Digital Payment apps like Apple Pay seem to be the new normal. It is a contactless payment medium designed for apple devices in an attempt to progress cashless and cardless payments.
The use of apple pay is quite seamless as you just need to add your debit or credit card to your iPhone or watch, then make any payment through your device.
If you use Apple Pay and also bank with Chime
, and want to connect your Chime debit card to Apple Pay, you absolutely would want to know whether “Does Chime Work With Apple Pay” or “Chime Spot Me Work With Apple Pay.”
If the aforementioned query is what led you here, look no further. In this post, you’ll learn whether Apple Pay and Chime are compatible and just about anything else you need to know.
Does Chime Work With Apple Pay?
Yes, Chime works with Apple Pay. To put it this way, you can instantly add or link your Chime debit card to your Apple pay wallet on any of your various iOS devices, including your smartwatch, iPhone device, iPad, and Mac.
Does Chime Spot Me Work With Apple Pay?
Yes, Chime Spot Me works with Apple Pay. To make it clear, this only works if your Chime Spot Me feature is enabled. However, in a case where there are not enough funds on your Chime account, you can take advantage of the Chime SpotMe overdraft to make purchases instead of Apple Pay.
What Are the Requirements to Use Chime With Apple Pay?
There are only a few steps required to integrate chime and apple pay, and using both together is very simple. The necessities are listed below.
- A compatible device with the latest version of iOS or iPadOS, watchOS, or macOS.
- Chime debit card.
- An Apple ID signed in to iCloud.
How to Add Chime to Apple Pay?
Adding your Chime to your Apple Pay is an easy process. The following steps must be taken in order to add your Chime to Apple Pay:
- On your Apple device “launch your Apple wallet app”.
- Click on the Add button (the “+” icon).
- Click on add “Debit or Credit Card”.
- Click on “Continue”.
- To add a new card, follow the instructions on the screen.
- When prompted, select your bank or card issuer from the list or use the search bar to look them up. In this scenario, select or look for chime bank.
- Verify the details on your chime card. (card number, Exp. Date, and CVV)
- Then, enter your card’s security code.
Once your chime card has been successfully added to apple pay, you can now start enjoying your chime and Apple Pay together.
If for any reason your chime card was not successfully added to the apple pay, kindly check these troubleshooting steps to know what to do.
How to Transfer Money from Apple Pay to Chime?
To transfer money from your Apple Pay to your Chime account is an easy feat. You have two options; the instant transfer and the standard bank transfer.
The standard bank transfer is used to send funds to your bank account and takes about 1-3 days. The instant transfer is used to send funds instantly to your Chime debit card.
Follow the process to know about transferring money from your Apple Pay to Chime using Standard Bank Transfer:
- On your iPhone: open your apple pay wallet app, and click on the Apple Cash card. Then, click on the “more” button.
- On iPad: open the Settings app, and click on the Wallet & Apple Pay. Then click on your Apple Cash card.
- Click on Transfer to Bank
- Input an amount and click on next.
- Click on 1-3 business days. Then, confirm with Face ID, Touch ID, or passcode.
Transferring money from your Apple Pay to Chime using Instant Transfer can be do done through:
- On iPhone: open your wallet app, and click on the Apple Cash card. Then, click on the “more” button.
- On iPad: open the Settings app, and click on the Wallet & Apple Pay. Then click on your Apple Cash card.
- Click on Transfer to Bank
- Input an amount and click on next
- Click on Instant Transfer
- Click to select the debit card you want to transfer funds to and select the billing information for your chosen debit card.
Your funds should be available in your chime account within 30 minutes of transfer.
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How to Use Chime SpotMe With Apple Pay?
To use Chime with Apple Pay, do the following:
- Go to a store
- Select the items you want to purchase.
- Open Apple pay.
- Use your touch ID.
- Choose Chime Card.
- Place your iPhone on the POS machine.
- Payment is done.
Using Chime Spotme with Apple Pay is only a solution to acquire a Chime Spotme Overdraft when your actual Chime account does not have enough money to cover the bill. It has nothing to do with linking your accounts.
