What is Chime’s Virtual Card?

Chime's virtual card lets you make transactions quickly and securely. It functions separately from your physical card and has a unique card number. As soon as you sign up for Chime, you'll be able to use your virtual card to make purchases and pay bills until your physical card arrives in the mail.

You can use your virtual card in three ways:

  • Make Tap2Pay transactions by adding it to your digital wallet (e.g., Apple Pay or Google Pay).
  • Shop online with the card information.
  • Set up payments for recurring transactions or subscriptions using the card information.

Go to Settings and tap Cards in your Chime app to see your virtual card. In this section of the app, you can also replace your virtual card information if it’s ever compromised. Learn more about it in Where can I find and manage my cards in the Chime App? 

It's important to remember that you can't use your virtual card to withdraw cash at ATMs or to receive cashback from retailers. For those actions, you'll need to use your physical card.

Just a heads up! 

The virtual card will be available to all members over the next few months. Thanks for being patient while we get everything ready for you!


Frequently Asked Questions

How do I set a PIN number for my virtual card?

You don’t need to set a PIN for the virtual card because you can’t use it to access ATMs at this time. 

Why don’t the card numbers in-app match what’s on the physical card I received? 

The virtual card has its own unique card number, different from the physical card. 

Can I add money to my account using my virtual card?

You’ll need to wait until your physical card arrives to withdraw or deposit cash using our network of ATMs. In the meantime, you can move money into and out of your account via Bank Transfer.

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Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC. The Chime Visa® Debit Card is issued by The Bancorp Bank, N.A. or Stride Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted. The Chime Visa® Credit Builder Card and the Chime Visa® Cash Rewards Card are issued by Stride Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see back of your Card for its issuing bank.

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