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Chime Referral Bonus [2024]

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In this article, I’ll describe exactly how the Chime sign up bonus works. Want to take advantage of mobile banking and make $100 while you’re at it? Then read on!

Chime is a mobile banking platform that maximizes convenience.

The company was recently valued at $25.5 billion. So, it’s no wonder Chime is willing to generously reward customer referrals.

When an existing user sends a referral link to a friend – and that friend meets some basic requirements – both people can get a $100 Chime referral bonus!

What Is The Chime Referral Bonus?

The Chime referral bonus is a $100 bonus that Chime uses to attract new customers.

There are two ways to get the Chime referral bonus:

  • Be a Chime user and refer a friend to the app who then receives a qualifying direct deposit of $200+ within 45 days.
  • Sign up for Chime by clicking through someone else’s referral link, and then receive a qualifying direct deposit of $200+ within 45 days.

Before digging deeper into the Chime sign up bonus, let’s take a step back and ask a more general question: What is Chime?

Someone holding a cell phone with the Chime app displayed showing checking and savings balances and recent transactions.
Chime is a convenient digital banking app – and you can earn $100 through the Chime referral bonus. 
Source: Chime

Chime is a personal finance platform that makes digital banking easy. You can download the Chime app (available for iOS and Android) and then use it to open a checking account, earn interest, and even get early access to your paychecks.

Download the Chime app

Learn more with this complete Chime review

And Chime isn’t the only bank that pays people for signing up. Check out this list of banks with immediate sign up bonus.

How To Get The $100 Chime Referral Bonus

You can get the $100 Chime referral bonus by referring a friend or by signing up for Chime with an existing user’s referral link.

Are you a current Chime customer? Then here’s how you can get the referral bonus by sharing the app with friends, family, and even strangers:

  1. Open the Chime app.
  2. Go to “Settings” by tapping the gear-shaped icon.
  3. Tap “Invite Friends, get paid.”
  4. Select names from your contact list.
  5. Customize the message (if you want).
  6. Hit send, and your contacts will receive your referral link. 

Your friends will then decide whether or not to sign up for Chime by clicking through the link you’ve sent them. 

Download the Chime app

But simply getting your friends to sign up isn’t enough. You also need them to receive a direct deposit of $200 or more within 45 days of opening their Chime account. 

If you don’t currently have Chime, then you can get the $100 bonus by using someone else’s referral link. Here’s how to do it:

  1. Click your friend’s referral link to create a Chime account.
  2. Enter some personal information (including your name, social security number, phone number, date of birth, email address, and password).
  3. Download the Chime mobile app, which is available through both the Apple App Store and the Google Play Store.
  4. Receive a qualifying direct deposit of $200 or more within 45 days.

Once the direct deposit hits, both people will receive a $100 bonus (the user who provided the referral link and the new user who used the link to sign up).

So, the Chime referral bonus only works if the new user receives a direct deposit. Let’s unpack that requirement a bit further. 

A direct deposit is a payment that someone (usually an employer) sends directly to your bank account. That means your paycheck will arrive in your Chime account, which is extra convenient. You won’t have to bother depositing a physical check!

There are three ways to set up direct deposit with Chime:

  • Option #1: Request a completed direct deposit form from the Chime app, then send it to your employer.
  • Option #2: Find your employer within the Chime app and then have Chime set up direct deposit for you.
  • Option #3: Sign up through a portal with your employer or a payroll provider, using the routing number and account number that Chime provides for you.

Getting the Chime sign up bonus is just one advantage of setting up direct deposit. You could also access your paychecks early! Learn more about early direct deposit.

Once you’re a Chime user, you can continue to take advantage of the bonus by referring other people. That’s why the Chime sign up bonus is a gift that keeps on giving!

But what if the $100 bonus isn’t enough, and you find yourself in need of an extra influx of cash? You could also request a cash advance and have the money sent to your Chime account. Check out this list of cash advance apps that work with Chime.

How Long Does It Take To Get Chime Referral Bonus? 

The $100 Chime referral bonus should arrive in your account within 2 business days of meeting the requirements.

And remember, the main requirement is that the new user must receive a single direct deposit of $200 or more within 45 days of opening their Chime account.

Once that direct deposit arrives, both people (the one who sent the referral link and the one who created a new account) should get their $100 bonus in just a matter of days!

The Chime sign-up screen.
If you sign up for Chime by using a referral link, you could get a $100 bonus.
Source: Chime

Commonly Asked Questions About the Chime Referral Bonus

Chime $250 Sign Up Bonus?

Chime doesn’t offer a $250 sign-up bonus, but it does offer a $100 referral bonus. If an existing user sends their referral link to a friend, and then that friend creates a Chime account and receives a direct deposit of at least $200 within 45 days, both people will get $100. 

Chime $200 Sign Up Bonus / Chime 200 Bonus?

Chime currently offers a bonus for new users who sign up using a referral code, but it’s only $100. But Chime sometimes offers different incentives, so you can hold out hope for a $200 Chime referral bonus in the future!

Chime Referral Code / Chime Bonus Code?

Chime uses links for referrals, not codes. So, if you know someone who’s a Chime user, you can ask them to send you their referral link. Then, if you end up receiving a direct deposit of $200 or more within 45 days, you’ll both get a $100 bonus. 

Chime $100 Referral Bonus / Chime 100 Dollars? 

Chime offers a $100 referral bonus for both the existing user and the new user. The only requirement is that the new user must receive a direct deposit of $200 or more within 45 days of opening their Chime account.

Chime $50 Sign Up Bonus?

Chime doesn’t offer a $50 sign up bonus, but it does offer something even better: a $100 referral bonus! So, if you know someone who’s an existing Chime user, ask them to send you their referral link. You can also find Chime referral links online. 

Does Chime Give You Money For Signing Up?

Chime gives you a $100 bonus if you sign up through an existing user’s referral link and receive a direct deposit of $200+ within 45 days. To take advantage, find an existing Chime user who will share their link. Then sign up for Chime and set up direct deposit. 

Chime Refer a Friend?

Chime has a generous referral program. If an existing user sends a referral link to a new user and that new user receives a direct deposit of $200+ within 45 days, both people will get the $100 Chime referral bonus. 

What Is The Chime Instant Bonus?

Chime offers a generous referral bonus, but it isn’t quite instant. Let’s say a new user signs up with a referral link and receives a direct deposit of $200 or more within 45 days. Both people should then receive a $100 bonus within 2 business days following that direct deposit. 

Chime is a mobile banking platform that maximizes convenience.

The company was recently valued at $25.5 billion. So, it’s no wonder Chime is willing to generously reward customer referrals.

When an existing user sends a referral link to a friend – and that friend meets some basic requirements – both people can get a $100 Chime referral bonus!