How to Send Money From Chime to Cash App (2026)

Chime is a financial technology company that offers checking and savings accounts through its partner banks, The Bancorp Bank and Stride Bank — both FDIC members. Chime provides users with a standard routing number and account number, allowing it to function like a traditional bank account for ACH transfers, direct deposit, and bill pay.

Cash App is a mobile payment platform operated by Block, Inc. that functions both as a peer-to-peer payment service and as a quasi-banking product with a Visa debit card and optional banking features. Cash App allows users to link external bank accounts via routing and account numbers, which is how the Chime-to-Cash App transfer works.

Because they are separate platforms, you cannot send money directly from one to the other through a shared interface. To deposit cash directly into Chime, see our guide on how to deposit cash into Chime. The transfer routes through the ACH banking network using Chime's bank account numbers.

Before you can transfer from Chime to Cash App, you need to link your Chime account to Cash App. Follow these steps:

1. Find your Chime routing and account numbers: Open the Chime app, go to Settings, then select "Account Info." Your routing number and account number are displayed there. Write them down.
2. Open Cash App and log into your account.
3. Tap the Banking tab (the dollar sign icon at the bottom of the screen).
4. Tap "Add Bank" or navigate to the linked accounts section.
5. Select "Routing and Account Number" as the linking method instead of debit card.
6. Enter your Chime routing number and account number exactly as they appear in your Chime app.
7. Verify the account — Cash App may send two small test deposits (micro-deposits) to your Chime account within 1–3 business days, which you will need to confirm in Cash App to complete verification.

Once your Chime account is linked and verified in Cash App, follow these steps to add funds from Chime to your Cash App balance. If you need to add money to Cash App by other methods, there are several options available.

1. Open Cash App and tap the Banking tab (dollar sign icon).
2. Tap "Add Cash" — this pulls funds from a linked bank account into your Cash App balance.
3. Enter the amount you want to transfer from Chime.
4. Select your linked Chime account as the funding source.
5. Confirm the transfer — review the amount and source before tapping Add.
6. Wait for the funds to arrive — standard bank transfers from Chime to Cash App typically take 1–3 business days. Cash App does not offer instant deposits from external bank accounts.

Alternatively, you can transfer money from Chime to another person's Cash App by sending money from Chime to that person's verified bank account directly via the ACH network, if you know their bank details — though this bypasses Cash App entirely.

Cash App imposes limits on how much you can add from a linked bank account. To add money to Cash App for free, see where you can add money to Cash App for free. Unverified Cash App accounts may have lower limits. Verifying your identity in Cash App — by providing your full name, date of birth, and last four digits of your Social Security number — typically increases your limits.

Standard bank transfers from Chime to Cash App are generally free through both platforms. Chime does not charge fees for outgoing ACH transfers. Cash App does not charge fees for standard bank deposits. However, if you use a debit card to add money to Cash App, a fee of approximately 3% of the transaction may apply.

Chime may have daily transfer limits depending on your account type and standing. Review your Chime account settings for the current outgoing transfer limit applicable to your account.

Standard ACH transfers from Chime to Cash App typically take 1–3 business days to complete. To understand what counts as a business day, see our guide on how long a business day is. The exact timing depends on when during the business day you initiate the transfer, as ACH transactions are processed in batches throughout the day by the Federal Reserve's ACH network.

If you initiate the transfer on a Friday afternoon, Saturday, Sunday, or on a federal bank holiday, it will typically not begin processing until the next business day. Plan your transfers accordingly if you need funds available by a specific date.

If your Chime-to-Cash App transfer fails or is not processing, check these common causes. You can also check if Chime is experiencing an outage before troubleshooting further.

• Incorrect routing or account number: Re-verify the numbers in your Chime app under Account Info. Even one wrong digit will cause the transfer to fail or be returned.
• Unverified Cash App account: Cash App may restrict bank transfers for unverified accounts. Complete identity verification in the app.
• Insufficient Chime balance: The Chime account must have sufficient funds at the time Cash App initiates the pull.
• Bank account not linked: Ensure the micro-deposit verification step was completed. Until verified, the account cannot be used for transfers.

If a transfer fails and funds appear to be missing, contact Cash App support through the app and your Chime bank support. If a transfer is returned due to an error, funds typically reappear in the source account within 2–5 business days.

Both Chime and Cash App transactions involving real bank accounts and routing numbers should be treated with care. If you have been the victim of a Cash App scam, learn how to get money back on Cash App if scammed. Never share your Chime account number, routing number, or Cash App PIN with anyone who contacts you unsolicited — by phone, text, email, or social media. Neither Chime nor Cash App will contact you to ask for this information as part of a security check.

Enable two-factor authentication (2FA) in both apps if you have not already. Report any unauthorized transactions immediately to your financial institution. Under Regulation E, you have rights regarding unauthorized electronic fund transfers, and your bank is required to investigate reported errors.