With digital transactions gaining a traction lately, knowing how to transfer money from Netspend to Chime is a great way to easily manage your funds in a single account.
Chime is an online bank and thus, can be linked to so many services such as PayPal, Cash App and more.
With your bank linked to a mobile wallet, sending and receiving money to and from any part of the world will be an easy task.
Chime, on the other hand, is a financial service company that provides individuals with mobile banking services.
Chime is well-known for offering financial aid to customers by letting them borrow money from the platform.
You can transfer money from your Netspend account to a bank account as well as send money to other Netspend account users.
It means you may easily link your Netspend card to your bank account and transfer funds. Chime Bank is one of the banks that accept money from your Netspend account.
You can transfer money from Netspend to Chime by opening the Chime mobile or web app and linking your Netspend card details to your account.
However, if this doesn't work, you may transfer funds from Netspend to PayPal before you may then transfer the funds to your Chime account.
In this case, your PayPal account acts as a bridge and must be linked both to your Chime and Netspend account.
If you want to know more on how each of these methods work, continue reading.
In this article, I will show you all possible ways to transfer money from Netspend to Chime without hassle.
Table of Contents
What to Know About Netspend
It has continued to give exceptional financial services to its consumers since that time.
It is one of the most reputable financial services companies in the United States.
It has offices in Georgia, Atlanta, and San Mateo, California, in addition to its headquarters in Austin, Texas.
Netspend, like many other financial institutions, allows users to open accounts online and manage their card accounts using a smartphone or tablet. It makes it incredibly simple to send money from one person to another.
Netspend caters to both small enterprises and individuals searching for a simple solution to manage their finances.
The company offers goods that are adaptable while also combining powerful features to make the procedure more fun.
How to Open a Netspend Bank Account
You can quickly open a Netspend account and transfer funds from Netspend to your preferred bank account.
You only need to link your Netspend account to a PayPal or other comparable platform, and then transfer money to your bank account.
It's simple to open a Netspend account online.
You simply need to go to the Netspend Open an Account Page on your smartphone, tablet, or computer and follow the instructions.
The Chime accounts are like free online checking accounts no opening deposit no credit check. You'll need to enter the following information once on the page:
- First and last name
- Street address/ apartment
- Zip Code
- Email address
After that, you'll select the payments you'd like to receive via Direct Deposit. They are as follows:
- A paycheck that is up to two days faster.
- Tax refund which is faster than a paper check.
- Government benefits up to two days earlier.
You can also choose none when you create your account if you want to take some time to consider the best solution for your case.
After that, you'll be able to choose your card. After that, you can select your card.
The cards are available in a variety of hues, including blue, black, white, and pink.
After that, you may personalize your card by adding a photo to it.
All you have to do is use the PictureIt Card Creator to upload your favorite photo.
The image could be of your own family, wildlife, or anything else that appeals to you.
You can then order the personalized card after you're satisfied. Personalizing a card increases its security by allowing you to immediately recognize it by photograph.
What are the Benefits of Having a Netspend Prepaid Card?
A Netspend card comes with a slew of benefits.
To begin with, it is simple to load your card via direct deposit, which allows you to receive your paycheck two days sooner.
You can also use your photos to deposit money into your accounts.
You can recharge your card at specific locations or receive money from friends and family.
Second, you have complete control over your finances.
You can receive alerts about your account's pending transactions so that you can notify Netspend customer service if there is any questionable activity.
If you run out of money, you can get a purchasing cushion of up to $10.
You may also use your smartphone to conveniently access your account online.
Furthermore, when you use the Netspend card, you can get cash back and personalized offers.
You can also earn money by referring your friends to Netspend.
You can also save money and receive interest by putting money in your account.
Finally, because you may customize a Netspend card, you will have peace of mind.
For simple identification, you might include a photo or any other unique image.
To limit online purchases, you can generate a temporary card number once more.
Above all, you are exempt from any accountability if the card is used fraudulently.
Does Chime Work With Netspend?
Chime does works with Netspend. However, this will depend on your region.
Some users complain Chime doesn't let them add a Netspend card to their account.
In this case, they will have to use PayPal or Western Union as a bridge to complete the transaction.
In the case where Chime works with Netspend, linking both apps is a gameplay.
By linking an external account to your Chime Spending Account, you can send money from your Chime account to a NetSpend card.
All you have to do is to go to chime.com and log in to your account. Choose Move Money from the menu and finally select Transfers.
However, you will need both the account and routing number to link the Netspend card to your Chime account.
Can I Transfer Money from Netspend to Chime?
Yes! You can transfer money from Netspend to Chime without hassle.
Netspend card is a prepaid debit card.
It also has a routing number and an account number attached with it.
All you'll have to do next is link your Netspend account to Chime using the account and routing number and you'll be good to initiate the transfer.
All prepaid debit cards that accept Automated Clearing House (ACH) network transfers can be used to send funds to your bank.
It is essential since bank transfers are only made through ACH networks.
Don't worry, Netspend transfers are based on the ACH network, as you may already know.
As a result, you can transfer money to a Chime bank account via Netspend.
How to Transfer Money from Netspend to Chime Step by Step
Transferring money from Netspend to Chime is an easy process though, not a direct one.
In a first attempt, you'll need to do is to link your Netspend account to your Chime account and then, initiate money transfer process directly from your Chime app.
Keep in mind that the money transferred from your Netspend account will be sent to your Chime spending account.
Then in a second attempt (in case the first does not work for you), you'll need to use PayPal or Western Union as a bridge for the transaction.
With all that said, here's a step by step procedure to transfer money from Netspend to Chime.
