Chime
Built-in referral
US
$100–$200 account credit
Chime is a neobank offering fee-free checking and savings accounts with no monthly fees, early direct deposit up to 2 days before payday, and spending management features. Includes optional Chime Card debit card with cash back rewards.
Chime pays variable account credit, historically $100-$200 (Chime says the amount may vary based on the active offer at signup time), through a referral link that already sits inside the product, with no application. The referred customer gets fixed $100 account credit (per Chime's help center: "your friend receives $100"), regardless of the referrer's variable offer amount. Verified 27 Sept 2026 from Chime's own published material.
No application — it is already in your account
View products
Paid when
Referee signs up using referrer's unique referral link, opens a Chime Checking…
Payment delay
Chime's referral blog states the bonus is "generally deposited within 10 business days after the person you referred completes all qualifying requirements"
Minimum payout
Bonus credit applied directly; no separate cash-out option
Click counts for
Referral link-based: referee must use referrer's link at signup; qualifying deposit of $200+ must occur within 45 calendar days of account creation, and the physical debit card must be activated within 14 calendar days after that deposit
Your commission
Variable account credit, historically $100-$200 (Chime says the amount may vary based on the active offer at signup time).
Referrer receives credit to their Chime account once the referee completes all qualifying steps and the referrer's account remains in good standing. Bonus amount displayed in-app at time of referral link generation. Annual maximum: 10 referrals per calendar year (exact cap on dollars varies with offer).
Customer incentive
Fixed $100 account credit (per Chime's help center: "your friend receives $100"), regardless of the referrer's variable offer amount.
Referee receives a $100 account credit after opening a new Chime Checking Account via the referral link, receiving a single qualifying direct deposit of $200+ within 45 days of account opening, and activating their physical Chime Visa Debit Card within 14 calendar days of that qualifying deposit.
The terms that decide whether you get paid
Paid whenReferee signs up using referrer's unique referral link, opens a Chime Checking Account, receives a single qualifying direct deposit of $200 or more within 45 calendar days of account opening (window cannot be extended), and activates their physical Chime Visa Debit Card within 14 calendar days of that qualifying deposit. Once all three steps are complete, the referee receives $100 and the referrer earns their current offer's bonus, provided the referrer's account is in good standing.
DurationOne-time bonus per referral; no recurring component
Attribution windowReferral link-based: referee must use referrer's link at signup; qualifying deposit of $200+ must occur within 45 calendar days of account creation, and the physical debit card must be activated within 14 calendar days after that deposit
Payment delayChime's referral blog states the bonus is "generally deposited within 10 business days after the person you referred completes all qualifying requirements"
Payment scheduleOne-time bonus, credited automatically once all qualifying steps are met (no recurring or installment schedule found)
Minimum payoutBonus credit applied directly; no separate cash-out option
Payout formReferrer's variable offer amount (historically $100–$200) credited to their Chime Checking Account; referee gets a fixed $100 credited to theirs. No cash-out option.
Self-referralBanned; existing Chime members ineligible as referees. Also banned: closed account holders (within 90 days), business accounts, employees.
Important
Program limited to 10 referrals per calendar year per referrer. The referrer's bonus amount is variable and shown only in-app (Chime states it is not fixed), while the referee's bonus is a published fixed $100. Referral now requires a $200+ qualifying deposit within 45 days AND physical debit card activation within 14 days of that deposit -- missing either step forfeits the bonus. No published clawback/reversal terms were found in Chime's public help center content reviewed. Employees ineligible. Referral links for personal use only (no commercial promotion).
Referrer and referee bonus amounts are asymmetric, not matched as previously assumed: referee gets a fixed $100, referrer's amount varies by offer. Qualification now has two steps (deposit + card activation), not just a deposit. 45-day deposit window is strict from account creation. 10/year cap is lower than many competitors. US-only (geographically restricted). Account type eligibility not explicitly stated.
What you would be selling
Not really an affiliate program — a capped built-in customer-referral scheme (10 referrals/year, ~$1,000 max) restricted to personal use, explicitly banning the commercial promotion an affiliate directory exists to enable.
Chime is one brand with 4 products, bought by different people. What one converted customer is worth cannot be worked out for any of them: that needs a rate, a plan price and a commission window, and this program does not publish all three.
Not published
Not every figure needed is published.
business banking
Digital Banking Accounts
Fee-free checking and savings accounts opened in the app, with deposits held at Chime's partner banks.
