Netspend and Chime are two prevailing services in the financial ecosystem and because of this, most users wonder how to transfer money between both app notably, from Netspend to Chime.
Netspend is a popular prepaid debit card and without double one of the best virtual card providers in the market that offer customers prepaid card as an alternative to checking accounts.
Chime, on the other hand, is a financial institution that offers financial services to customers including checking accounts with debit cards and also, financial aid through a SpotMe feature that lets users overdraw their Chime checking accounts.
Knowing how to transfer money from Netspend to Chime can be a live saving skill when considering to switch from a Netspend prepaid card to a Chime checking account.
Since Chime and Netspend don't integrate, many users are on the lag wondering how to move funds between the two platforms.
Thankfully, there are some indirect ways to transfer funds between both apps.
That being said, this article compiles the best ways to transfer money from Netspend to Chime without hassle.
Table of Contents
Does Chime Work With Netspend?
Chime does work with Netspend though, not directly.
According to many sources some users have, however, confirmed they were able to link their Netspend cards to Chime.
Most users, on the other hand, can't link Netspend to their Chime accounts making a direct transfer of funds between the two platforms impossible.
Can I Transfer Money from Netspend to Chime?
Yes, you can transfer money from Netspend to Chime, but not directly.
A first attempt would be to try linking Netspend to Chime through your account and routing numbers.
In case you are unsuccessful, then you'll need to use PayPal or Western Union as a bridge to complete the transaction.
How to Transfer Money from Netspend to Chime
To transfer money from Netspend to Chime, you'll need to get your Netspend account and routing number, then link your Netspend to Chime and initiate the transfer.
Step 1: Get Your Netspend Account and Routing Number
Most prepaid cards including Netspend have an account and routing number.
These series of numbers are important especially when it comes to transferring money from a bank account to your prepaid card or the other way round.
These numbers are not generally printed on the card itself, but you can get them from any of the Netspend issuing banks which are MetaBank and Member FDIC.
To get your Netspend account and routing number;
- First, you need to Log in to your Netspend account.
- Now, select the option of Add Money/Transfer Money.
- Look for the account and routing number for your card.
Once you got the two set of numbers, you can proceed to the next step.
Step 2: Link Your Netspend Account to Chime
Linking your Netspend account to Chime is the next step.
Make sure that one of the banks that Chime supports issued your Netspend card.
Your card was most likely issued by one of two banks that issue Netspend cards: MetaBank and Member FDIC.
Here's how to link Netspend account to Chime.
- Login to Chime mobile or web app.
- Tap "Settings".
- Look for and select "Link a Bank Account".
- If you see Netspend, select it. If you do not, look for an associated bank with your Netspend card. MetaBank and Member FDIC are two options.
- Provide your bank login details to link Netspend to Chime.
Step 3: Transfer Money from Netspend to Chime
Your Chime account and your Netspend account are now linked.
Check the alternate method that has been provided after this final step to transfer money from Netspend to Chime if your account could not be linked.
- Open Chime mobile or web app.
- Go to "Move Money" tab.
- Select "Transfers" and "Transfer Out" from the dropdown that appears.
- Enter the amount you want to send.
- In the From dropdown, select your Netspend account and in the To dropdown, select your Chime Checking account.
- Confirm the details and initiate the transfer.
That's how to transfer money from Netspend to Chime.
In case you were unable to link your Netspend to Chime and transfer funds as shown above, check the alternative method below.
Alternative Way to Transfer Money from Netspend to Chime
Using PayPal as a middleman to complete the transaction is another great way to transfer money from Netspend to Chime.
Prior to sending money to PayPal from Netspend, you must link your Netspend card to PayPal.
The funds should then be transferred from PayPal to your Chime bank account.
However, you must connect your Chime bank account and PayPal account.
Although most transactions are completed in a single day, the time it takes to transfer money from PayPal to a bank account can take up to five days.
These are just a handful of the alternative payment options that function similarly to PayPal and can act as a bridge, including Payoneer, Square, Skrill, Google Pay, and Stripe.
The transaction costs and processing times are the only things that differ.
Another option is to use Western Union to transfer funds from Netspend to another bank account.
