How To Get Free Money On Chime (2023)

Are you looking for ways to make some extra money? Perhaps you have heard that you can get free money on Chime and want to know if it is true?

Or are you just curious and want to learn more about Chime? Whatever the reason might be that brought you here today, we have the answers for you!

How To Get Free Money On Chime
How To Get Free Money On Chime (2023) 2

We know just how challenging it can be to get your hands on some extra cash these days. No matter how well you budget, or how many side hustles you try alongside your job, the reality is that your money just isn’t going as far as it used to.

So it’s no wonder more and more people want to learn how to get free money on Chime. 

But how do you do it? And is it too good to be true? These questions can plague us, keeping us up at night as we try and find the answers that could solve our financial worries. 

Well, no more! Today, we are here to put those questions to bed and give you the answers that you need. Just keep reading to find out how you can get free money on Chime and everything else you need to know! 

What Is Chime?

Before we dive into today’s article, let’s have a quick recap for those that need it! Chime is a financial technology company that offers banking services.

Through their app, you can easily open checking and savings accounts and handle your finances. Although it is not a traditional bank, the company is covered by FDIC insurance, so your money is in safe hands! 

Chime offers users an extensive ATM network, early access to direct deposits, and no overdraft or monthly fees! Plus the app is relatively easy to use, so you don’t need to worry about getting to grips with new technology!

The customer service on the app is also pretty user-friendly, allowing you to transfer funds, deposit checks, send money to others, and freeze your card if you lose it or it’s stolen. 

As good as Chime sounds, there are some drawbacks. The interest rates on savings accounts aren’t great, the services are a little limited, a\nd it can be tricky to make cash deposits.

Plus you have to pay a fee for them! There is also a fee if you withdraw cash at an ATM that is out of the Chime network. You will want to check what ATMs you can use near you before setting up an account with Chime! 

Despite their drawbacks, the app is ideal for those looking to bank with their phones or have access to a savings account with no minimum balance. It’s worth considering these factors carefully before banking with Chime. 

How To Get Free Money On Chime

Now that we know what Chime is, you must be wondering how you can use it to make free money! Well, there are a few ways that you can make some cash with Chime, so let’s take a look at them now! 

Open A New Account

For new customers, you can get a bonus when you switch to banking with Chime! How much this is depends on the promotion that is currently running, so be sure to check on Chime before you set up your account!

You can switch accounts easily, by creating a Chime account and following any promotions on their website. 

Some people have made $100-$200 by simply opening an account and switching it so their paycheck is deposited into Chime instead! The offer can vary depending on how much money is deposited into your account, and whether it is put into a savings or checking account. 

As the new customer offers can vary, it’s hard to say just how much you can make, but it’s a good way to get your hands on some free money! 

Refer A Friend

Friend referrals are a sure way to make some free money easily! By referring a friend, you can each earn $100! All you need to do is invite friends through the app (by clicking Settings and following the Invite Friends section on the app) and wait for your friends to create an account! 

The amount you can earn for referring friends varies every month, so be sure to check on Chime before you start inviting friends! To get the money, your friend needs to use the link you will send them and receive a direct deposit of at least $200 within 45 days.

Once done, you both get $100!  And you can invite multiple friends to make even more money for free, allowing you to make even more money! 

Using MyPoints

If you don’t know, MyPoints allows you to earn points while you shop in main retailers like Walmart and Target. If you use this, you can claim up to 44,000 points, equivalent to $275 when you sign up for Chime!

This offer does have an expiration date, so you will want to move quickly! However, these offers do reappear, so if you miss out now, you are sure to grab another offer at a later date. 

To get your 44,000 points, you need to sign up for Chime, download the app, and receive a direct deposit of at least $200 within the first 30 days.

Once this has happened, the points will be transferred to you within 60 days. You can then convert these points into cash and enjoy them, it’s that easy! 

Final Thoughts

And there you have it, a few different ways that you can get free money on Chime! Whether you are a new customer or a seasoned lover of Chime, there is a way for everyone to make some extra cash with the app! Just be sure to check the offers regularly, as they can change!
Andre Flowers
Andre Flowers

Hello, my name is Andre Flowers and I have been a Licensed Real Estate Professional for over 24 years. I also carry several certifications, including: Certified Distressed Property Expert, Certified Global Business Professional, Certified Credit Repair Specialist.

As a current Mortgage Underwriter with 15 years of experience, I have seen my fair share of money-related issues. Whether that be high levels of debt, not enough credit, or simply a lack of funds - I’ve had clients who fit into these categories.

Here I will share tips, tricks, and experiences on how you can get yourself back in control of your finances.

Articles: 179