Chime International Card Activation: A Step-by-Step Guide

If you’re an avid international traveler, you’ve probably encountered the inconvenience of having your card declined abroad. To avoid this frustrating experience, it’s essential to activate your card’s international capabilities before your departure. While the process can vary slightly depending on your bank or credit union, turning on international card access generally follows a few straightforward steps. Let’s delve into the specifics and ensure seamless transactions during your next global adventure.

Before embarking on your international escapade, contact your bank or credit union and inform them of your travel plans. This is a crucial step as it alerts them to upcoming foreign transactions, reducing the likelihood of your card being blocked for suspicious activity. Subsequently, inquire about any necessary steps to activate international usage on your card. Often, this involves updating your account preferences online or via a mobile app. Follow the instructions meticulously, ensuring that your card is fully enabled for international transactions.

Once you’ve completed the activation process, you can rest assured that your card will be ready to use abroad. However, it’s worth noting that some banks may charge foreign transaction fees. To avoid any unexpected charges, inquire about these fees before using your card overseas. Additionally, inform your bank about the specific countries you’ll be visiting to ensure your card is unblocked for use in those regions.

Activating an International Card on Chime

Unlocking the world with Chime’s International Card is as easy as a few simple steps. Follow this comprehensive guide to activate your card and start exploring global financial freedom:

1. Confirm Card Compatibility

Before you dive into the activation process, ensure that your Chime account supports international transactions. This vital step helps avoid potential roadblocks and ensures a seamless experience.

To check compatibility, visit the Chime website or mobile app and review your account details. If you don’t find specific information about international card features, reach out to Chime’s customer support for clarification. They are readily available to assist you with your queries.

2. Retrieve Your International Card

Once you confirm compatibility, it’s time to get your hands on your International Card. This card is typically included in your Chime Starter Kit, which is sent to your registered address upon account opening. If you haven’t received the kit within 7-10 business days, you can request a replacement card through Chime’s customer support.

3. Activate Your Card

With your International Card in possession, it’s time to activate it. This step is crucial for enabling card transactions and ensuring its functionality. You can activate your card by following these simple methods:

Chime Mobile App:
- Open the Chime app on your smartphone.
- Navigate to the “Cards” section.
- Select your International Card and follow the on-screen activation instructions.
Chime Website:
- Visit the Chime website and log in to your account.
- Click on the “Manage Cards” tab.
- Select your International Card and follow the on-screen activation instructions.
Automated Phone Activation:
- Call Chime’s customer support number.
- Provide your account information and follow the automated prompts to activate your card.

After completing the activation process, you’ll receive confirmation that your International Card is ready to use. Remember to set a PIN for secure transactions.

4. Usage Guidelines

Now that your International Card is activated, it’s essential to understand its usage guidelines. These guidelines ensure responsible use and prevent potential issues:

Transaction Limits: Chime sets transaction limits for international use to safeguard your account. These limits vary based on factors such as your account history and financial standing. You can check your limits through the Chime app or website.
Fees and Charges: International transactions may incur fees, including foreign transaction fees and ATM withdrawal fees. These fees vary depending on the country you are using the card in. Familiarize yourself with the fee structure before making transactions to avoid unexpected charges.
Currency Conversion: When using your International Card in a country with a different currency, Chime will convert the transaction amount to U.S. dollars. This conversion uses the daily exchange rate set by Visa, the card network that powers Chime’s International Card.
Security Measures: Chime employs robust security measures to protect your account and transactions. It’s recommended to monitor your account regularly for any unusual activity and promptly report any unauthorized transactions.

5. Additional Tips

Here are a few additional tips to enhance your experience with Chime’s International Card:

Inform Chime of Travel Plans: Notify Chime of your travel dates to prevent your card from being blocked due to suspicious activity.
Use ATMs with Visa Acceptance: Look for ATMs that accept Visa to avoid potential compatibility issues.
Save Contact Information: Keep Chime’s customer support number handy in case you encounter any difficulties while using your International Card abroad.

Step-by-Step Instructions: Enabling International Card Usage

Step 1: Login to Chime

Start by logging into your Chime account using your username and password. Once you’re logged in, locate the "Manage Card" section.

Step 2: Enable International Usage

Once you’ve selected the “Manage Card” section, you’ll be presented with several options. Look for the “Enable International Usage” button and click on it.

A new pop-up window will appear, providing you with details about international card usage, such as fees and limitations. Read the information carefully before proceeding.

To enable international card usage, you’ll need to complete the following steps:

Enter your Chime debit card number.
Provide your Chime debit card expiration date.
Enter the CVV number located on the back of your debit card.
Select the countries where you plan to use your card. You can choose multiple countries by holding down the “Ctrl” or “Command” key while selecting.
Review the terms and conditions, then click the “Enable” button.

Your card will be activated for international usage within a few minutes.

Step 3: Verify International Card Usage

Once you’ve enabled international usage, it’s a good idea to verify that it’s working properly before using your card abroad. Here are a few steps to help you test it:

Make a small purchase online using a retailer that accepts international payments.
Check your Chime account activity to ensure that the transaction went through.
If the transaction was successful, your card is ready to be used internationally.

