How do refunds work?

After a merchant issues a refund, it usually takes up to five business days for the money to appear in your account. Keep in mind that this processing timeline is based on when the merchant issues the refund back to your account. Any processing timelines on the merchant’s side are out of our control. There’s nothing that Chime can do to speed up refunds.

Frequently asked questions

What's the best way to request a refund from a merchant?

For online purchases, try doing a web search for the merchant’s name plus the word "refunds" or "returns." The merchant’s website may also have a "Contact Us" or "Customer Support" section with instructions for starting a refund or return.

If you purchased merchandise or a service in a retail location, you can usually call the merchant or visit them in person to request a refund.

Tip: If you’re requesting a refund for a subscription or membership service, consider including the following in a chat or webform message: "I would also like to cancel any future services or purchases related to this transaction."

Can I track my refund’s status?

As soon as the merchant issues the refund and your money is on its way, you can track its progress in your Chime app. When your money arrives, we'll let you know.

It's best to contact the merchant if five business days have passed and you still haven't received your refund. Online merchants may provide tracking information on their websites. Trying searching the web for their name plus "refunds" or "returns."

What if I couldn’t get a refund from the merchant?

If you tried working with the merchant and weren’t able to fix the problem, read How do I dispute a charge on my card?

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