4 Ways to Withdraw Money from Chime without a Card (2023)

Written By Branson Knowles

Chime users can withdraw their funds from the Chime debit card. But how do you withdraw money from Chime if you don’t have the card? Over a million Chime users use the app without a card, so it’s not uncommon.

To withdraw money from Chime without a card you can either transfer it to an external account, mail it as a check, or send it to a friend who can help you withdraw it, or you can use your account and routing number to pay bills.

Chime gives you a couple of different options if you’re looking to withdraw your funds without using your debit card.

Some aren’t as easy or reliable as others, but I wanted to include them in this article to give you a full perspective of your choices.

How to Withdraw Money From Chime without a Card by Transferring your Balance to an External Account

chime move money

Here’s a step-by-step summary for withdrawing Chime balance without a card:

  1. Link your traditional bank account to Chime manually or using Plaid.
  2. Log in to your Chime app and head to the Move Money tab.
  3. Click on Transfer funds, and select the external linked account.
  4. Choose the amount you want to transfer and confirm the transaction.
  5. Wait for the money to arrive in your external account within 1 to 3 business days.

One of the easiest ways to withdraw your balance from Chime without a card is to send your balance to an external linked account.

If you have a bank account with a traditional bank, like Chase Bank or Bank of the West, sending your funds there first may be the easiest way to get them.

Chime makes it simple to transfer funds to an external account. The process is completely free too, and your money should arrive within a couple of business days. To initiate the transfer, you must first link your bank account to Chime. 

Chime uses Plaid to connect external bank accounts to their service. If you’re unfamiliar, Plaid is a fintech company used by Venmo, Paypal, and Cash App to connect external bank accounts quickly and securely.

It’s a hugely popular service that works with enough major companies to make me feel rest assured about its quality, at the very least.

Plaid will allow you to connect your account through your bank’s online platform. When you first connect your accounts, Plaid will ask you if you’d like to log in through your bank by giving you a list of popular banks to choose from. If yours isn’t on the initial list, you can always use the search bar.

Once you’ve found your bank, and logged into your online platform, you can safely connect your account to Chime. If you ever want to disconnect your account, you should be able to do so directly through your bank. 

If you don’t want to make the connection automatically though and prefer to make it manually, you can.

You can always enter your account number, routing number, and the name of the bank you do business with instead. With that information, Chime can connect to your account and begin making external transfers.

To transfer funds from Chime to an external account, start by logging into your Chime app. If you have a PIN adding a layer of security to your Chime account, enter it now. 

Once you’re in Chime, head to the Move Money tab. It’s the second of the four tabs towards the bottom of the screen. After opening the Move Money tab, you should see another tab dedicated to transferring money and paying bills.

In this tab is a button that reads Transfer funds. Click on transfer funds to withdraw your money from Chime without a card. If you don’t have a connected account, Chime will prompt you to connect one. 

Once your accounts are connected, you can choose to send over either the entirety of your Chime balance or just a portion of it. Sending funds is completely free with Chime, and they; ‘ll get to your account in one to three business days.

Sometimes, Chime needs to take a little bit longer to review your transaction, or they’re just busy, and they can take even longer to send your transfers, but usually not longer than five business days.

Chime does have limits for how much they’ll allow their users to transfer out through ACH transfers. They have a daily limit of $10,000 per day and $25,000 per month.

chime account limits

How to Withdraw Money from Chime without a Card by Sending a Check

mail a check from chime

Here’s a step-by-step summary for mailing a check from Chime:

  1. Open the Chime app and go to the Move Money tab.
  2. Click on Mail a check and choose whether you’re paying a business or an individual.
  3. Provide the recipient’s name, address, and the dollar amount.
  4. If you’re paying a business, also provide your account number with them.
  5. Confirm the information and submit the request.
  6. Chime will process the check request the next business day and send it to the recipient within 3 to 9 business days.

Online banks and regular banks alike recognize that their customers use their services to pay their bills regularly.

While you can use a debit card to pay them, some customers like paying them the old fashioned way by sending a check in the mail.

If you are looking to withdraw funds from your Chime balance and you have some bills to pay, sending a check in the mail from your Chime account might be the best thing for you. 

To mail a check from Chime, start by opening the Chime app. Head to the Move Money tab, the second of the four tabs at the bottom, and click Mail a check.

Chime will show you a screen detailing their ability to send a check to businesses and individuals on your behalf. They only need to know to who they’re sending the check and for how much, and they’ll be able to get it on its way.

Once you click through that screen, Chime will ask who you’re paying: a business or an individual. If you’re paying an individual, Chime will ask for their name and full address before asking for the dollar amount.