Step 4: Fees and Limitations

Keep in mind that using your Chime debit card internationally may incur some fees and limitations. Here’s a breakdown:

Transaction Type	Fee
Foreign Transaction Fee	3% of transaction amount
ATM Withdrawal Fee	$2.50 per withdrawal

Additionally, there may be daily limits on how much money you can withdraw or spend abroad. Check with Chime for the specific limits.

Step 5: Additional Tips

Here are a few additional tips to keep in mind when using your Chime debit card internationally:

Notify Chime of your travel plans to avoid your card being blocked for suspicious activity.
Keep your card safe and secure, and consider carrying a backup payment method.
Monitor your Chime account activity regularly to track your spending and avoid any unauthorized transactions.

Understanding the Benefits of an International Chime Card

International Chime cards offer several advantages over traditional bank cards when traveling abroad. Here are some key benefits:

Zero foreign transaction fees: Unlike most traditional bank cards, Chime cards do not charge a fee for purchases made in foreign currencies. This can save you significant money on exchange rates, especially if you’re making large purchases.
Widely accepted: Chime cards are accepted at millions of locations worldwide, including major retailers, hotels, and restaurants. You won’t have to worry about finding an ATM or currency exchange when you travel.
Real-time balance updates: Chime’s mobile app allows you to track your spending and view your balance in real-time, so you can stay on top of your finances while traveling. You can also set up alerts to notify you of any suspicious activity.
FDIC insured: Chime is FDIC insured up to $250,000, so your funds are protected in the event of fraud or loss.

Activating International Card Usage

To activate international usage on your Chime card, you’ll need to follow these steps:

Log into the Chime mobile app.
Select the “Settings” tab.
Under “Card Management,” toggle the “International Card Usage” switch to “On.”

Once you’ve activated international usage, you’ll be able to use your Chime card anywhere Visa is accepted. However, it’s important to note that some merchants may charge an additional fee for card transactions.

Troubleshooting International Card Usage

If you’re having trouble using your Chime card abroad, there are a few things you can do:

Check the card’s expiration date. If your card has expired, you’ll need to contact Chime to request a new one.
Make sure the card is not blocked. If your card has been reported lost or stolen, it will be blocked for security purposes. You’ll need to contact Chime to unblock the card.
Ensure the transaction is being processed in the correct currency. If you’re trying to make a purchase in a foreign currency, the merchant may need to manually adjust the transaction amount. You can also try using a different payment method, such as cash or mobile payment.

If you’re still having trouble using your Chime card abroad, you can contact Chime’s customer support team for assistance.

Maximizing the Functionality of Your International Chime Card

1. Activating Your International Chime Card

To activate your international Chime card, follow these steps:

Log in to your Chime account online or via the mobile app.
Click on the “Card” tab.
Select “Activate International Card” and follow the on-screen instructions.

Upon activation, your international Chime card will be ready for use within 24 hours.

2. Setting Up International Transaction Notifications

For added security, consider setting up international transaction notifications. This way, you’ll receive an alert every time your card is used internationally.

Log in to your Chime account.
Click on the “Settings” tab.
Select “Notifications” and then “International Transactions”.
Toggle the switch to “On”.

3. Understanding Currency Exchange Rates

When using your international Chime card, be aware of the currency exchange rates that apply. These rates may vary depending on the country and currency you’re using. Chime uses Visa’s exchange rates, which are typically competitive and updated regularly. You can check the current rates by visiting Visa’s website.

4. Withdrawing Cash from ATMs

To withdraw cash from ATMs internationally, follow these steps:

Insert your Chime card into the ATM.
Enter your PIN.
Select “Withdraw Cash” and enter the amount you want to withdraw.
Confirm the transaction and take your cash.

Note that ATM transaction fees may apply, depending on the ATM and its location.

5. Using Your International Chime Card for Online Purchases

To use your international Chime card for online purchases, simply enter your card details at checkout, as you would with any regular credit or debit card. However, there are some additional things to keep in mind:

Verify the merchant: Before making an online purchase, verify that the merchant is legitimate and reputable.
Use a secure connection: Ensure that you’re making the purchase on a secure website, indicated by an “HTTPS” prefix in the URL and a lock icon in the browser’s address bar.
Be aware of currency conversion: When making a purchase in a different currency, your Chime card will automatically convert the amount to US dollars, using Visa’s exchange rate. However, some merchants may offer their own currency conversion rates, which may be less favorable. It’s always advisable to check the exchange rate before confirming your purchase.
Consider using a virtual card: For added security when making online purchases, consider using Chime’s virtual card feature. This creates a unique, one-time-use card number for each transaction, reducing the risk of unauthorized access to your main account.
Monitor your transactions: Regularly review your Chime account statement to ensure that all transactions are authorized and correct. If you notice any suspicious activity, report it to Chime immediately.

6. Managing Your International Chime Card

To manage your international Chime card, you can use the Chime mobile app or website.

