How do I get a higher SpotMe® limit?

Your SpotMe base limit is automatically determined by your account activity and can’t be changed manually by a Chime Member Service agent. But don’t worry – there are a few ways you can temporarily increase your limit. You can:

Exchange SpotMe Boosts*:

Ask a friend who is also a Chime member to boost you
Join an official Chime community to exchange boosts
Read What are SpotMe® Boosts? for more details.

Note: These communities are run by members for sharing relatable Chime experiences and asking general questions. Chime Staff moderates these communities for accuracy but does not provide personal account support. For individual support or updates, contact Chime Member Services.

Look out for SpotMe Bonuses:

From time to time, Chime offers limited-time promos that can temporarily raise your limit.

Learn more about SpotMe Bonuses by visiting What are SpotMe® Bonuses?

Check your safe limit setting:

Even if you qualify for a higher limit, you may have set a safe limit that’s holding your limit down.

To adjust it in your Chime app:

Go to the SpotMe Hub (Visit How do I find my SpotMe® limit? for the step-by-step instructions.)
If the Safe limit is toggled on — you can increase it by adjusting the slider.
Turn off the toggle or tap Edit amount to update your safe limit.

You can also explore other Chime products to help manage short-term expenses, such as MyPay¹ and Instant Loans². To learn more, visit the articles below:

Helpful tips to get the most out of SpotMe

Send Boosts to friends: this can increase your chances of receiving one in return (though not guaranteed).
Maximize Boosts and Bonuses: if you have less than 4 Boosts or under $50 in SpotMe bonuses, you might qualify for more.
- Check the SpotMe page in your Chime app for current offers and eligibility.

*Boosts are available to eligible Chime members enrolled in SpotMe® and are subject to monthly limits.

¹To be eligible for MyPay, you must receive a Qualifying Direct Deposit to your Chime Checking Account in the preceding 36 days as set forth in the MyPay Agreement. A Qualifying Direct Deposit is a deposit from an employer, payroll provider, gig economy payer, government payer, or other permitted sources of income by Automated Clearing House (“ACH”) or Original Credit Transaction (“OCT”). Your MyPay Credit Limit and Maximum Available Advance may change at any time. MyPay is a line of credit and available limits are based on estimated income and risk-based criteria. Eligible members may be offered a $20-$500 Credit Limit per pay period. Your Credit Limit and Maximum Available Advance will be displayed to you within the Chime app. MyPay is currently only available to eligible Chime members in certain states. Other restrictions may apply. See MyPay Agreement for details.

²Loans are made by The Bancorp Bank, N.A.