4 Best Ways To Send Money From Zelle To Chime (2024)

Hey there! This post may contains affiliate links. Read our full disclaimer for more info. Please Contact email: mamainvesting@gmail.com to Advertise with us.

Chime and Zelle are two widely used financial tools, but they don’t have direct integration. However, you can still send money from Zelle to Chime through alternative methods.

send money from zelle to chime

Chime has its own transfer process, but you can easily send and receive funds by linking your Chime debit card to the Zelle app.

Zelle is a digital wallet that enables users to send money quickly and securely to other individuals’ bank accounts.

On the other hand, Chime offers fee-free banking services, including checking and savings accounts, as well as a debit card for convenient spending. Chime also provides tools to help users build and manage their credit scores over time.

Whether you’re splitting bills with friends or sending money to family members, these methods will facilitate smooth transactions between Zelle and Chime, ensuring you can manage your finances effortlessly across both platforms.

It is possible to transfer money between Zelle and Chime even though they don’t have a direct connection.

This guide will explore the top four methods. Let’s get into the article.

4 Ways To Send Money From Zelle To Chime

4 Ways To Send Money From Zelle To Chime

Although Chime lacks direct integration with Zelle, transferring money between them is simple. One method involves linking your Chime account to Zelle, allowing you to transfer funds from Zelle to another bank linked to Chime.

Another option is using your Chime debit card within the Zelle app, though there might be restrictions.

These straightforward approaches ensure you can move money from Zelle to Chime whenever necessary, providing convenience and flexibility for effortlessly managing your finances.

Link Zelle to Your Bank Account (External Transfer)

Link Zelle to Your Bank Account (External Transfer)

To send money from Zelle to Chime via ACH transfer, it’s important to note that it’s a two-step process.

Firstly, you need to send the money from Zelle to a traditional bank account linked to your Chime account. Once the funds have been successfully transferred to that bank account, you can initiate an ACH transfer to move the money into your Chime account. Essentially, you’re routing the money through an intermediary before it lands in your Chime account.

It’s a simple process: follow Zelle’s instructions to send the money to your linked bank account, and then use Chime’s app or website to transfer it to your Chime account seamlessly.

Steps To Link Zelle To Chime by Bank Account

By linking your bank account to Zelle, you can easily send money from Zelle to Chime:

  • Log In: Open your Chime app or website and log in.
  • Go to Settings: Look for the settings or profile section.
  • Find Linked Accounts: Locate where you can link external bank accounts.
  • Select Link Account: Choose to add a new bank account.
  • Enter Bank Details: Provide your bank account number and routing number.
  • Verify: Confirm your bank account, usually by verifying small deposits.
  • Confirmation: Once verified, your bank account will be linked to Chime.
  • Use Zelle: With your bank account linked, you can now send and receive money through Zelle through your bank’s app or website.

That’s it! Now, you’re all set to use Zelle with your Chime account.

Link Your Bank Account to Chime ACH Transfer

Link Your Bank Account to Chime ACH Transfer

Setting up your Chime account is simple, especially compared to Zelle. Download the Chime app or sign up on their website to get started.

Once your account is set up, the first step is to link your bank account. To do this, go to the ‘Settings’ tab, select ‘Link a Bank Account,’ and choose your bank from the list provided. Then, enter the same details you used when connecting your bank with Zelle. 

Alternatively, you can add a bank card instead of a bank account. Just input all the card details, and you’re good to go.

This option is useful if you prefer using a specific card for transactions via your Chime account. However, if you want more flexibility with your funds, linking a bank account is generally the better choice. It makes it easy to send money from Zelle to Chime.

Steps To Chime ACH Transfer

Here are simplified steps to send money from Zelle to Chime by ACH transfer:

  • Open the Chime app or website.
  • Go to Settings.
  • Choose “Link Bank Account.”
  • Pick your bank from the list.
  • Enter your bank details.
  • Verify your bank account if needed.
  • Confirm once it’s linked.
  • Now, you can start doing ACH transfers between Chime and your bank.

Send Money Between the Two (Direct Transfer)

Send Money Between the Two (Direct Transfer)

To send money from Zelle to Chime is effortless if you have both a Chime and Zelle account linked to the same bank account.

