Chime to PayPal | How to Connect it and whats the limits?

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With more and more people opening online banks and e-wallets, many are wondering how they can send money from chime to paypal. we’re here to show you how it’s possible:

there are three ways to send money from chime to paypal: 1. start the transfer from chime to paypal as bank. 2. transfer to paypal cash card from your chime account.3. transfer money through a linked bank account.

Known for its ease of opening, zero balance maintenance requirements, pay-in-advance features, and automated savings features, chime has quickly become an alternative to traditional bank accounts. there are also many loan providers that support chime. However, despite being a fast-growing online bank for millennials, Chime still has some limitations in functionality that most traditional banks and PayPal users are used to using.

compared to traditional banks, chime does not have international wire transfers. It also has no way to create joint accounts. You may also be disappointed to learn that you have low interest rates. Additionally, some features that are available on PayPal are not yet available on Chime. Chime users are holding on to their PayPal accounts due to a lack of features such as transfers to international banks, unlimited transfer limits for verified users, and the option of instant transfer processing times.

how to send money from chime to paypal

if you are looking for a way to send money from your chime account to your paypal account, there are several ways to do it. In this guide, we’ll show you how to do your preferred method, step by step:

option 1: start the money transfer from chime to paypal as a bank.

1. find chime bank account and routing numbers
2. add chime as bank in paypal.
3. start transfer of funds in paypal.

option 2: transfer money to paypal cash card from your chime account.

1. apply for a paypal cash card.
2. activate your paypal cash card.
3. find your paypal cash card routing and bank numbers paypal.
4. send money from your chime account to your paypal cash card.

option 3: transfer money from chime to paypal using a linked bank account.

1. link your chime account to your external bank account.
2. link your paypal account to your external bank account.
3. send money from your chime account to your external bank account.
4. add money from your external bank account to your paypal.

If you still don’t know how to do it, don’t worry. just follow the steps below:

option 1: start money transfer from chime to paypal as bank

1. Find your Chime Routing and Bank Account Numbers

Because of its associations with BanCorp Bank and Stride Bank, N.A., Chime has its own bank account and routing numbers that are available for your use. To find it, you can use the Chime website or the Chime app.

how to find chime’s bank details using the chime website

If you’re already in your browser and looking for a way to find your chime’s bank details, here’s how:

• Go to the chime website.
• Sign in to your chime account.
• Click “move money“.
• select “settings“.
• type your bank account and routing numbers.

now if you prefer to use your chime app to find your bank details, you can do that too.

how to find your chime bank details using the chime app

Alternatively, if you already have the chime app installed on your mobile device, here’s how to get your bank details using the chime app:

• Go to the chime app.
• Sign in to your chime account.
• Tap “move money“.
• select “settings“.
• make a note of your bank account and routing numbers.

Although your routing number will depend on the bank providing your chime banking services, these are the two possible routing numbers you may have:

After finding your bank’s account and routing number, you can proceed to add it as a bank in paypal.

2. add chime as bank in paypal

there are two ways to add chime as a bank in paypal: through the website or the mobile application. Depending on where you feel comfortable, here are the steps to do it:

how to add chime as a paypal bank through the paypal app

the paypal application is available on both ios and android. You can start the process of adding a bank through the PayPal app and continue it automatically in your mobile browser. To add a bank in PayPal through your mobile device, follow these steps:

• open your paypal app.
• sign in with your paypal account.
• tap “settings”. it will be the icon gear in the upper right corner of the app.
• select “bank accounts and credit cards“.
• press the + icon.
• select “bank account“.
• tap “go to our website“.

The paypal app will then take you to a web browser login form. After filling in your account details, you can do the following:

• expand the menu by tapping the hamburger icon on the top left.
• select “settings“.
• tap “money, banks & cards.”
• under bank accounts, tap “link a new bank account”.
• enter your chime bank details, including account type, routing number and bank account number click “continue“.
• save your account details.

