You can send money to anyone, whether they are a Chime member or not. You can only request money from other Chime members.
To request or pay money with Pay Anyone in your Chime app:
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- On the Home screen, tap Pay.
- Tap either Request or Pay.
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Search for a friend by name, $ChimeSign, email address or phone number
- Note: You can only request money from other Chime members
- Note: You can only request money from other Chime members
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Enter the amount you want to pay or request.
- Make sure you have enough money in your Checking Account. If you don’t, you may have the option to add an external debit card to cover the transfer. If that’s not available, you can transfer from your Savings Account to your Checking Account before trying again.
- Make sure you have enough money in your Checking Account. If you don’t, you may have the option to add an external debit card to cover the transfer. If that’s not available, you can transfer from your Savings Account to your Checking Account before trying again.
- Add a message if you want.
- Tap Pay or Request.
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After you send a request, the other person will receive a text message or email from Chime.
If you send money to someone who is not a Chime member, they'll have 14 days to accept the money by entering their debit card details. If they don't, the money comes back to your Checking Account. Unclaimed payments to non-members can be canceled in the app, but payments to other Chime members are instant* and irreversible. For more information, read How do I accept a Pay Anyone transfer if I’m not a Chime member?
If you’re having trouble with sending a request, visit How can I troubleshoot issues while trying to send a Pay Anyone transfer?
Frequently asked questions
How long until a Pay Anyone transfer request shows up?
Transfers between Chime members are typically instant*. Non-members have 14 calendar days to accept the transfer, or it’ll be returned to the sender.
What if I send money to the wrong person by mistake?
Transfers to Chime members are instant* and irreversible. If the phone number or email you send money to is linked to a Chime account – even if you didn’t realize it or the recipient forgot they had one – the funds will automatically be deposited into that account. Please make sure your payment details are correct before confirming, as our Member Services team can’t cancel or reverse these transfers. If you’re unsure, confirm the recipient’s $ChimeSign (if they’re a member) and/or send a small payment first to confirm it's the right person.
Transfers to non-members can be canceled if they haven’t yet claimed the payment.
If you accidentally send money to the wrong person or for the wrong amount, we suggest sending them a payment request for the amount with Pay Anyone. For more details, see Can I file a dispute for a Pay Anyone transfer?
Check your Deposit Account Agreement for details.
How can I see my Pay Anyone activity?
You can view your activity on the Pay Anyone home screen in your app. To check your transactions with other people, select a recipient’s name in the feed.
Your activity feed is private to you.
*Funds are automatically debited from your Checking Account and typically deposited into the recipient’s Checking Account within seconds. Pay Anyone transactions will be monitored and may be held, delayed or blocked if the transfer could result in fraud or another form of financial harm. Sometimes instant transfers can be delayed.