Set spending limits: You can set daily, weekly, or monthly spending limits for your card to control your expenses.
Block and unblock your card: If you lose your card or suspect unauthorized activity, you can quickly block it through the Chime app. You can also unblock it later if you find it.
Change your PIN: You can set or change your PIN through the Chime app or website for added security.
Report a lost or stolen card: If your card is lost or stolen, report it to Chime immediately to prevent unauthorized use.

7. Fees and Limits

The following fees and limits apply to international Chime card usage:

ATM withdrawal fee: $2.50 plus any additional fees charged by the ATM operator.

Currency conversion fee: 3% of the transaction amount. This fee applies to all transactions made in currencies other than US dollars.

International purchase limit: $3,000 per day and $10,000 per month.

International ATM withdrawal limit: $500 per day and $2,000 per month.

These limits can be adjusted based on your account history and usage.

8. Additional Tips for Using Your International Chime Card

Here are some additional tips to make the most of your international Chime card:

Inform Chime of your travel plans: It’s advisable to notify Chime about your travel plans to avoid any disruptions in service.
Learn basic local phrases: Familiarize yourself with basic local phrases to help you navigate ATMs and make purchases in the local language.
Be aware of your surroundings: When using your card, be vigilant and aware of your surroundings to prevent theft or fraud.
Carry alternative payment methods: It’s always wise to have a backup payment method, such as cash or a secondary credit/debit card, in case your Chime card encounters any issues.
Contact customer support for assistance: If you encounter any problems or have questions while using your international Chime card, don’t hesitate to contact Chime’s customer support for assistance.

Potential Fees Associated with International Card Use

When using your Chime card internationally, you may encounter additional fees. Understanding these fees and how to minimize them is crucial to avoid any surprises or unnecessary expenses. Here’s a comprehensive guide to the potential fees you may encounter:

Foreign Transaction Fee

This is a fee charged by your card issuer for processing transactions in a currency other than the one your card was issued in. Chime charges a 3% foreign transaction fee on all international purchases, excluding those made in Canada or Mexico.

ATM Withdrawal Fee

When withdrawing cash from an ATM outside Chime’s network, you may be charged an ATM withdrawal fee. This fee varies depending on the ATM operator and your card type. Chime charges a $2 ATM withdrawal fee for out-of-network withdrawals, and additional fees may apply from the ATM operator.

Currency Conversion Fee

When making a purchase in a currency other than your card’s home currency, the transaction will be converted at the prevailing exchange rate set by the card issuer. Chime uses Visa’s exchange rates, which may include a markup. To avoid currency conversion fees, consider using a card that offers zero foreign transaction fees.

Transaction	Fee
Foreign Transaction	3%
Out-of-Network ATM Withdrawal	$2
Currency Conversion	Visa’s exchange rate with potential markup

Point-of-Sale Conversion Fee

Some merchants may offer to convert the transaction amount to your home currency at the point of sale. While this may seem convenient, it often comes with a hidden fee. The merchant’s exchange rate is typically less favorable than the one used by your card issuer, resulting in a higher conversion cost.

Identification Verification Fee

When using your Chime card internationally, you may be asked to verify your identity to prevent fraud. This can involve providing additional information or documents. Chime does not charge an identification verification fee, but some banks or payment processors may do so.

Other Fees

In addition to the fees listed above, you may encounter other charges, such as:

Overdraft fees if you spend more than your available balance
Late payment fees if you miss a payment deadline
Inactive account fees if your account is inactive for an extended period

Minimizing Fees

To minimize the fees associated with using your Chime card internationally, consider the following tips:

Notify Chime of your travel plans to avoid any potential issues with using your card overseas
Use your Chime card for all eligible purchases to take advantage of the zero foreign transaction fee on purchases made in Canada and Mexico
Withdraw cash from ATMs within Chime’s network to avoid out-of-network ATM withdrawal fees
If withdrawing cash from an out-of-network ATM is necessary, consider a larger withdrawal to minimize the number of transactions and associated fees
Use a card that offers zero foreign transaction fees for purchases made outside of Canada and Mexico
Be aware of point-of-sale conversion fees and opt for your card issuer’s exchange rate instead
Keep track of your spending and avoid overdraft fees
Set up automatic payments to avoid late payment fees
Use Chime’s online banking services to monitor your account activity and avoid inactive account fees

By understanding the potential fees associated with international card use and implementing these tips, you can minimize any additional expenses and enjoy a seamless financial experience while traveling internationally.

Security Considerations for Using an International Chime Card

Using your Chime card internationally comes with additional security considerations. Here are some steps you should take to stay safe:

1. Notify Chime of Your Travel Plans

Before you travel, be sure to notify Chime about your travel dates and destinations. This will help them monitor your account for suspicious activity and prevent your card from being blocked.

2. Use a VPN

A VPN (Virtual Private Network) encrypts your internet traffic, making it more difficult for hackers to intercept your sensitive data. When using public Wi-Fi networks, always use a VPN to protect your financial information.

