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When will I get my refund for a purchase I made?

The time it takes to receive a refund can vary depending on several factors, including the type of transaction on your Chime Visa® Debit Card or Chime Secured Credit Builder Visa® Credit Card. You should know that neither Chime nor its bank partners ever hold refunded money before it’s posted to your account, and we cannot speed up refunds.

Completed transactions

Refunds for completed transactions with online or in-person merchants usually take up to 5 business days (not including weekends or holidays) from the time the merchant issues them.

Once the merchant issues the refund and your money is on its way, you'll be able to check its status in the Chime mobile app. We’ll also notify you when your money arrives.

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If 5 business days have passed and you still don’t have your refund, the best thing to do is contact the merchant and ask for your refund status. Online merchants may have this information available on their website.

Expired authorizations

When you use a Chime Visa® Debit Card or Chime Secured Credit Builder Visa® Credit Card to make a purchase, the transaction is marked as Pending for a few days until the merchant completes the authorization process. Authorizations expire when the merchant doesn't complete the process. As a result, the pending transaction gets marked as Reverted, and your money is returned to your account within 7 business days.

To view an expired (reverted) authorization in the app, follow these steps:

      1. Go to View Transactions under the card you used for the purchase
      2. Tap any transaction marked as Reverted

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Reversed or canceled authorizations

If a merchant cancels a pending transaction on a Chime Visa® Debit Card or Chime Secured Credit Builder Visa® Credit Card, the authorization will be reversed and the money refunded. You should get your money back within 4 business days if this happens. You'll also see a notification in View Transactions under the card you used for the purchase, which you can tap for more details.

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Still having trouble? Get help right away with ChimeBot in the app. You can also call or email us:

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Banking services provided by The Bancorp Bank or Stride Bank, N.A., Members FDIC. The Chime Visa® Debit Card is issued by The Bancorp Bank 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 is 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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