Alternatively, if you want to go through the whole process of adding a bank account in one go, you can also add paypal as a bank through the paypal website. here’s how to do it:

how to add chime as bank on paypal website

if you don’t have your phone with you or prefer not to use the app’s limited functionality, here’s how you can easily add your chime account to paypal:

• go to the paypal website.
• log in to your paypal account.
• click “settings” or the gear icon on the far right of the menu bar.
• on the left side of the screen, click on “money, banks and cards “.
• under bank accounts, click “link a new bank account“.
• enter your chime’s bank details, including the type account number, routing number, and bank account number. click “link your bank“.
• save your account details

3. start transfer of funds in paypal

Now that you’ve added your stamp as a bank in PayPal, we’ll walk you through how to initiate a transfer using PayPal. by doing it this way, the maximum ring transfer limits do not apply.

If you prefer to do this on your desktop or laptop, here’s how to do it using the paypal website:

• go to the paypal website.
• log in to your paypal account.
• click “transfer” on the left side of your dashboard under your balance.
• under the money tab, select “add money to your balance“.
• select chime as the bank.
• enter the amount you wish to transfer from your chime account.
• click “add“.
• confirm the transaction by clicking “add x amount.”

this option is only eligible for countries where paypal allows to use the “add money” function. however, since you own a chime account, you are likely from the united states, where this feature is available.

This process will take between 3 and 5 business days and there will be no additional costs. you can expect to receive an email from paypal after the transaction is confirmed.

Option 2: Transfer Money to your PayPal Cash Card from your Chime Account

paypal has recently launched the paypal cash card which allows you to directly deposit money like a regular bank account, withdraw money from ATMs and work as a master card. While regular PayPal accounts don’t have their own bank details, there is another way to get them: the PayPal Cash Card. In this method, we’ll walk you through everything you need to do to transfer money from your Chime account to your PayPal cash card.

1. verify your paypal account

verifying your paypal account has many advantages. the key benefit is that it removes any caps on your maximum transactions per month. you need to verify your paypal account before you can apply for a paypal cash card.

To verify your paypal account, you must provide your name, email address and contact number. then there are two ways to validate your paypal account:

• apply (and be approved) for paypal credit
• link your bank account, credit card or debit card

once you have done any of these things, you will be allowed to apply for a paypal cash card. To apply for a paypal cash card, see how below:

2. paypal cash card request

with no cost direct deposits, no monthly fees and no minimum balances, the paypal cash card allows you to access funds directly from your paypal balance. It allows you to have access to more than 33,000 ATMs. also includes the mastercard tap & payment function and a zero liability policy.

here’s how to apply for your paypal cash card today:

• go to paypal cash card page.
• click “get card“.
• login in your paypal account.
• tap “more” or the three dots icon in the bottom right corner of your app.
• tap “order a paypal cash card” or “request a cash card“.
• if you haven’t upgraded to a paypal cash account, paypal will will ask you to update before you can continue.
• Confirm your address for delivery.

While it will take around 7-10 days to receive your physical PayPal Cash Card, you can activate it using the following method below:

3. activate your paypal cash card

activating your paypal cash card can be done in a matter of minutes. this allows you to create your own 4-digit pin that you will need to use your card in the future. To activate your paypal cash card, read below.

• go to the paypal cash card activation page.
• log in to your paypal account.
• enter your card expiration date .
• click “activate card.”
• type your 4-digit pin.
• click “create pin”.
• confirm the activation of your card.

once your paypal cash card is activated, you can finally have access to your paypal cash card bank details. here is how to find them:

4. find your paypal cash card bank and routing numbers

both chime and paypal have associations with the bancorp bank, which allows them to have bank details such as routing and account numbers. To find your paypal cash card bank details, follow these steps:

• go to the paypal website.
• log in to your paypal account.
• click “settings” or the gear icon on the far right of the menu bar.
• select “set up or view direct deposit“.
• make a note of your bank account and routing numbers.

after this you can now send a direct deposit to your paypal cash card from your chime app without having to link the two accounts. here’s how to do it:

5. send money from your chime account to your paypal card

To proceed with the money transfer from your chime account, you will need the bank details from the previous section. this method of sending money is similar to a bank-to-bank transfer.

• Go to the chime app.
• Sign in to your chime account.
• Tap “move money“.
• select “transfers“.
• enter your paypal cash card account and routing numbers.

This method is the best option if you plan to transfer to a paypal account that you don’t own, as it doesn’t require you to link your chime account to your paypal cash card.

option 3: transfer money from chime to paypal using a linked bank account

If you don’t want to have to apply for a paypal cash card, our last method doesn’t require you to connect chime and paypal directly. linking a bank account is the best way to transfer money from chime to paypal if you prefer to keep them separate.