3. Be Aware of Your Surroundings

When making purchases or using ATMs, be aware of your surroundings. Be cautious of people who may be trying to shoulder-surf or skim your card.

4. Monitor Your Account Regularly

Keep a close eye on your Chime account activity while traveling. If you notice any unauthorized transactions, report them to Chime immediately.

5. Use Chip-and-PIN Transactions

If possible, use chip-and-PIN transactions instead of swiping your card. Chip-and-PIN transactions are more secure because they require you to enter your PIN, which is harder for hackers to obtain.

6. Disable International Transactions

If you’re not planning on making any international purchases, you can disable international transactions on your Chime card. This will help prevent unauthorized use of your card.

7. Consider Getting a Travel Credit Card

If you’re planning on doing a lot of international travel, consider getting a travel credit card. Travel credit cards typically offer better exchange rates and lower transaction fees than debit cards.

Here’s a table comparing the security features of different types of payment methods:

Payment Method	Security Features
Chime Debit Card	Requires PIN for chip-and-PIN transactions Monitored for suspicious activity Can be disabled for international transactions
Travel Credit Card	Typically offers better exchange rates and lower transaction fees than debit cards May offer additional security features, such as fraud protection and travel insurance

By following these security tips, you can help protect yourself from fraud and identity theft when using your Chime card internationally.

How to Turn International Card on Chime Account

To turn on your international card on your Chime account, follow these steps:

Log in to your Chime account.
Click on the “Card” tab.
Click on the “Turn on International Transactions” button.
Enter your verification code.
Your international card is now turned on.

Managing International Transactions on Your Chime Account

Transaction Fees

When you make an international transaction with your Chime card, you will be charged a transaction fee. The fee is 3% of the transaction amount. For example, if you make a purchase of $100, you will be charged a transaction fee of $3.

Exchange Rates

When you make an international transaction, your Chime card will use the Mastercard exchange rate. The exchange rate is the rate at which one currency is exchanged for another. The exchange rate can fluctuate, so it is important to check the exchange rate before making an international transaction.

Daily Transaction Limits

There is a daily transaction limit of $1,000 for international transactions. This limit is reset each day at 12:00 AM CST.

Weekly Transaction Limits

There is a weekly transaction limit of $2,500 for international transactions. This limit is reset each week on Monday at 12:00 AM CST.

Monthly Transaction Limits

There is a monthly transaction limit of $5,000 for international transactions. This limit is reset each month on the first day of the month at 12:00 AM CST.

ATM Withdrawals

You can use your Chime card to make ATM withdrawals in over 200 countries and territories. However, you will be charged a fee for each ATM withdrawal. The fee is $2.50 per withdrawal.

Point-of-Sale Purchases

You can use your Chime card to make point-of-sale purchases in over 200 countries and territories. However, you will be charged a transaction fee for each purchase. The fee is 3% of the transaction amount.

Online Purchases

You can use your Chime card to make online purchases in over 200 countries and territories. However, you will be charged a transaction fee for each purchase. The fee is 3% of the transaction amount.

Other Important Information

Here are some other important things to keep in mind when making international transactions with your Chime card:

Your Chime card will not work in all countries. For a list of countries where your Chime card will not work, please visit the Chime website.
You may need to provide your PIN number when making an international transaction.
You may be asked to provide additional information, such as your passport number, when making an international transaction.

Here is a table summarizing the fees and limits for international transactions on your Chime account:

Transaction Type	Fee	Daily Limit	Weekly Limit	Monthly Limit
ATM Withdrawals	$2.50	$1,000	$2,500	$5,000
Point-of-Sale Purchases	3% of transaction amount	$1,000	$2,500	$5,000
Online Purchases	3% of transaction amount	$1,000	$2,500	$5,000

Tracking Spending and Monitoring Account Activity with an International Chime Card

Overview

Chime’s international cards offer a convenient way to manage your finances while traveling abroad. By activating your international card, you can access funds from your Chime account and make purchases in foreign currencies without incurring additional fees. Additionally, you can track your spending and monitor your account activity through the Chime mobile app or website.

Activating Your International Card

To activate your international card, simply log in to your Chime account and navigate to the "Cards" section. Select your international card and follow the on-screen instructions. Once activated, your card will be ready to use at ATMs and merchants worldwide.

Making Purchases with Your International Card

When making purchases abroad, your international card will automatically convert the transaction amount to your home currency at the current exchange rate. You can use your card at any merchant that accepts Visa or Mastercard, including ATMs, retail stores, and restaurants.

Tracking Your Spending and Monitoring Account Activity

The Chime mobile app and website provide real-time visibility into your spending and account activity. Here are some key features:

Transaction History: View a detailed list of all transactions made with your international card, including the date, amount, currency, and merchant name.
Balance Updates: Stay informed about your account balance and keep track of your spending habits.
Foreign Exchange Rates: Monitor the current exchange rates for various currencies to stay informed about potential fluctuations that may affect your purchases.

