In today’s digital world, moving money between accounts should be quick, easy, and reliable. If you use PayPal for online payments and Chime for everyday banking, you might be wondering how to send money from PayPal to Chime. The good news? It’s simple once you know the right steps.
This guide will walk you through everything you need to know, including how to link Chime to PayPal, transfer methods, processing times, and tips to avoid issues.
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Can You Send Money From PayPal to Chime?
Yes, you can transfer money from PayPal to your Chime account. Since Chime operates as an online bank, you can link your Chime checking account and routing number to PayPal, just like any traditional bank account. Once linked, you can easily move funds from PayPal to Chime.
Step 1: Get Your Chime Account and Routing Number
To send money from PayPal to Chime, you’ll need two key details:
- Chime Routing Number – used to identify the bank.
- Chime Account Number – unique to your account.
You can find both inside your Chime app:
- Open the Chime app.
- Tap on “Move Money.”
- Select “Direct Deposit.”
- Copy your account and routing number.
ALSO READ: How to Withdraw Money from Cash App: The Complete Guide
Step 2: Link Chime to PayPal
Now that you have your Chime banking details, it’s time to add them to PayPal:
- Log in to your PayPal account.
- Go to “Wallet.”
- Click “Link a bank account.”
- Choose “Manual Entry.”
- Enter your Chime routing number and account number.
- Confirm and save.
PayPal may send two small test deposits to verify the account. Once verified, your Chime account will be fully linked to PayPal.
Step 3: Transfer Money From PayPal to Chime
Once your Chime account is linked, transferring funds is straightforward:
- Open PayPal and go to your Wallet.
- Tap “Transfer Money.”
- Select “Transfer to your bank.”
- Choose your Chime account.
- Enter the amount you want to send.
- Confirm the transfer.
How Long Does It Take?
- Standard Transfer (Free): 1–3 business days.
- Instant Transfer (Fee applies): Typically within minutes, but requires linking your Chime debit card instead of your bank account.
Fees for Sending Money From PayPal to Chime
- Standard transfer: Free.
- Instant transfer to Chime debit card: 1.75% of the transfer amount (up to $25 max).
Tips for Smooth Transfers
- Always make sure your Chime details are correct before linking.
- If possible, use standard transfers to avoid fees.
- Keep your PayPal and Chime accounts in your own name to prevent transfer delays.
- Monitor your email for PayPal’s verification messages when linking accounts.
Final Thoughts On How to Send Money From PayPal to Chime
Transferring money from PayPal to Chime is simple once you’ve linked your Chime account or debit card. Whether you prefer free standard transfers or instant transfers for a fee, both options make it easy to move your money.
By following this step-by-step guide, you can enjoy faster access to your funds and manage your finances smoothly.