Chime refer a friend · referral bonus

Chime referral bonus

Chime referral, Chime refer, and Chime refer a friend all mean the same thing: you must use the invite when you sign up. If you qualify, the Chime referral bonus is up to $100 after one qualifying direct deposit of $200 or more within 45 days, plus activating the physical card within 14 days of that deposit. Payroll and benefits usually count. Transfers from your other bank, Venmo, Cash App, and PayPal usually do not.

Advertiser disclosure: if you use the link on this page, a member or the founder may receive a referral reward. You still get the company’s advertised bonus if you qualify. Easy Made Money is not affiliated with the brand except as a user of its referral program.

Chime refer a friend

Chime referral bonus: up to $100

Open a new Chime Checking Account with this Chime referral link, get one qualifying $200+ direct deposit within 45 days, and activate the physical card within 14 days of that deposit. That is the Chime refer a friend bonus on this page.

Banking app · up to 10 referrals / year for them

Chime

You can earn up to $100 after a qualifying direct deposit. The person who referred you can earn a bonus too (often $100, plus a temporary SpotMe bump on some offers).

You need to

Open a new Chime Checking Account with this link. You cannot add a referral later.
Receive one qualifying direct deposit of $200 or more within 45 days.
Activate your physical Chime card within 14 days of that deposit.

What counts as the deposit

Payroll, government benefits, or gig-economy ACH/OCT usually count. Bank transfers, Pay Anyone, Venmo, Cash App, PayPal, check deposit, and cash usually do not. If you only move money from your other bank, you will likely miss the bonus.

This click goes to Founder.

You’re on a phone

Chime needs this invite in Safari or Chrome. Tap below. If it asks to open the Chime app, say yes. You cannot add a referral later.

Open Chime

Best on your phone

Chime usually records the invite from a phone browser. Scan, then finish in Safari, Chrome, or the app. You can still try the website on this computer.

Continue on this computer

Chime referrer math

Published numbers if they qualify

Both sides can get $100. Chime lists 10 referral rewards a year for the person sharing. Bank transfers, Venmo, and Cash App usually do not count.

You, each$100

They get$100

Year cap10 · $1,000

To cover $84/yr1 signup

If this many qualify	Gross (Chime pays you)	$84/yr membership	Net	Share of $1,000 cap
1 signup	$100	$84	$16	10%
3 signups	$300	$84	$216	30%
5 signups	$500	$84	$416	50%
10 signups (year cap)	$1,000	$84	$916	100%

Hurdle: new Chime Checking, one $200+ qualifying direct deposit in 45 days, physical card activated within 14 days of that deposit.
Usually fails: transfers from your other bank, Venmo, Cash App, PayPal, checks, cash.
Invite has to stick at signup. You cannot add a Chime referral later.

Common questions

Does a bank transfer count for Chime?

Usually no. Chime wants a qualifying ACH from an employer, benefits, or gig payer — not a transfer you send yourself.

Can I add a Chime referral after I open the account?

No. The link has to be used when you sign up.

Should I open Chime on my phone?

Yes if you can. Chime records the invite from Safari or Chrome. Scan the code from a computer, or tap Open Chime on your phone.