Setting Spending Limits and Notifications

To ensure responsible spending, you can set spending limits for your international card. This helps prevent overspending and keeps your finances under control. Additionally, you can set up notifications to receive alerts when your card is used, when your balance is low, or when certain thresholds are met.

Additional Benefits

No Foreign Transaction Fees: Chime does not charge any foreign transaction fees on purchases made with your international card.
ATM Withdrawals: You can withdraw cash from ATMs worldwide using your international card, subject to potential withdrawal fees charged by the ATM operator.
24/7 Customer Support: Chime offers 24/7 customer support to assist you with any questions or issues you may encounter while using your international card.

Tips for Using Your International Chime Card

Inform Chime of Your Travel Plans: Notify Chime of your travel dates and destinations to avoid having your card blocked due to suspected fraud.
Check Exchange Rates: Keep track of exchange rates to make informed decisions about when and where to make purchases.
Use ATMs Safely: Be cautious when using ATMs in unfamiliar locations and shield your PIN number from prying eyes.
Beware of Scams: Protect yourself from fraudulent activities by only making purchases from reputable merchants and being vigilant about phishing emails or phone calls.

Detailed Guide to Tracking Spending and Monitoring Account Activity with an International Chime Card

Feature	Description
Transaction History	View a detailed list of all transactions made with your international card, including the date, amount, currency, and merchant name.
Balance Updates	Stay informed about your account balance and keep track of your spending habits.
Foreign Exchange Rates	Monitor the current exchange rates for various currencies to stay informed about potential fluctuations that may affect your purchases.
Spending Limits	Set spending limits for your international card to prevent overspending and keep your finances under control.
Notifications	Set up notifications to receive alerts when your card is used, when your balance is low, or when certain thresholds are met.

Converting Currency with Your International Chime Card

When using your Chime Card abroad, the currency conversion process is handled automatically. However, it’s important to understand how the process works to ensure you’re getting the most favorable rates and avoiding any hidden fees.

Here’s a detailed breakdown of the currency conversion process with your International Chime Card:

1. Check Your Card Type

The first step is to confirm that you have the correct type of Chime Card for international use. Chime offers two options:

Standard Chime Card: Not eligible for international use.
International Chime Card: Designed specifically for international transactions.

2. Activate Your International Card

Before using your International Chime Card abroad, you must activate it. You can do this through the Chime mobile app or by calling customer service.

3. Set Your Spending Limits

You can set spending limits for your International Chime Card to prevent overspending. This is especially important if you’re traveling to a country with a significantly different currency exchange rate.

4. Know the Exchange Rate

It’s crucial to be aware of the exchange rate when making international transactions. You can check the current exchange rates on websites like Google and XE.com.

5. Avoid Dynamic Currency Conversion (DCC)

When making a purchase abroad, you may be asked if you want to pay in your home currency or the local currency (DCC). It’s generally better to pay in the local currency, as DCC often has higher fees.

6. Use ATMs Carefully

When using ATMs abroad, be aware of any additional fees charged by the bank or ATM operator. These fees can vary depending on the country and the specific ATM.

7. Track Your Transactions

Keep track of all your international transactions using the Chime mobile app or online banking. This will help you stay within your budget and identify any unauthorized charges.

8. Use Chime’s Partner Network

Chime has partnerships with financial institutions in select countries. When using your International Chime Card in these countries, you may receive more favorable exchange rates and lower fees.

9. Notify Chime of Your Travel Plans

Inform Chime of your travel dates and destinations before using your International Chime Card abroad. This will help prevent your card from being blocked due to suspected fraud.

10. Report Lost or Stolen Cards

In case your International Chime Card is lost or stolen, contact Chime immediately to report it. You can do this through the Chime mobile app or by calling customer service.

11. Additional Tips

Here are some additional tips for using your International Chime Card effectively:

Carry multiple payment options, such as a backup credit card or cash.
Be aware of any fees associated with using your International Chime Card abroad.
Consider using a currency exchange service to get the best exchange rates.

Be cautious when using your International Chime Card in high-risk areas.

Currency Conversion Fees

Transaction Type	Fee
ATM Withdrawal	$2.50 per withdrawal
Point-of-Sale Purchase	0%
Online Purchase	0%

Finding an ATM that Accepts Your International Chime Card

Chime is a financial technology company that offers a variety of financial products and services, including a prepaid debit card. The Chime card can be used to make purchases and withdraw cash from ATMs worldwide. However, it is important to note that not all ATMs accept international Chime cards.

To find an ATM that accepts your international Chime card, you can use the following steps:

1. Visit the Chime website or mobile app.
2. Click on the “Find an ATM” tab.
3. Enter your location or postal code.
4. Select the “International” filter.

A list of ATMs that accept international Chime cards will be displayed. You can then select an ATM that is convenient for you.

When using an ATM to withdraw cash with your international Chime card, you may be charged a fee. The fee will vary depending on the ATM operator. It is important to check the ATM screen before completing your transaction to see if there is a fee.

