Does Chime SpotMe Work With Apple Pay – Know More

If you ever needed a little extra cash for the long-awaited vacation or you had to buy that designer bag, you surely have taken help from your Chime SpotMe. And if you are new to this no-fee overdrawing service, you might be happy to hear that many payment methods work well with Chime SpotMe, including Apple Pay.

Does Chime SpotMe Work With Apple Pay

The no-fee overdrawing service by Chime, SpotMe works seamlessly with the iOS payment app Apple Pay. You can add your existing or new Chime debit card to the Apple Pay wallet and use it when making a purchase.

Is Chime SpotMe Compatible with Apple Pay?

Chime is an American finance company that lets its eligible customers overdraw from their Chime account up to a $200 fee-free. So, naturally, this Chime SpotMe service is favored by many over traditional bank accounts.

Additionally, SpotMe works well for different transactions like purchases through debit cards, ATM withdrawals, over-the-counter(OTC) transfers, etc. So you can use Chime SpotMe to overdraw and pay with Apple Pay by adding your Chime debit card to your Apple Wallet and requesting an overdraw.

You will be eligible for a SpotMe base overdraft limit of $20 if you have had at least one direct deposit of $200 or more from your employer through Automated Clearing House (ACH) within 34 days of opening SpotMe. This limit can increase up to $200.

How To Add a Chime Card To Apple Pay Wallet?

You can use Chime SpotMe only if you have an active Chime Debit card. So you need to add that debit card to your Apple Pay wallet. To Add your Chime debit card

  • Open the Apple Wallet on your iOS device.
  • Tap on the + sign near the upper right corner.
  • The iSight camera will open where you can scan your card. Hold your device over the card and wait for a few seconds to complete the scanning.
  • Follow the instructions from the corresponding bank (here from your Chime financial service) to confirm the link.
  • Select on Add card.

Now you can use Chime SpotMe during any purchase through your Apple Wallet.

How Does SpotMe Work During Payment?

You can follow these steps for a successful payment using Apple Pay

  • Make sure that SpotMe is enabled, from your Chime app.
  • Select the item you want to purchase.
  • Open your Apple wallet from your device.
  • Authenticate yourself with either password or ID.
  • Choose Chime from the payment options.
  • Hold your device near the POS machine.
  • Wait for the confirmation sound. Then check out your purchase.

If you have a lower credit balance in your Chime account than the cost of the purchased item, Chime SpotMe will cover the rest. The money will be credited to the merchant and your Chime balance will be negative.

Transferring Money From Apple Pay To Chime Account

If you want to credit your Chime Checking account to increase your SpotMe balance, or not use SpotMe, you can transfer money from another account to Chime using Apply Pay. It is fast, simple, and secure.

There are two methods of fund transfer. Standard Bank transfer, where the money will be deposited to Chime’s associated banks Stride Bank, and Bancorp Bank. This process can take 1-3 business days. First, open your Apple Wallet. Then, tap on the Apple Cash card. Select the ‘Transfer to Bank’ option. Finally, enter the amount and confirm with a passcode or ID.

The second method is Instant Transfer. Similar to the first method, follow the steps up to selecting an Apple cash card. Then select chime debit card as a transfer location. Then, click on ‘Instant Transfer’ after selecting the transfer amount.


Chime SpotMe is a real lifesaver in urgency. And its convenience and flexibility with various payment options make it likable. And Apple’s user-friendly interface, secure process, broad options of banks, and financial services likewise help the case. So, if you maintain a regular deposit in your Chime account, you don’t need to worry about accidental overboard shopping.


  1. Can I increase my overdraft limit on Chime SpotMe?

Yes, you can increase your overdraft limit up to $200 if you have a regular direct deposit to your account. It also depends on your spending, account history, etc.

  1. Can I use Chime SpotMe to renew my Netflix subscriptions?

No, the Chime SpotMe service does not extend to recurring automated payments from your Chime Checking Account like bill payment of Netflix Subscription.

  1. Will Chime SpotMe work outside of the US?

Yes, the Chime debit card is accepted internationally. So, you can use Chime SpotMe through your card directly or via mobile payments like Apple Pay.

  1. Why does my Chime SpotMe limit keep changing?

Chime SpotMe overdraft limit can increase due to your healthy account history, Chime bonuses, and Chime Boosts given by Chime members. While the limit can decrease due to the offers expiring or your account not meeting the eligibility criteria.

Does Chime SpotMe Work With Apple Pay – Know More

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