Can You Send Money From Cash App to Chime?

Cash App and Chime are separate financial platforms that do not have a direct peer-to-peer transfer link. However, Chime provides its customers with a routing number and account number — the same credentials used for any standard bank account. Cash App allows you to link an external bank account using these credentials and then transfer funds from your Cash App balance to that account.

Once your Chime account is linked to Cash App as a bank account, you can initiate a standard cash-out transfer from Cash App to Chime. This process uses the ACH (Automated Clearing House) network — the same system used for direct deposits and most electronic bank transfers in the United States. The CFPB provides consumer guidance on peer-to-peer payment platforms and electronic transfers, including your rights if something goes wrong. Understanding how long an ACH transfer takes helps you plan your transfers around your financial needs.

Before you can transfer funds, you need to link your Chime account to Cash App. Follow these steps. First, find your Chime routing number and account number — open the Chime app, go to your account details or settings, and locate your bank account information. Your routing number identifies Stride Bank, N.A. or The Bancorp Bank (Chime's banking partners); your account number is unique to your Chime account.

Next, open Cash App and tap your profile icon. Select "Linked Banks," then choose the option to add a bank account manually. Enter your Chime routing number and account number when prompted. Cash App may perform a small verification step — follow the on-screen instructions to complete the linking process. Once linked, your Chime account will appear as an available destination when you initiate a cash-out transfer from Cash App. If you need to provide a voided check for Chime account verification, our guide on what a void check is explains how to create one.

Once your Chime account is linked, open Cash App and tap the "$" icon or the balance amount on the home screen. Tap "Cash Out" and enter the amount you want to transfer. Select your linked Chime bank account as the destination. Choose your transfer speed: standard (free, takes one to three business days) or instant (available for a fee, typically arrives within minutes to hours). Review the transfer details and confirm.

Keep a record of the transfer confirmation. Once initiated, standard ACH transfers generally cannot be cancelled — review the amount and destination carefully before confirming. Cash App will notify you when the transfer is complete, and funds should appear in your Chime account within the stated timeframe. If funds do not appear within three business days, contact Cash App support through the official app. For related guidance, our article on how to deposit cash into Chime covers other ways to fund your Chime account.

Cash App imposes limits on how much you can transfer depending on your account verification status. Unverified accounts have lower sending and transfer limits — verifying your identity by providing your full name, date of birth, and Social Security number typically increases your limits significantly. Check the current limits in your Cash App account settings, as these may change.

Standard transfers from Cash App to a linked bank account (including Chime) are free and typically arrive within one to three business days. Cash App also offers an instant deposit option for an additional fee, which may be expressed as a percentage of the transfer amount with a stated minimum. Review the fee amount before selecting the instant option, as fees may change over time. For context on what a standard business day transfer window looks like in practice, see our guide on how long one business day is.

When using any peer-to-peer payment platform, protect your login credentials and never share your PIN or one-time verification codes with anyone — including people claiming to be Cash App or Chime support. Enable two-factor authentication in both apps. Legitimate support staff for both platforms will never ask for your account password or security codes.

If you notice an unauthorized transfer from your Cash App balance or your Chime account, report it immediately through each app's official support channel. You may also file a complaint with the CFPB at consumerfinance.gov. Under the Electronic Fund Transfer Act, your liability for unauthorized transactions may be limited if you report them promptly — typically within two business days of discovering the unauthorized activity. If you've been scammed through Cash App, our guide on how to get money back on Cash App if scammed walks through the recovery process.