Digital banking is becoming an important trend in the banking sector.
About 27% of consumers use online-only banks and neobanks like Chime for their banking needs.
In a nutshell, Chime is an online bank that offers a lot of financial services including checking accounts, debit cards, and financial aid letting eligible users borrow money from Chime.
Chime supports cash advance apps which lets users use cash advance apps that work with Chime to get a cash advance before their next payday.
Apple Pay is a contactless payment method that lets Apple users easily pay for their goods and services conveniently and securely.
Moving funds between Chime and Apple Pay will be great. But does Chime work with Apple Pay? Great question.
In this article, we'll see whether does Chime work with Apple Pay and how to transfer money from Chime to Apple Pay.
Table of Contents
Does Chime Work With Apple Pay?
Yes, Chime does work with Apple Pay.
You can add your Chime Visa debit card to Apple Pay by tapping the "Add Credit or Debit Card" feature in the Wallet app on compatible iPhones running iOS 8.1 or later.
Once you've added a Chime Debit Card to Apple Pay, you can transfer money from your Apple wallet to your Chime Card instantly.
However, there's a 1.5% transfer fee (minimum -0.25, maximum fee-$15).
To link your card to Apple Pay, you must first enter your card information, such as the number, expiration date, and so on.
You can also add your Chime Bank Account to Apple Pay directly by entering the Chime routing number and account number in your Apple Pay account.
On the Chime App, navigate to Settings (tool icon on top left), then scroll down to the "Account Information" area from the list of options to see your Chime routing and account information.
From there, you'll be able to locate both your Routing and Account Numbers.
When you add a bank, however, you can only conduct a standard ACH transfer to send your Apple Wallet funds to that Chime Bank Account, which takes 1-3 business days and is not instant like a debit card.
The benefit here is that this transfer is entirely free.
How To Add Chime Card To Apple Pay Wallet
Adding your Chime card to your Apple Pay wallet is as simple as adding any debit card to Apple Pay.
To do so:
- In the Apple Wallet app, tap the Add button.
- Tap Debit or Credit Card.
- Tap Continue.
- Follow the steps on the screen to add your Chime debit card to Apple Pay.
- Verify your information with your bank or card issuer.
- If you have a paired Apple Watch, you have the option to also add the card to your watch.
Using the same processes, you can add your Chime Bank account to Apple Pay by selecting a bank account instead of a debit or credit card. In this case, your Chime routing number and account number will be required.
How to Add Chime To Apple Pay Without Card
You can link your Chime bank account to Apple Pay without a card by providing the Chime account and routing number.
To locate your Chime account number and routing number, go to the Chime App Settings section (gear icon), scroll down to "Account Information," and tap it.
How To Transfer Money From Apple Pay To Chime Card Instantly
Below are the steps to transfer funds from Apple Pay to Chime.
- Open the Wallet app on your iPhone
- Next, tap on your Apple Cash card (which is one on the top with the Apple icon)
- Tap the More icon (three dots on top right)
- Tap Transfer to Bank (on the right, below the card picture)
- Next type in the amount you want to transfer, then tap Next.
- Select Instant Transfer, and select the Chime Debit Card when prompted
You can also transfer funds from Apple Pay to your Chime bank account and the transfer will be a standard transfer which can take 1 to 3 business days to complete.
Chime Card Apple Pay Not Working
If you're having trouble linking your Chime Debit Card to Apple Pay, you'll see a message that says "Could Not Add Card." When you get the "Attempt Again Later" problem when adding a card to your wallet, you can try the following methods to fix it. shoot the problem
- Check if you can use Apple Pay with any other card to see if the problem is specific to Chime Card or is related to Apple Pay Settings.
- If the problem appears to be with the Chime Card:
- On the Chime App, make sure the card isn't disabled or turned off. You can test the card's functionality outside of Apple Pay. If "Allow transactions" is turned off, go to Settings, pick the Card, and toggle on "Allow transactions."
