Chime Fee Calculator — Instant Transfer & ATM Fees [2026]

Chime charges 0.5% to 1.5% (min $0.25, max $15) for instant transfers to external accounts. Standard transfers between Chime accounts and to most external banks via ACH are free but take 1-3 business days.

The Chime instant transfer fee is 0.5% to 1.5% of the transfer amount, with a minimum fee of $0.25 and a maximum fee of $15. For example, sending $100 instantly costs $0.50-$1.50; sending $1,000 costs $5-$15.

Chime charges $2.50 for out-of-network ATM withdrawals. However, Chime has 60,000+ fee-free ATMs in the Allpoint and MoneyPass networks. Always check the Chime app to find a nearby fee-free ATM before withdrawing.

Chime has no monthly maintenance fees, no minimum balance fees, no overdraft fees (with SpotMe for eligible accounts), and no foreign transaction fees. The main fees are instant transfer fees (0.5%-1.5%) and out-of-network ATM fees ($2.50).

For free transfers: both Chime and Venmo offer free standard transfers (1-3 business days). For instant transfers: Chime charges 0.5%-1.5% while Venmo charges 1.75% (min $0.25, max $25). For larger amounts, Chime's 1.5% cap vs Venmo's 1.75% can make Chime slightly cheaper.

SpotMe is Chime's overdraft protection feature that lets eligible members overdraft up to $200 without fees. It's free to use — Chime doesn't charge overdraft fees. To qualify, you need at least $200 in direct deposits per month. SpotMe replaces traditional overdraft fees with a fee-free safety net.