Here are some tips for using your international Chime card at an ATM:

Make sure that the ATM accepts international Chime cards.
Check the ATM screen for any fees before completing your transaction.
Insert your Chime card into the ATM and enter your PIN.
Select the amount of cash that you want to withdraw.
Take your cash and your Chime card.

If you have any problems using your international Chime card at an ATM, you can contact Chime customer service for assistance.

Reporting Lost or Stolen International Chime Cards

1. Contact Chime Customer Support

To report a lost or stolen Chime international card, you must contact Chime customer support immediately. You can do this by phone, email, or live chat.

Phone: 1-844-244-6363

Email: support@chimebank.com

Live Chat: Available on the Chime website

2. Provide Your Account Information

When you contact customer support, you will need to provide your account information, including your:

Name
Chime account number
Date of birth
Last four digits of your Social Security number

3. Report the Lost or Stolen Card

Once you have provided your account information, you will need to report the lost or stolen card. You will need to provide the following information:

The date and time the card was lost or stolen
The location where the card was lost or stolen
The last transaction you made with the card

4. Freeze Your Account

Chime will freeze your account to prevent unauthorized access. This will also prevent you from using your Chime card, both domestically and internationally.

5. Request a Replacement Card

Once your account has been frozen, you can request a replacement card. Chime will send you a new card within 7-10 business days.

6. Monitor Your Account

After you have reported your card as lost or stolen, you should monitor your account for any unauthorized activity. You can do this by checking your transaction history online or by calling customer support.

7. File a Police Report

If you believe your card was stolen, you may want to file a police report. This can help you document the theft and may assist in recovering your card.

8. Contact Your Credit Card Company

If you have a credit card linked to your Chime account, you should also contact your credit card company. They may be able to cancel your card and issue you a new one.

9. Update Your Address

If you have moved since your Chime card was lost or stolen, you should update your address with Chime. This will ensure that your replacement card is sent to the correct address.

10. Be Cautious of Scams

After you have reported your card as lost or stolen, you may receive calls or emails from scammers trying to obtain your personal information. Be cautious of these scams and do not provide any personal information.

11. Additional Tips

Here are some additional tips for reporting a lost or stolen Chime international card:

Keep a record of the date, time, and location where you reported the card as lost or stolen.
Keep a copy of the police report, if you filed one.
Monitor your credit report for any unauthorized activity.
Change your Chime account password regularly.

Benefits of Using an International Chime Card for Travel

Convenience: A Global Network at Your Fingertips

With Chime, you enjoy access to a vast network of ATMs and merchants worldwide. No more scrambling for local currency or carrying large sums of cash. Travel with peace of mind, knowing that your Chime card is accepted in over 200 countries and territories.

No Foreign Transaction Fees: Save on Every Purchase

Say goodbye to exorbitant foreign transaction fees. Chime waives these charges, saving you money on every purchase made outside the United States. Enjoy seamless spending without worrying about hidden costs.

Real-Time Exchange Rates: Always Get the Best Deal

Chime provides real-time exchange rates, ensuring you always get the most favorable rates when making purchases or withdrawing cash abroad. No more overpaying due to unfavorable currency conversions.

Instant Notifications: Stay on Top of Your Finances

With Chime’s instant notifications, you’ll always be aware of your account activity. Receive alerts for every transaction, whether at home or abroad, giving you complete control over your finances.

24/7 Support: Assistance Whenever You Need It

Chime’s dedicated customer support team is available 24/7, ready to assist you with any questions or issues you may encounter while traveling. Enjoy peace of mind knowing that help is just a call or chat away.

18. Additional Perks for Enhanced Travel Experiences

In addition to its core benefits, Chime offers a range of value-added features that enhance your travel experience:

Multi-Currency Accounts: Hold multiple currencies in a single account, allowing you to easily manage your finances and avoid currency exchange fees when traveling between different countries.

Zero Liability Protection: Rest assured that your money is protected against unauthorized transactions. Chime’s zero liability policy covers you in case of fraud or theft.

Free ATM Withdrawals: Enjoy free ATM withdrawals at over 55,000 ATMs worldwide, eliminating costly surcharges that can add up over the course of your trip.

Contactless Payments: Tap and go with your Chime card at contactless payment terminals for a seamless and secure checkout experience.

Chime Travel Insurance: Enroll in Chime Travel Insurance to protect yourself against unexpected travel-related events, such as lost luggage, trip delays, and medical emergencies.

By leveraging these perks, you can minimize the hassles associated with international travel and enjoy a more convenient, cost-effective, and secure experience.

How to Turn International Card On Chime Account

To enable international card usage on your Chime account, follow these steps:

Log in to your Chime mobile app.
Tap the “Card” icon.
Toggle the “International Card” switch to the “On” position.
Enter your PIN to confirm the change.

Enhance Security with Two-Factor Authentication for International Chime Card Transactions

For added security, consider enabling Two-Factor Authentication (2FA) for your Chime account. Here’s how:

Log in to your Chime online account.
Click on “Settings” from the left sidebar.
Select “Security” from the menu.
Toggle the “Two-Factor Authentication” switch to the “On” position.
Enter your phone number to receive a verification code via SMS or email.
Enter the verification code and click “Verify.”