Consider a scenario in which you have $30 in your Chime spending account and want to use Apple Pay to make a $70 payment. If you have Chime Spot Me enabled so far, it will save the day. Chime will make the final payment of $40 on your behalf.
Note: for Chime Spot Me to work, you need a Chime Spot Me limit.
What Is the Transfer Limits of Using Chime With Apple Pay?
With Apple pay, You can transfer from Apple Cash to your chime bank account/debit card up to $10,000 each transfer and $20,000 in a seven-day span.
What Is the Fee of Using Chime With Apple Pay?
Using Apple Pay with Chime is free of charge. To put it another way, there are no fees associated with adding or using your Chime Debit Card to Apple Pay.
Additionally, unless you utilize an Instant Transfer, there are no fees associated with transferring money from Apple Cash to your bank account.
Can You Add a Chime Card Previously Used on Apple Pay?
This should not come as a surprise, that your previously linked chime card can be added back to your apple pay wallet seamlessly.
How to Add a Chime Card Previously Used on Apple Pay?
Please follow the steps below if you had previously linked your Chime debit card to Apple Pay and would like to do it again:
- In the Wallet app, click the “Add button” (“+” icon).
- Tap Previous Cards to see cards that you previously added to the Wallet app.
- Choose the chime debit card and click on “Continue”.
- Follow the steps on the screen to add your card.
- If necessary, verify your information with chime.
Does Chime Work With Apple Pay on Apple Watch?
Yes, chime can be linked with apple pay on the apple watch. As a chime user, You have the ability to add your Chime Debit Card to apple pay on the watchOS using the iSight camera to instantly capture your card details or enter them manually.
Keep in mind that the Apple Watch Apple Pay setup is not done through Wallet. You may also add your Chime Visa Debit Card to the Apple Watch app on the linked iPhone.
On the other hand, If you have a paired Apple Watch, you have the option to also add the card to your watch.
How to Add Chime Debit Card With Apple Pay on Apple Watch?
Follow the easily outlined process below to link your chime debit card with apple pay on your apple watch (watchOS):
- On your Apple Watch, open the Wallet app.
- Scroll down and click “Add Card”.
- Click on “Debit or Credit Card” to add your chime debit card
- You can click on “Previous Card” to choose a chime debit card that you previously added to the Wallet app.
- Click on “Continue”.
- Follow the steps on the screen to enter your card information and add your chime debit card.
TaaDaah!!! You have successfully added your chime debit card with apple pay on your apple watch.
How to Pay With Apple Watch?
- Double-click the side button.
- Scroll to choose a card.
- Hold your Apple Watch within a few centimeters of the contactless card reader, with the display facing the reader.
- Gently tap to confirm.
- A beep reconfirms that your payment information was sent.
How Do I Remove My Chime Debit Card From Apple Pay?
If after linking your chime debit card with apple pay you want to remove it for any reason, kindly follow the step below to unlink it at ease:
- In Wallet, “choose the card”. (chime debit card)
- Click the information symbol in the lower right corner to see the card’s back.
- The remove the card option is located at the bottom of the page.
- To remove the chime debit card from your wallet right away, click remove card.
- In addition, your Chime Visa Debit Card is now removed from the Secure Element where the device account number is safely kept.
What to Do When You Replace or Update Your Device?
You must add your Chime Debit Card afresh to your Wallet as a new Apple Pay setup if you replace or update the device where your Chime Debit Card was previously associated with Apple Pay.
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Conclusion on Does Chime Work With Apple Pay?
There you have it, we have come to the end of this definitive guide to know if chime spotme/card works with apple pay.
Now you know that chime is compatible and works well with apple and not only can it be used on an iPhone device it can be used across all apple devices such as the apple watch, iPad, and mac.
This guide also provided the easiest ways to link chime and apple pay, including how you can make payments and transfers when both of them have been linked, not to forget that it also provided answers to whether there is a fee or limit.
So therefore if you found this useful and if it was able to provide the answer to your initial question “does chime support apple pay”? please do well to comment and share with others who might need it also.
If you have any questions please do well to use the comment box.