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Chime is the most widely used banking fintech in the nation; it is only accessible online, but it enables debit card payments through wallets like Apple Pay. This wallet is well-known throughout the world for making payments simple.
Nearly all consumers now pick Apple Pay as their preferred mode of payment. Almost all businesses accept it, and all it takes to conduct a transaction on your app are a few quick taps.
Apple Pay makes it easy and secure to make purchases of products and services. Additionally, it collaborates with well-known banking and fintech firms, such Chime. If you use Chime, you must first add your card to Apple Pay in order to make purchases.
So, how do you add chime to apple pay? You should surely be amongst the few that want to linki their chime card to their apple pay wallet. So, in this article, we will be showing you what you should know about chime and apple pay and how you can link them both.
Table of Contents
Does Chime work with Apple Pay?
What is Chime?
Over 120,000 users of the Chime Banking app now manage their FDIC-insured checking and savings accounts solely from their smartphones.
No minimum or monthly fees, no overdrafts, customized rewards, savings options, two-factor authentication, and fee-free access to ATMs at more than 24,000 MoneyPass locations are just a few advantages of opening a Chime Banking account.
Since Chime Banking doesn't have any physical locations, you can set up or pay direct deposits and bills using your Chime card number, by giving the payee your routing and account number, or by mailing a check via the app.
On the App Store for iPhone and Apple Watch, Chime Banking is available for no cost.
What is Apple Pay?
With the help of Apple Pay, customers may make payments online, via iOS apps, and in-person. It works with the iPhone, Apple Watch, iPad, and Mac among other Apple products.
At a point-of-sale terminal with contactless capability, it digitizes and can take the place of a chip and PIN credit or debit card transaction. It can be used with any business that accepts contactless payments; it is not limited to those with Apple Pay-specific contactless payment terminals.
It adds two-factor authentication using a passcode, PIN, or Touch ID. Near field communication (NFC), an embedded secure element (eSE) to securely store payment data and carry out cryptographic operations, and Apple's Touch ID and Face ID for biometric authentication are all used by devices to wirelessly connect to point of sale systems.
Chime and Apple Pay compatibility
Because you simply need to link your Chime debit card or bank account with Apple Pay, using Chime with Apple Pay is simple. You can instantly transfer money from your Apple Wallet when you add the card to the application.
Since 2016, Chime has supported Apple Pay. It enabled Chime debit card addition and wallet funding for Apple Pay customers. Additionally, users could move funds from their Apple Wallet to their Chime account.
Yes, you can use Chime with Apple Pay by connecting your Chime Bank Account or Chime Debit Card.
However, there is a 1.5% fee that, depending on your transaction, can be as low as 0.25% or as high as 15%. To link in Apple Pay, you must do this by entering your card information, including the number and expiration date (the steps are covered in detail below).
You can also immediately add your Chime Bank account to Apple Pay by entering the routing number and account number for Chime 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. Your account number and routing number can both be found there.
When transferring money from your Apple Wallet to a Chime Bank Account after adding a bank, you can only use a regular ACH transfer, which takes 1-3 business days and is not immediate like a debit card. The benefit in this case is that the transfer is totally cost-free.
Which of my devices are compatible with Apple Pay?
You could know quite well that Chime supports Apple pay but is your device compatible with the apple pay app? You can use Apple Pay in stores on your device. These supported devices are:
- iPhone SE
- iPhone 6
- iPhone 6S
- iPhone 6 Plus
- iPhone 6S Plus
- iPhone SE
- iPad Air 2
- iPad Pro
- iPad mini 3
- iPad mini 4
From here, all the latest devices released can support Apple pay.
How to Add Chime Card to Apple Pay Wallet
To add your Chime Card, take the following actions:
- Get your iPhone's Wallet app open.
- Next, press the Add button located in the right top corner.
- Select "Debit or Credit Card" after that, then press "Continue"
- Follow the instructions on the screen to enter your Chime Debit Card information, including the code and expiration date.
- Check your details with your bank or credit card company.
Apple will add the card to the Wallet after verification. Since Apple supports Chime cards, this ought to be automatic for Chime cards. But if you run into problems, get in touch with Chime and ask for help.
Please be aware that if you've added numerous cards, the most recent Chime card won't be your default card. This implies that you will use the second card to complete purchases that use Touch ID or Face ID.
Go to Wallet & Apple Pay in the Settings app to set Chime as your default payment method. Click on Default Card in the "Transaction Defaults" section by scrolling down. Chime should be chosen.
Can I add my card to Apple Pay on more than one device?
Yes! Your Chime Visa Debit Card is compatible with Apple Pay on a variety of devices.
How do I know which card is my default card in Apple Pay?
This becomes your default card if you fill your card with Apple Pay using your iTunes account. If not, your default payment card is automatically set to the first card you add.
To edit the default card:
- Go to Settings on your smartphone.
- Choose Apple Pay & Wallet.
- Decide on a default card.
- Additionally, you can use another card at any moment by going to Wallet.
How do I use my Chime Visa Debit Card with Apple Pay on Apple Watch?
Apple Watch payment:
- Hold the Apple Watch's display in front of the contactless reader while pressing the side button twice.
- Tap lightly to confirm.
- Your payment information was sent, and a beep confirms that.
You can add your Chime Visa Debit Card to iOS devices, including the Apple Watch, by following the instructions.
Wrapping up
Chime has been supporting Apple Pay since 2016. It allowed Apple Pay users to add the Chime debit card and fund their wallets. Users could also transfer money from Apple Wallet to a Chime account.
Yes, you can use Chime with Apple Pay by linking your Chime Debit Card or Chime Bank Account on Apple Pay.
Your Chime card can be used with Apple Pay on both the Apple Watch and the iPhone. When you use your Chime Card in conjunction with Apple Pay, you may make payments both in-person and online at any location that accepts Apple Pay.