- Remove the Chime Card from Apple Wallet and then re-add it.
- Send an email to the Chime Support staff with your question.
- If the problem appears to be with Apple Pay, make sure you're running the most recent version of Apple iOS.
- Check to see if your iPhone's region is up to date. Your iPhone's nation or area should be one of the Apple Pay-supported countries. To do so, open your iPhone's Settings app (gear icon), then go to "General," then "Language & Region." Check to see if "Country/Region" has been updated to "US."
- You can also try shutting off Apple Cash for 30 seconds and then turning it back on. To do so, go to "Settings" (gear icon), then "Wallet & Apple Pay," turn off the "Apple Cash" toggle, then wait 30 seconds before turning it back on.
- Another diagnosis you can try is sign out of iCloud and sign back in
Chime is also compatible with the Apple Watch. Also, if Chime Spot Me is enabled on your Chime Debit Card, you can use it to make a payment using Apple Pay. The transaction must be entirely on Chime Card, which you have added to Apple Pay, for this to work.
Does Chime Work With Apple Pay At Walmart?
No, Chime does not work with Apple Pay at Walmart since the mobile payment service is not currently accepted as a payment method at Walmart.
Does Chime Spot Me Work With Apple Pay?
Yes, Chime Spot Me does work with Apple Pay. All you need to do is link your Chime debit card to your Apple Pay wallet.
You don't need to do anything special to use Chime SpotMe with Apple Pay. You simply use Apple Pay to make your purchase as usual; the only difference is that if you don't have enough cash in your Chime account, you'll use Chime SpotMe to complete the transaction.
What is Chime?
Chime Banking is a smartphone app that offers over 120,000 consumers FDIC-insured spending and savings accounts.
No minimum or monthly fees, no overdrafts, tailored rewards, savings mechanisms, two-factor authentication, and no-fee ATM access at over 24,000 MoneyPass locations are among the benefits of opening a Chime Banking account.
Because Chime Banking has no physical locations, you can set up or pay direct deposits and bills using your Chime card number, by supplying the payee with your routing and account number, or by mailing a check from the app.
What is Apple Pay?
Apple Pay is a mobile payment and digital wallet service developed by Apple Inc. that allows users to pay in person, via iOS apps, and on the web using Safari.
iPhone, Apple Watch, iPad, and Mac are among the Apple devices that support it.
At a contactless-capable point-of-sale terminal, it digitizes and can replace a credit or debit card chip and PIN transaction.
It may be used with any merchant that supports contactless payments and does not require Apple Pay-specific contactless payment terminals.
Touch ID, Face ID, PIN, or passcode are all options for two-factor authentication.
Near-field communication (NFC) is used to communicate with point-of-sale systems, and an embedded secure element (eSE) is used to securely store payment data and perform cryptographic functions, and Apple's Touch ID and Face ID for biometric authentication.
Frequently Asked Questions
How do I connect Chime to Apple Pay?
To connect Chime to Apple Pay; Open the Apple Wallet app. Tap the Add icon (+) and tap Debit or Credit Card, and follow the steps.
Why is my Chime card declining on Apple Pay?
If your Chime card is being declined by Apple Pay, make sure you linked the card correctly to your Apple Pay wallet. Double-check the card information and retry linking the card.
Can I use my phone to pay with Chime?
Yes, you can use your phone to pay with Chime. All you need to do is link your Chime account to Apple Pay and start making payments with your phone.
Final Thoughts
Chime is an online bank that offers lots of banking facilities and its no doubt this bank has lots of users wanting to use their Chime account with Apple Pay.
Chime works with Apple Pay which means users can now use their Chime card at Apple Pay by simply adding the card to their Apple Pay wallet.
References:
https://www.macrumors.com/2016/05/19/chime-banking-now-supports-apple-pay/
https://en.wikipedia.org/wiki/Apple_Pay
https://www.infoabsolute.com/chime-with-apple-pay/