If you’re paying a business, Chime will ask for the name of that business as well as your account number with them and their full address. 

chime check who are you paying

Chime processes mailed check requests at 8 am MST the next business day. It takes them three to nine business days to get the checks to your intended recipient, so keep that in mind if you’re close to the deadline for an overdue bill.

Currently, there are no limits to how many checks you can send per day. You can send your checks to any of the 50 states and can even cancel them while they’re on their way before the checks have been cashed.

There are limits to Chime’s checkbook payments, however. You can send checks in the amount of $10,000 per check and can send up to $25,000 per month.

While it may be a very specific option, if you have funds in Chime you want to withdraw but don’t have a connected debit card, consider mailing your money in the form of a check to anyone you want to pay.

How to Withdraw Money from Chime without a Card by Sending Your Money to Another User (Or Non-User)

  1. Find a trusted friend or family member who uses Chime and has a debit card or has another bank they’ve connected to.
  2. Use the Chime app to send the funds you want to withdraw to your friend or family member.
  3. Your friend or family member should receive the funds instantly in their Chime account.
  4. Your friend or family member can withdraw the funds as cash using their Chime card or transfer it to their bank account.
  5. If your friend or family member doesn’t have a Chime account, you can still send them money by entering their valid debit card number in the Chime app.
  6. Non-Chime users have 14 days to accept the transfer, and once they do, they can withdraw the money as cash from their bank.

Getting cash from an online bank can be difficult. They don’t have any physical locations you can go to in person to plead your case, and you can’t go to an ATM without a debit card. The one major benefit of using an online bank, though, is the ability to send your funds to others.

If you have a friend or family member you trust who uses Chime and either has a debit card or has another bank they’ve connected externally, you can send them the funds you want to withdraw and have them complete the transaction for you.

Chime transfers are instant, meaning once you send the funds over, they’re gone. Your friend should get them in their account the moment you hit send, and from there, they can either withdraw them as cash using their Chime card or transfer it to their bank account.

One of Chime’s most unique features is a feature that allows you to send money to anyone, even non-Chime users! If one of your friends or family members has a debit card but doesn’t have Chime, you can still send them money. 

By entering a valid debit card number, non-Chime users can accept transfers sent from the Chime app. They have 14 days to do so, and once they do, they can withdraw the money as cash from their bank.

How to Withdraw Money from Chime without a Card by Using Your Chime Routing and Account Number (Bill Pay)

chime pay bills

Here are the steps to withdraw money from Chime without a debit card by paying bills electronically:

  1. Go to the Move Money tab on Chime.
  2. Click on Pay bills electronically.
  3. Chime recommends using a debit card.
  4. If you want to use your account and routing numbers to make a payment, they can be found at the bottom of the screen.

I’ve already gone over how to pay your bills with Chime through a check in the mail, but that’s not the only way to pay bills through Chime.

If you have money in Chime you’d like to withdraw but don’t have a debit card, you can always send your funds electronically. 

Electronic bill pay has become one of the most popular and consistent ways to make sure your bills are paid.

Many of us have several monthly, recurring bills we’d like to just put on auto pay and forget about.

Chime allows you to save yourself the hassle of mailing in a bill and will let you pay it automatically from their platform.

To withdraw your money from Chime without a card by paying a bill, head to the Move Money tab. It’s towards the bottom of the screen. Once you’re inside the Move Money tab, click on Pay bills electronically. 

When you first head to the pay bills screen, Chime will recommend you use a debit card to pay your bills instead. As an ex-banker, I couldn’t agree more.

When you give someone your account number and routing number, you’re giving them everything they need to transact on your account. When you give them a debit card number, however, you’re adding a layer of security to your money.

Chime furthers this point by adding that most, if not all, billers accept debit cards as a form of payment. If you still want to use your routing and account numbers to make your payment, you can, and Chime will provide them for you at the bottom of this screen.

If you’re still looking for your routing and account numbers, you can find them in your settings right by your limits.

finding chime routing and account numbers

Does Chime Have a Virtual Card?

A lot of Chime users wonder if they have a virtual card through Chime they can use through their digital wallet. They do if they have the Chime card.

If you have the Chime card, you can add it to any digital wallet, including Apple Pay, Google Pay, and Samsung Pay.

Adding the card is free and instant; once the card is in your digital wallet, it can always be used for your transactions.

You can use the Chime card through a digital wallet anywhere Visa is accepted. 

Can You Transfer From Chime to Cash App?

There are a ton of transfer apps out there; Cash App, Chime, and Venmo are just a few examples. If you use one app, you probably can’t interact with someone on another, right?

Right. If you have Chime, you can’t transfer money directly to a Cash App user. Chime, however, is the only transfer app that will let you send money to people who aren’t on the app, including Cash App users

To send money to someone who isn’t on the app, enter in their name or phone number. So long as they have an active and valid debit card they can use, they can accept the money within 14 days of you sending it. 

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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