Yes, you can pay with your phone using Chime by adding your Chime Visa Debit Card to mobile wallets like Apple Pay, Google Pay, or Samsung Pay, allowing for contactless "tap-to-pay" at terminals or online purchases with a virtual card number. Simply add your card through the respective app (Apple Wallet, Google Pay, Samsung Pay) and use your phone for secure payments in stores or online.
Mobile payments welcome
Leave your wallet at home: The Chime mobile banking app supports mobile payment platforms like Apple Pay ®, Google Wallet ®, and Samsung Pay ®.
You use your Chime virtual card by finding its details (number, CVV, expiry) in the Chime app under Profile > Cards, then using those details for online/in-app purchases, or adding it to Apple Pay/Google Pay for tap-to-pay in stores, linking to its security features. It works like your physical card but digitally, allowing immediate use before the physical one arrives and offering added security.
Digital and secure: Your virtual card lives in the Chime app. You can also add it to your mobile wallet so it's always available, even if you don't have your physical card. Connected to your account: Like your physical card, your virtual card pulls funds from your Chime Checking account.
Yes, the Chime Credit Card is contactless. The card is equipped with a contactless chip called Tap-to-Pay, enabling users to conveniently complete their purchases by simply tapping the card to the contactless reader at checkout.
Yes, you can tap with a virtual card by adding it to a mobile wallet like Apple Pay or Google Pay, then using your phone to tap the contactless reader at checkout, which uses the card's details securely without needing the physical card. Alternatively, some virtual cards allow manual entry of the card number, expiration, and CVV directly at the terminal.
To get a Chime $200 bonus, you typically need to either be referred by an existing member and meet specific direct deposit criteria, or be eligible for their SpotMe feature which can cover overdrafts up to $200 after setting up qualifying direct deposits. The main path to a referral bonus involves a friend signing up with your link and getting a single $200+ direct deposit within 45 days, rewarding both of you.
Using your device (phone or wearable), open your digital wallet and select your NAB Visa Debit card. Tap your device at a NAB ATM. Enter your PIN when prompted by the ATM. You'll then have the option to either withdraw cash or perform a balance enquiry.
Turn on a virtual card on the Google Wallet website
To get $500 from Chime, use their MyPay® service by setting up qualifying direct deposits ($200+ twice in 34 days), which unlocks access to up to $500 of your future pay, fee-free within 24 hours or instantly for a small fee, with repayment automatically handled by your next paycheck. You must meet eligibility in your state and have direct deposit set up.
Add a debit or credit card to the Google Wallet app
Overdraft up to $200 without fees. ² Your next direct deposit into your Chime® Checking Account will be applied to your negative balance. As one of the few banks with overdraft protection, Chime never charges fees or interest for overdrafts.
To get $100 from Chime, the most common way is through their Referral Program, where you invite a friend who signs up with your link and gets a single qualifying direct deposit of $200 or more within 45 days, earning you and them a bonus (often $100 each). Other ways involve specific offers like some Boost Mobile deals or potentially accessing an Instant Loan, but referrals are the direct path to a quick $100 bonus.
To pay with your phone, set up a digital wallet like Apple Pay (iPhone) or Google Wallet/Pay (Android), add your debit/credit cards, ensure your phone's NFC is on, then simply unlock your phone and hold the back near a contactless payment terminal (look for the symbol) to tap and pay.
You can use a virtual credit card in-store by adding it to a digital wallet (like Apple Pay or Google Pay) for tap-to-pay, or by manually entering the virtual card number, expiration, and CVV at the terminal if the merchant allows it, though adding it to your phone's wallet is usually easier and more secure for contactless payments.
PayPal is famous for this, but Google Wallet and Venmo have web interfaces, too. Samsung Pay can only make web payments if you link a Visa Checkout account, but it works on the company's phones and (very well) on its smartwatches. Apple Pay works on the Apple Watch, as you might expect.
When you link your Chime card to digital wallets, you can make payments without having your physical card present. You will need an active data plan or WiFi in order to make payments or transfers using a digital wallet.