1. link your chime account to your external bank account

• Go to the chime app.
• Sign in to your chime account.
• Tap “move money“.
• select “transfers“.
• choose your external bank.
• enter your bank account and routing number.

after you have linked your chime account to your external bank account, you can now proceed to link your paypal to the same account.

2. Link Your PayPal Account to your External Bank Account

In order for you to receive your chime on paypal money sent through a linked external bank account, you must first add it to your paypal account. there are two ways to add a bank on paypal: website or app. this is how you can do either method to link your accounts:

how to add a bank in paypal through the paypal website

• Go to the paypal website and log in to your account.
• click the “settings” icon (it looks like a gear) in the right corner of the screen.
• on the left side, it will click on “money, banks and cards“.
• under bank accounts, click on “link a new bank account“.
• type your bank details, which will prompt you to enter your account type, routing number, and bank number. click “link your bank“.
• save.

You can also perform this action within your paypal application.

how to add a bank in paypal through the paypal application

Although the paypal app allows you to start the process of adding a bank, it requires you to switch to a browser afterwards. this is how you can start adding a bank process through the paypal app:

• open the paypal application and log in.
• tap “settings“. will be the gear icon in the upper right corner of the screen.
• select “bank accounts and credit cards“.
• tap the + icon.
• select “bank account.”
• tap “go to our website.”

After this, the app will redirect you to a web browser where you can log in to your account and access the dashboard.

• expand the menu by tapping the hamburger icon on the top left.
• select “settings“.
• tap “money, banks and cards.”
• under bank accounts, tap “link a new bank account”.
• enter your bank details, including account type, routing number, and bank number Click “continue“.
• save your account details.

once you have successfully linked your paypal account to the same bank account as your chime account, you can finally start the bank transfer procedure.

3. send money from your chime account to your external bank account

chime will provide you with a list of banks that you can link to as an external bank account. From there, you will be able to make chime-initiated or external bank-initiated transfers. here’s how to do it:

• Go to the chime app.
• Sign in to your chime account.
• Tap “move money“.
• select “transfers“.
• enter your bank login details when prompted.

Although chime does not yet support bank transfers, you can get your funds through each transfer. Like typical ATM transfers, you can expect your money to appear in your bank account within 3-5 business days.

also, chime initiated transfers have a lower limit for transfers with a maximum of $200 per day or $1,000 per calendar month. In contrast, transfers initiated by external banks do not have a maximum dollar limit.

4. add money from your external bank account to your paypal

once the money you intended to send from chime to paypal is in your linked bank account, you can continue with the following steps. you have three options to withdraw your money from your external bank account to your paypal balance:

• transfer money to your paypal account from your external bank using the paypal app
• transfer money to your paypal account from your external bank using the paypal site web
• deposit money from your external bank to your paypal cash card

Depending on which app you’re most comfortable with, you can select whether your preferred transfer method is paypal initiated or external bank initiated. we’ll walk you through each option below.

transfer money to your paypal account from your external bank using the paypal app

• open your paypal app.
• log in with your paypal account.
• tap your paypal balance.
• tap “add money.”
• select your external bank details.
• tap “add.”
• enter the amount you want to transfer.
• tap “continue“.
• review your transfer.
• tap “add x amount .”

Alternatively, you can also transfer your funds through the PayPal website. You can do it by following the steps below:

transfer money to your paypal account from chime using the paypal website

• go to the paypal website.
• log in to your paypal account.
• click “transfer” on the left side of your dashboard under your balance.
• under the money tab, select “add money to your balance“.
• select your bell as the bank.</li
• enter the amount you want to transfer from your bank.
• click “add“.
• confirm the transaction by clicking “add x amount.”

this method will take more time than the previous two, but it is better for people who already have their bank accounts linked to chime and paypal.

deposit money from your external bank to your paypal cash card

Different banks will have their own procedures on how to transfer to your paypal cash card. all you have to do is follow them and make sure you enter the correct bank account and paypal cash card routing numbers.

If you’re trying to keep accounts separate for budget reasons, this method is the best way to keep up.

frequently asked questions