Step 1: Get Your Netspend Account and Routing Number
Netspend is a prepaid debit card meaning, it should have an account and routing number associated to it.
This numbers are required when transferring money from prepaid card to a bank account.
Keep in mind that the number found on the card is not the account number but the debit card number.
Look for your Netspend account's account and routing number.
The card itself does not have a routing or account number printed on it.
You can get your routing number from any of Netspend's issuing banks.
Netspend's two issuing banks are MetaBank and Member FDIC.
It's possible that one of them is your card provider.
Here's a quick guide to find 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
The next thing to do now is to link your Netspend account to Chime.
You need to make sure that your Netspend card was issued by one of the banks supported by Chime.
MetaBank and Member FDIC are two banks issuers of Netspend card and your card must be surely issued by one of them.
Here's how to link your 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.
Once your Netspend account linked to Chime, you may initiate the transfer process.
Step 3: Transfer Money from Netspend to Chime
Your Netspend account has been linked to your Chime account.
If your account couldn't be linked, do not worry, check the other method to transfer money from Netspend to Chime that has been provided after this last step.
Here's how to transfer money from Netspend to Chime:
- Open Chime app.
- Go to "Move Money" option and select "Transfers".
- Select Netspend from the list that appears.
- Enter the amount you want to send.
- Confirm the details and initiate the transfer to Netspend.
That's how you get to transfer money from Netspend to bank account.
If you weren't able to associate your Netspend account to your Chime account, here's are some other methods to use.
Alternative Method to Transfer Money from Netspend to Chime
Another great way to transfer money from Netspend to Chime is to use PayPal as a bridge for the transaction.
You'll first need to link your Netspend card to PayPal and send funds to PayPal.
Next, you'll have to transfer the money from PayPal to your Chime bank account.
You must, however, link your PayPal account to your Chime bank account.
Transferring money from PayPal to a bank account might take up to 5 days, but most transactions are completed within one day.
Payoneer, Square, Skrill, Google Pay, and Stripe are just a few of the other payment services that work similarly to PayPal and can serve as a bridge.
The only difference is the transaction cost and the time it takes to complete the process.
Transferring money from Netspend to a different bank account using Western Union is also a viable alternative.
Money can be sent from a Netspend account to a Western Union account, which can subsequently be transferred to a Chime bank account.
Netspend to Chime Transfer Limits
You should be aware of the transfer limits if you are moving money to your Chime account.
ACH transfers to the Chime spending account are limited to $10,000 per calendar day and $25,000 per calendar month, according to the official Chime statement.
However, there is no limit to the number of transactions that can be made per day.
How Long Does it Takes to Transfer Money from Chime to Netspend and Vice Versa?
ACH transfers are a sort of transfer that takes place between banks or even involving banks on one side.
ACH transfers, unlike wire transfers, take more than one day to complete.
Transferring money from Chime to Netspend and vice versa would take 1 to 3 business days.
Furthermore, ACH-based transfers are not processed on weekends or public holidays.
If you made the money transfer over the weekend, it may take a few more days for the funds to appear in your account.
So, give it at least four days for the money to show up in your account.
Do I Need My Flashpay ID to Send Money from Netspend to Chime?
No, you won't need your flashpay ID to send money to Chime, but you will need your netspend debit card to fill out the necessary details mentioned above.
The Flashpay ID is used to send money to friends and coworkers, while the NetSpend debit card is required to make purchases in stores, on the internet, or at ATMs.
Can I Transfer Money Worldwide With a Netspend Account?
You can transfer money from your Netspend card to an international bank account by linking it to your PayPal account.
In this situation, your foreign transactions will be funded by the Netspend card.
Furthermore, Netspend playing cards are accepted anywhere that accepts a debit Visa or Mastercard.
Additionally, Netspend and Western Union provide the Western Union® Netspend® Prepaid Mastercard®, which allows you to use their services everywhere.
It's a fantastic way to send money over the world. Netspend also allows you to send money to other Netspend users all around the world.
It is important to remember, however, that Netspend does not support bank transfers. You can, however, recharge your Netspend account using a bank account by linking it to your bank account.
Does Netspend Charge Fees for Money Transfers?
Netspend is a business, and in order to earn a profit, it must charge fees.
You may be charged fees when transferring funds from Netspend to other payment systems, just as you are when transferring money from Chime to a cash app or any other comparable online wallet.
Money transfers from one Netspend account to another, on the other hand, are free.
Netspend is a good alternative if you have a lot of friends and family to whom you need to send money frequently.
Furthermore, when Netspend clients transfer funds to a PayPal account, they will not be charged any fees.
It's simple to transfer money from one Netspend account to another.
All you need is the recipient's name and their FlashPay ID. After that, go to your Online Account Center and type in their name, FlashPay ID, and the amount you want to send.
Even while Netspend appears to offer free money transfers, there are additional charges.
It costs $2.50 to withdraw money from an ATM. Balance Inquiry at ATM or Telephone Automated Service costs $0.50, while cash reloads cost $3.95.
A live customer service contact fees $0.50, while inactivity fees $5.95 per month after 90 days with no transactions.
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).
Final Thoughts on How to Transfer Money from Netspend to Chime
Netspend is a great money transfer platform that allows you to send and receive money.
You may transfer money from Netspend to your Chime account to better manage your funds.
Netspend wouldn't be available for most Chime accounts users.
In this case, you might want to use an alternative method to transfer money from Netspend to Chime and vice versa.
One of the most convenient ways to move money from Netspend to a Chime bank account is using PayPal. Transferring money from one Netspend account to another is simple and free.