Why can’t I send money with Pay Anyone?

Check your balance

Make sure there’s enough money in your Checking Account. If needed, you can transfer money from your Savings Account before trying again.

Note: Some members may also be able to fund transfers using a linked external debit card, but limits for these transactions may be lower.

Make sure you or the recipient hasn’t reached Pay Anyone^* limits

You or the person you're sending money to might have hit your Pay Anyone limits.

To check Pay anyone limits, in the app—go to Profile > Account Info > View Limits.
Non-members can claim up to $5,000/month using a U.S. issued debit card.

If you have reached your limit, you'll have to wait until the beginning of next month in order for the limit to reset.

Note: Your limit for Pay Anyone transfers using an external debit card (for example, when funding a transfer) is shared with your Instant Transfers limit. This means you can use your full available limit across both types of transfers.

If your transfer was blocked

If you see a message that says “Pay Anyone is unavailable,” don’t worry – it doesn’t mean the Pay Anyone feature is turned off. It just means that this specific transfer couldn’t be sent. Chime may block certain transfers to help keep your account secure. When that happens, the payment won’t go through and no money will leave your account. You can always try again later or use another payment method if it’s urgent. If the activity continues to appear suspicious, the transfer may remain blocked even after trying again.

If you send money to someone who isn’t a Chime member and they can’t claim the payment, they may see a “Something went wrong” message instead. The payment will stay pending, and they can visit How can I troubleshoot issues with claiming Pay Anyone? for next steps. You can cancel these unclaimed transfers in-app by tapping the transfer, then tap Cancel Payment.

In rare cases, if Chime determines the payment can’t be claimed safely, it will be canceled by Chime and the funds will return to your account. Chime will send you an email or push notification if this happens.

If prompted, complete 2-step verification

When prompted, follow the steps to confirm it’s really you. This keeps your account safe.

Double-check the recipient’s details before sending

Before you make the transfer, make sure all details are correct.

Transfers to Chime members can’t be canceled or taken back once they’re sent.
Transfers to non-members can’t be canceled or reversed after they’ve claimed the money.

To help make sure your money goes to the right place:

Ask Chime members to confirm their $ChimeSign.
Ask non-members to confirm their email or phone number. Confirm it is not associated with an existing Chime member by looking for an associated $chimesign.

Pay Anyone transfers cannot be reversed. Chime does not reimburse funds sent through Pay Anyone. Be careful and always protect yourself from scams. For more tips on staying safe, visit How do I know if I’m being phished? in our Help Center and How to Avoid Scams That Target Chime Members blog post.

Note: Chime will never ask you to send money through Pay Anyone.

Stay alert and protect yourself

Once a Pay Anyone transfer is completed, it can’t be canceled or reversed. For your safety, only send money to people you know and trust. Chime will never ask you to send money through Pay Anyone.

For tips on staying safe:

If you still need help, refer to How do I contact Chime customer service?
^*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.