Not published
Not every figure needed is published.
business banking
Mobile Payments and Transfers
Person-to-person transfers, mobile cheque deposit and instant card freezing, all from the phone.
Not published
Not every figure needed is published.
business banking
No-Fee Banking Services
No monthly, overdraft or minimum-balance fees, with fee-free withdrawals inside the partner ATM network.
Not published
Not every figure needed is published.
business banking
Early Direct Deposit
Payroll credited up to two days early, as soon as the employer's deposit file arrives rather than on the settlement date.
Everything Chime publishes about how the commission is earned and paid. A term shown as not researched is one Chime does not publish, not one that does not apply.
How it pays
Route inBuilt-in: Chime mobile app (home → 'Refer Friends' or 'Rewards') or web dashboard → generate unique referral link → share via text, email, or social media
DurationOne-time bonus per referral; no recurring component
Attribution windowReferral link-based: referee must use referrer's link at signup; qualifying deposit of $200+ must occur within 45 calendar days of account creation, and the physical debit card must be activated within 14 calendar days after that deposit
Payment delayChime's referral blog states the bonus is "generally deposited within 10 business days after the person you referred completes all qualifying requirements"
Payment scheduleOne-time bonus, credited automatically once all qualifying steps are met (no recurring or installment schedule found)
Minimum payoutBonus credit applied directly; no separate cash-out option
Payout formReferrer's variable offer amount (historically $100–$200) credited to their Chime Checking Account; referee gets a fixed $100 credited to theirs. No cash-out option.
Self-referralBanned; existing Chime members ineligible as referees. Also banned: closed account holders (within 90 days), business accounts, employees.
Must you be a customerYes—referrer must have an active Chime account in good standing
ClawbackNo published clawback/reversal policy was found on Chime's help center or referral blog pages reviewed. Chime does require the referrer's account to remain "in good standing" for the bonus to pay out.
Where it paysDirectly into each party's own Chime Checking Account (referrer's and referee's), per Chime's referral blog
ApprovalAutomatic once all qualifying steps are verified; referral status can be checked under Profile > Invite Friends in the Chime app
Restrictions
·US-only
·Explicitly bans commercial/affiliate promotion — personal use only
·Hard annual cap: 10 referrals (~$1,000 max per year)
·One-time bonus only, no recurring revenue
Customer pricing
Chime offers fee-free mobile banking with no monthly maintenance fees, minimum balance requirements, or overdraft fees.
Chime Banking Account$0/month, no fees, FDIC-insured checking
Chime Savings Account$0/month, no fees, variable APY on savings
Chime Card (Debit)$0 annual fee, cash back rewards on purchases
Early Direct DepositReceive paycheck up to 2 days early
SpotMe BoostOptional overdraft protection up to $500
Round-ups & AutosaveAutomatic savings features for flexible saving
Verified
Read from Chime's own published material on . Figures change without notice — quote this date alongside any figure.
Sources
Chime Help Center: Refer a friend to Chime ↗Chime blog: Chime's Referral Program ↗Chime Official Website ↗Chime Help Center ↗
Chime Help Center article "Refer a friend to Chime": referral program overview and qualifying steps
Chime's own referral blog post: payment timing and deposit-location detail
Account eligibility requirements: Chime Help Center
Deposit and card-activation timing requirements: Chime Help Center referral article
Annual cap and offer variations: Chime Help Center
Prior sources verified in late August 2026 were re-checked and partly corrected on September 27, 2026, after finding that the referrer and referee bonus amounts are asymmetric rather than matched, and that a physical debit card activation step was added to the qualifying requirements.
How this programme compares to its rivals was originally written from the terms available in late August 2026 and has not been re-checked against the September 27, 2026 corrections above.
Citing this page
Ancaster, “Chime affiliate terms”. Verified 27 September 2026. https://ancaster.io/offers/chime
How this was verified
Verified
Read from Chime's own published material on . Figures change without notice — quote this date alongside any figure.
Who else does this
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PayoneerDigital Wallet
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WiseMulti-Currency Account
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The re-verification note
We read Chime's terms on 2026-09-27. Programs change a rate, a cookie window or a payment threshold without announcing it — we re-read them and send one note a week saying what moved.
One note a week, every figure dated and linked to its source. Unsubscribe in one click; we never sell or share the address.