A Western Union account can receive funds from a Netspend account, and that account can then transfer those funds to a Chime bank account.
How Long Does it Takes to Transfer Money from Chime to Netspend and Vice Versa?
How long it takes to transfer money from Chime to Netspend depends on the method you used to transfer the funds.
It typically takes a single day to transfer money from Netspend to Chime if you linked Netspend to your Chime account.
It should take 1 to 3 business days to for the transfer to complete in case you used PayPal or Western Union as a bridge.
Netspend to Chime Transfer Limits
If you are transferring funds to your Chime account, you should be aware of the transfer limitations.
The official Chime statement states that ACH transactions to the Chime spending account are restricted to $10,000 per calendar day and $25,000 per calendar month.
The total amount of transactions that can be made each day is unrestricted, though.
Do I Need My Flashpay ID to Send Money from Netspend to Chime?
No, your flashpay ID is not required to send money to Chime, but your netspend debit card is required to provide the aforementioned information.
The NetSpend debit card is necessary to make purchases in stores, online, or at ATMs while the Flashpay ID is needed to send money to friends and coworkers.
Can I Transfer Money Worldwide With a Netspend Account?
Yes, you can transfer money internationally with Netspend.
By connecting your Netspend card to your PayPal account, you can transfer funds from that card to a foreign bank account.
Your overseas transactions in this case will be financed by the Netspend card.
Furthermore, anywhere Visa or Mastercard debit cards are accepted, Netspend playing cards are too.
The Western Union® Netspend® Prepaid Mastercard®, offered in addition by Netspend and Western Union, enables you to use their services worldwide.
It's an excellent method for sending money abroad.
You can send money via Netspend to other Netspend users anywhere in the world.
However, it is crucial to keep in mind that Netspend does not support bank transfers.
However, you can use a bank account to load money onto your Netspend account to make payments.
Does Netspend Charge Fees for Money Transfers?
As a business, Netspend must charge fees in order to turn a profit.
Similar to when you move money from Chime to a cash app or any other related online wallet, you can be charged fees when you transfer money from Netspend to other payment systems.
On the other hand, there is no charge for money transfers between Netspend accounts.
If you routinely send money to many friends and family members, Netspend is a wonderful solution.
Additionally, there are no costs for Netspend customers who transfer money to a PayPal account.
Money can be easily transferred across Netspend accounts.
The recipient's name and FlashPay ID are all that are required. Then, provide their name, FlashPay ID, and the amount you wish to send in your Online Account Center.
Despite the fact that Netspend seems to provide cost-free money transfers, there are additional fees.
A $2.50 fee is incurred while using an ATM. While cash reloads cost $3.95, balance inquiries through telephone automated service or ATM only $0.50 each.
Live customer care calls cost $0.50, while inactivity after 90 days of no transactions costs $5.95 per month.
Final Thoughts: How to Transfer Money from Netspend to Chime
Netspend and Chime are two popular platforms that have brought traction in the financial ecosystem.
They offer financial services to customers and facilitate money transfer to other account holders.
Both platforms, however, don't integrate making it impossible to directly transfer funds between them.
Hopefully, this article should help you transfer money from Netspend to Chime without much hassle.
Frequently Asked Questions
How do I transfer money from Netspend?
Simply log into your Online Account Center, enter their name, FlashPay ID, and the amount you want to send, and that's it! To receive money, your friends and family just need your name and FlashPay ID, which you can find in your Online Account Center.
How can I transfer money instantly to Chime?
Chime instant money transfer is available the first time you add money to your Chime Checking Account. All you have to do is link an external bank account, and add your debit card number, then you'll be able to add at least $200–instantly.
Can I transfer money from Netspend to another card?
Yes, you can. To transfer money from one NetSpend card to another, you need the other person's name and their FlashPay ID. Simply log into your Online Account Center, then enter their name, FlashPay ID, and the amount you want to send.
How long does it take to transfer money to Chime?
You can set up the transfer with the sending bank, and the receiving bank will receive the transfer after about 2 or 3 business days (the timing will depend on the bank and whether you are transferring money locally or internationally).