Benefits of Using a Chime Card Internationally

Convenience: Use your Chime card anywhere in the world where Mastercard is accepted.
Cost-effectiveness: Avoid foreign transaction fees by using Chime’s zero-fee international ATM withdrawals and purchases.
Security: Enjoy peace of mind with Chip and PIN technology and enhanced fraud protection.
Control: Manage your international card settings and track transactions conveniently through the mobile app.

Tips for Using Your Chime Card Abroad

Notify Chime of your travel plans to prevent any disruptions in service.
Check the Chime website or app for the latest exchange rates.
Keep your card and PIN safe. Consider using a cardholder with RFID protection.
Make sure you have sufficient funds in your account to cover potential fees or exchange rate fluctuations.
Be aware of your surroundings when using your card and PIN.

FAQ

Q: Are there any fees associated with using my Chime card internationally?

A: No, Chime does not charge foreign transaction fees.

Q: How can I check the balance on my Chime card while abroad?

A: You can check your balance through the Chime mobile app or by calling Chime customer service.

Q: What if my Chime card is lost or stolen while traveling?

A: Contact Chime immediately to report the loss or theft of your card. You can request a replacement card and freeze your account to prevent unauthorized access.

Country	Currency	Withdrawal Limit
United Kingdom	British Pound (GBP)	£500 per day
Australia	Australian Dollar (AUD)	$1,000 per day
Canada	Canadian Dollar (CAD)	$1,500 per day
Mexico	Mexican Peso (MXN)	$5,000 per day

Setting Travel Notifications for Your International Chime Card

Before traveling internationally, it’s crucial to set travel notifications for your Chime card to ensure smooth transactions abroad and protect it from unauthorized use. Here’s a step-by-step guide on how to do it:

1. Log in to Your Chime Account

Access your Chime account through the mobile app or the official website.

2. Navigate to the Card Management Section

Locate the section that manages your debit cards, usually labeled as “Cards” or “Card Management.”

3. Select Your International Chime Card

From the list of available cards, choose the Chime card you intend to use internationally.

4. Find the Travel Notifications Option

Look for a section or tab labeled “Travel Notifications” or “Manage Travel Notifications.”

5. Select the Destination Countries

A list of countries will appear. Select the specific countries you’ll be traveling to.

6. Enter Your Travel Dates

Indicate the start and end dates of your trip to ensure the notifications are active during that period.

7. Save Your Changes

Once you’ve selected the countries and dates, click the “Save” or “Submit” button to activate the travel notifications.

8. Receive Travel Notification Alerts

When your card is used in a country or on a date outside your designated travel parameters, you’ll receive instant notifications via text message, email, or both.

Additional Tips for Managing Travel Notifications

Set notifications well in advance: Give yourself a buffer period before your trip to avoid any last-minute glitches.
Update your travel notifications regularly: If your itinerary changes, be sure to update the countries and dates accordingly.
Consider using a virtual card: For added security, create a virtual card linked to your Chime account and use that for international transactions, which can be more secure than your physical card.
Monitor your account regularly: Keep an eye on your Chime account balance and transaction history, especially during and after traveling.
Contact Chime Support if needed: If you encounter any issues or have questions about travel notifications, feel free to contact Chime’s customer support team for assistance.

Notification Type	How it Works
Text Message	You’ll receive real-time text messages whenever your card is used outside of your specified travel parameters.
Email	You’ll receive email alerts at a frequency of your choice (daily, weekly, or monthly) summarizing any international transactions made.

How to Turn International Card On Chime Account

Optimizing International Transactions with Your Chime Account

Benefits of Using Your Chime Account for International Transactions

There are several advantages to using your Chime account for international transactions:

**Low foreign transaction fees:** Chime charges a low 2.5% fee on international ATM withdrawals and purchases.
**No hidden fees:** Unlike many banks, Chime does not charge any additional fees for opening or maintaining an account, making it a budget-friendly option for international transactions.
**Easy to use:** Chime’s mobile app and website make it easy to manage your account and track your transactions.

Before You Turn On Your International Card

Before you can turn on your international card, you need to make sure your Chime account is set up for international use. To do this:

Log in to your Chime account online or via the mobile app.
Click on the "Settings" tab.
Under "Account Settings," click on "International Settings."
Toggle on the "Enable International Card" option.

Once you have enabled your international card, you will need to activate it before you can use it. To activate your card:

Call the number on the back of your card.
Follow the prompts to enter your card number and activation code.

Using Your International Card

Once your international card is activated, you can use it to make purchases and withdraw cash from ATMs in over 200 countries and territories.

ATM Withdrawals

To withdraw cash from an ATM using your Chime international card, simply:

Insert your card into the ATM.
Enter your PIN number.
Select the amount of cash you want to withdraw.
Take your cash and receipt.

Purchases

To make a purchase using your Chime international card, simply:

Present your card to the cashier.
Enter your PIN number or sign the receipt.
Your purchase will be processed.