The easiest way to do this is by designating Zelle as the recipient. Send the desired funds to your bank account through Zelle, and then transfer them from your bank account to your Chime account.

This easy process allows you to access the funds transferred to your Chime account for any planned transactions or expenses.

Steps to Direct Transfer

  • Launch the Zelle app or go to the Zelle section in your banking app or website.
  • Select the option to send money.
  • Enter the amount of money you want to transfer from Zelle to Chime.
  • You’ll receive a confirmation message once the transfer is complete.
  • Now, open the Chime app or go to the Chime website.
  • Make sure the transferred funds have arrived in your Chime account.
  • Once the money is in your Chime account, you can use it for purchases, bill payments, or withdrawals.

Third-Party Transfer

Third-Party Transfer

You must find a reliable intermediary platform or app to send money from Zelle to Chime using a third-party service. These services bridge Zelle and Chime, making it easy for you to transfer funds.

Firstly, look for a trustworthy service that supports transfers between Zelle and Chime. Once you have found a suitable platform, you can start the transfer process.

This will ensure that your funds move smoothly between the two platforms, simplifying your money management.

Steps To Third-Party Transfer

  • Look for a trustworthy third-party platform that supports transfers between Zelle and Chime.
  • Create an account on the chosen platform and provide the necessary details.
  • Connect your Zelle and Chime accounts to the third-party service.
  • Enter recipient details, specify the amount, and confirm the transaction through the third-party platform.
  • Double-check the transfer details to ensure accuracy.
  • Once confirmed, the transfer will be processed, allowing you to move money between Zelle and Chime effortlessly.

Send Money From Zelle To Chime Fees and Limit

Send Money From Zelle To Chime Fees and Limit
  • Fee: Zelle offers a fee-free service for sending and receiving money, but your bank may charge you for using their service. Chime doesn’t charge fees for receiving money from Zelle, but sending cash through Zelle may incur charges. On the other hand, third-party services usually charge fees for transfers.
  • Limit: You can send up to $2,500 per day using Zelle, while the limit for receiving money is $10,000. Chime has a daily limit of $10,000 for sending and receiving money using Zelle.

Zelle and Chime Compatibility

Zelle and Chime Compatibility

Zelle and Chime are two financial services that offer different functionalities. Zelle allows quick and secure transfers between accounts at major banks. On the other hand, Chime offers mobile banking services with direct deposit and savings features without charging any fees.

Though there is no direct connection between Chime and Zelle, you can link your Chime account to send and receive money through Zelle. However, ensuring that your bank supports Zelle to make the most of its services is important.

Despite their differences, both platforms work together smoothly and provide convenient options for managing and transferring funds.

Zelle and Chime Alternatives

Zelle and Chime Alternatives
  • PayPal: Allows you to send and receive money globally with ease.
  • Cash App: Offers quick transfers and features like investing and Bitcoin purchases. Comparing Chime and Cash App brings more clarity about Cash App.
  • Venmo: Facilitates peer-to-peer transactions, and Its promotions include social features for sharing payments. With a Venmo promo code, you can unlock many advantages.
  • Google Pay: Enables fast and secure payments using your phone or computer.
  • Apple Pay:  Allows you to make secure transactions using your Apple devices in stores, online, and through apps.

Additionally, you can discover articles on other advantageous topics, such as earning money by watching advertisements and making money through participating in surveys.


These four methods make it easy to send money from Zelle to Chime. You can also manage your finances across both platforms by linking accounts, third-party services, or intermediary platforms.

Choose the method that best suits your needs and enjoy hassle-free money transfers between Zelle and Chime.


Can I directly send money from Zelle to Chime account?

No, Zelle doesn’t directly integrate with Chime. However, you can link your Chime account to Zelle to send and receive money.

Are there any fees associated with transferring money from Zelle to Chime?

Transferring money between Zelle and Chime typically incurs no fees. However, checking if your bank charges any fees for using Zelle is essential.

Is it safe to send money from Zelle to Chime using third-party services?

While many third-party services facilitate transfers between Zelle and Chime, it’s crucial to research and choose reputable platforms to ensure the safety of your transactions.

Leave a Comment

Pin It on Pinterest

Share This