A virtual card is a digital version of your physical Chime card. It has its own unique card number but shares the same PIN and is linked to the same Chime Account as your physical card.
Both your physical and virtual cards are linked to the same Chime Checking Account. The virtual card lets you shop securely online, set up subscriptions, and pay in stores by adding it to your mobile wallet.
Key benefits
Digital and secure: Your virtual card lives in the Chime app. You can also add it to your mobile wallet so it’s always available, even if you don’t have your physical card.
Connected to your account: Like your physical card, your virtual card pulls funds from your Chime Checking account.
Ready to use: Start using it immediately—no need to wait for a physical card in the mail.
- Same PIN: Your virtual card shares the same PIN as your physical card, so there’s no extra setup.
What it can’t do
You can’t deposit cash directly with your virtual card. To deposit cash, use your Chime Visa® Debit Card at a retail location or generate a barcode in the Chime app. Learn more in How do I deposit cash into my Chime Account?