

Working for topmobilebanks.com, I have written about Plaid dozens of times. It’s one of — if not the — most popular fintech connection services out there.

Plaid is used by just about all of your favorite fintech companies, ranging from Venmo and Cash App to Paypal and Chime.

They use the latest and greatest in online security to make sure your transfers are processed quickly and safely. 

paypal add banks and cards

You can link your bank account to Chime through Plaid and through your own bank’s online platform.

If you use a major American bank, one of the traditional ones like Chase Bank or Bank of America, you can login like you normally would when you go to check your balance.

Once you’re logged into your bank’s side of things, they’ll verify with you that you want to share your information with both Plaid and Chime.

Plaid will need access to your information to make sure you have enough money to complete the transfers you’re trying to make. 

chime uses plaid

Once the connection is complete, you’ll be able to move money from your Chime account to your bank account, and vice versa, all through the Chime app. 

Connecting your bank account to Paypal works the same as Chime.

You can do it through the Paypal app and you’ll use Plaid again, logging in through your own bank’s online platform. 

linking the bank account

To transfer money from Chime to Paypal through the linked bank, first send it to your bank account through the Chime after before requesting it on the Paypal app.

I would wait until the Chime transfer has moved over into your bank account completely before requesting the funds on Paypal.

How Long Does it Take to Transfer Money from Chime to Paypal?

You can’t transfer money from Chime to Paypal in a straight shot, so it’s no surprise a lot of Chime and Paypal users wonder how long it will take to move their funds from app to app. 

If you send money from Chime to the Paypal debit card, accepting it there, and moving it to the larger Paypal account, it could take anywhere between 1-3 business days. 

From my experience, the more you use the transfer method, the quicker it becomes. 

If you send money from Chime to a linked bank account and then send it from the bank account to Paypal, it could take even longer.

Transferring from Chime to a linked bank account takes about 1-3 business days and doesn’t usually take longer than 5 business days.

You’ll then face another transfer period when you request your funds to be sent to Paypal.

It will take anywhere between 3-5 business days to move funds from your bank account to Paypal, oftentimes taking all the way to the 5th day to complete the transfer. 

In total, transferring money from Chime to Paypal using a connected bank account can take up to 8 business days. Much longer than the 1-3 it can take using the Paypal debit card.

I use Paypal and can say that it takes some time to move funds using it.

Whenever I transfer funds to Paypal from my bank account, the funds will leave my account within one business day but will almost always take up to five to get there. 

Can You Send Money to Someone from Chime if They Don’t Have Chime?

One of Chime’s best features is the ability to send anyone money from Chime, even if they’re not a user of the app themselves.

They don’t need to use Chime or even download the app, all they need to do is accept the transfer on a valid debit card. 

You can start and finish the transaction all within the Chime app, and there’s not a fee to send or receive the money too. 

Recipients will receive a link from Chime taking them to their funds online. They can use their debit card to claim it. 

While you can send money from Chime to non-Chime users, you can’t request funds the same way. 

More Useful Articles About Banking With Chime

About the Author

Lead Researcher, Digital Banking in the U.S. at TopMobileBanks

Branson Knowles is a former banker and current writer at TopMobileBanks.com.

During his years banking, he helped his clients discover their financial freedom through smart savings and spending goals. He started as a teller before becoming a banker and obtaining his federal licenses, furthering his clients' on their financial journeys.

After becoming one of the top producing bankers in the state, Branson decided it was time to pursue his own financial freedom. He started writing freelance finance articles before joining TopMobileBanks.com, breaking down banking like only an ex-banker could.

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