How to Receive Money From Chime Without An Account

 Since its creation and launching back in 2012, Chime has since taken a big step forward in making the fintech industry an easy thing for its users.

For more than 5 years now, Chime has been ranking with the top finance tech platforms in the world. No wonder why several people tend to complete transactions with Chime too.

And so, if you are looking for a way to receive money from another person on Chime, but you do not have a Chime account, then this article is for you. Since we will be expansiating this and making it possible that you receive money from Chime with or without a Chime account.

How To Receive Money From Chime With or Without an Account

As we said above, Chime ranks among very popular Finance Tech companies that facilitate finance transactions in a more advanced way and using the latest tech features.

Well, there are two main ways that you can use to receive money from a Chime user even if you do not have a Chime account.

With the latest Chime Pay Anyone, you can send and receive money with more flexibility without bothering if the receiver has a Chime account or not, and also without bother about any hefty fees. But before showing you some of these things, let's first of all show you how a Chime member pays another person who is not on Chime.

How to use the Chime Pay Anyone Feature

It is quite an easy process to follow right now. To do so,

1. First and foremost, you should login and have some money in your account to send it to the receiver.

2. If you already have this first step cleared, then you should enter your Chime account in your app.

3. Then Select the "Pay Anyone" tab in the app.

4. After that, search for your friend’s name or $ChimeSign, or enter the email or phone number of someone who isn’t on Chime.

5. Then enter the amount you want to send, and give a reason why you are making this transaction.

6. Finally, you have to confirm the transaction and the person you are sending it to, and complete the transactions following the prompts that follow.

And now that you know how the Pay Anyone on Chime works, let us now show you how the recipient will receive his or her gift.

Well, let's start by showing you the two main ways. They are by using a valid debit card or by using an accepted money transfer platform like Cash App.

1. Receiving Money From Chime User With Debit Card

Once someone sends you money using the Pay Anyone feature, you will be alerted via mail and even text message if both your email and contacts were shared during the transaction.

1. And once you have received this alert, you will now enter inside the message and click on the link provided from the alert.
2. The link takes you directly to Chime's platform, and they will give you two options to get your money.
3. Either you create a Chime account and claim your funds at the moment, or you use a valid debit card from another bank to claim your funds instantly.
4. You will have to fill in all necessary information and follow the prompts to complete the transaction and receive your money on your debit card.

NOTE: You should take note that this transaction has a validity period of 14 days, and if the money is not claimed before that time, it will be automatically refunded to the sender.

2. Using A Money Transfer App (Cash App)

If you do not have a Chime account, you can still tell your sender to use this method to send you cash. But that works only for those having a Cash App account. However, there are some little fees in this one compared to the first method, which comes with no fees.

Nevertheless, follow these steps to complete the transaction.

The first thing is to link both your Cash app and your Chime. If sending to someone else, you can link them, and after the transaction, you remove the link between the two accounts, as it might not be favorable for the Chime user.

Chime here acts like the bank, and you will have to enter your Cash App account and select "Add Bank" and then choose Chime from the options that show.

You then go to your Chime account and log in to complete the linking of the two accounts.

And then to send money, you just need to go to Chime and initiate a transaction from Chime to Cash App, which is easy.

NOTE: The fees in this transaction come when you are linking the two accounts. As they usually deduct a very little amount to be sure that the linking was successful.

What is a $ChimeSign?

A $ChimeSign is a unique handle that acts as a Chime member’s “username.” It makes it easier to send and receive money between Chime members. If someone wants to send you money, you can share your $ChimeSign with them and they can enter it into the recipient field.

Will I be charged a Fee during the Pay Anyone process?

Well, Chime has made it very easy and fee-free to send money via the Chime Pay Anyone procedure. Yes, no fees are been deducted during this transaction. Just send and the receiver will receive with no issues.

Can I Cancel a Chime Pay Anyone transaction?

Yes. As long as the receiver has not yet received it, you can always cancel it. Maybe you made a mistake during the transaction and only noticed it after some time.

1. Just quickly login to your Chime, and go to the transactions tab.
2. You will see this transaction still pending if the receiver has not received it yet. And then you will just have to click on cancel transaction

After doing that, the funds will be refunded as if nothing ever happened.

Final Remarks on Sending Money From Chime to Another Person Without Chime Account

Chime has made sending and receiving money much easier right now. And with their fee-free Chime Pay Anyone option, users can send and receive money in and from the Chime platform without having to bother about fees.

Well, we showed you two main methods to send and receive money from Chime without an account. We said there was the Chime Pay Anyone option (fee-free) and then using an accepted money transfer app (Cash App).

And you can use these methods to complete your transactions and make sending and receiving money much more easier right now.