Foreign Exchange Rates

When you make an international transaction, Chime will convert the amount of the transaction from the foreign currency into U.S. dollars. The exchange rate used will be the rate provided by Visa or Mastercard, depending on the card you are using.

You can check the current foreign exchange rates on Chime’s website or mobile app.

Fees

Chime charges a 2.5% foreign transaction fee on all international ATM withdrawals and purchases. This fee is deducted from your account balance at the time the transaction is processed.

In addition, you may be charged a fee by the ATM operator or the merchant where you are making the purchase. These fees can vary, so it is important to check with the ATM operator or merchant before completing your transaction.

Troubleshooting

If you are having trouble using your Chime international card, you can try the following:

Make sure your international card is activated.
Check the foreign exchange rate to make sure you understand how much the transaction will cost.
Contact Chime customer support if you are still experiencing problems.

Additional Tips for Optimizing International Transactions

Use ATMs That Charge Low Fees

Some ATMs charge high fees for international transactions. To avoid these fees, it is important to use ATMs that charge low fees or no fees at all. You can find a list of ATMs that charge low fees on Chime’s website or mobile app.

Make Large Withdrawals

If you are planning to withdraw a large amount of cash, it is better to make one large withdrawal than several small withdrawals. This will help you avoid paying multiple foreign transaction fees.

Use a Currency Exchange Service

If you need to exchange a large amount of foreign currency, you may be able to get a better rate of exchange by using a currency exchange service. Currency exchange services typically offer better rates than banks or ATMs.

Be Aware of Your Balance

It is important to be aware of your account balance when making international transactions. This will help you avoid overspending and incurring overdraft fees.

Monitor Your Transactions

It is a good idea to monitor your transactions to make sure that you are not being charged any unauthorized fees. You can check your transactions online or via the mobile app.

Contact Customer Support

If you have any questions or concerns about international transactions, you can contact Chime customer support. Chime’s customer support team is available 24/7 to help you with your account and transactions.

Feature	Chime
Foreign transaction fee	2.5%
ATM withdrawal limit	$500 per day
Purchase limit	$5,000 per day
Supported countries	200+

Planning for International Travel with an International Chime Card

1. Prepare Your Chime Card for International Use

Log into your Chime account and navigate to the “Card Settings” section. Ensure that the “International Transactions” option is enabled. This will allow you to use your Chime card abroad without any restrictions.

2. Notify Chime of Your Travel Dates

Inform Chime of your upcoming international travel by contacting customer support through the app or website. This will prevent your card from being blocked due to suspicious activity.

3. Check Card Balances and Fees

Review your Chime account balance before traveling to ensure you have sufficient funds. Also, be aware of any potential transaction fees or currency exchange rates that may apply to international purchases.

4. Set Up Travel Alerts

Enable travel alerts on your Chime account. This will notify you of any transactions made in foreign countries.

5. Download the Chime App

The Chime mobile app provides convenient access to your account while traveling. You can monitor transactions, check balances, and contact customer support.

6. Consider a Currency Converter

To avoid confusion when making purchases in foreign currencies, download a currency converter app or carry a currency conversion chart.

7. Learn Local Currency Customs

Familiarize yourself with local currency customs in your destination countries. Know which currencies are accepted, and be aware of any restrictions or exchange rates.

8. Use ATMs Wisely

When withdrawing cash from ATMs abroad, choose ATMs affiliated with Chime’s network to avoid additional fees. Check with Chime customer support for a list of affiliated ATMs.

9. Protect Your Card

Keep your Chime card safe by storing it in a secure location. Report any lost or stolen cards immediately to Chime.

10. Be Mindful of Cash Advance Fees

Using your Chime card for cash advances can incur substantial fees. It’s advisable to avoid cash advances whenever possible.

11. Manage Your Budget

Keep a close eye on your expenses while traveling to avoid overspending. Set a budget and track your transactions carefully.

12. Contact Chime for Support

If you encounter any difficulties using your Chime card abroad, contact customer support for assistance.

25. Additional Tips for Avoiding Card Issues Abroad

a. Set Realistic Daily Withdrawal Limits

Inform Chime about the daily amount you expect to withdraw from ATMs. This will prevent your card from being blocked for exceeding withdrawal limits.

b. Provide Proof of Travel

If your card is blocked due to suspicious activity, provide Chime with proof of travel, such as a boarding pass or itinerary.

c. Use a Travel Money Card

Consider purchasing a travel money card that allows you to preload funds and avoid transaction fees. However, note that these cards may charge other fees, such as loading or inactivity fees.

d. Consider Using Local Currency

Paying for goods and services in local currency can sometimes eliminate or reduce transaction fees. However, exchange rates may vary among vendors.

e. Be Aware of Contactless Payment Limits

Contactless payments may have lower transaction limits than chip-and-pin payments. Consider using chip-and-pin whenever possible to avoid reaching contactless payment limits.

f. Carry Multiple Payment Methods

Carrying a combination of cash, a credit card, and a Chime card provides backup options in case of card malfunctions or issues.

g. Be Patient and Persistent

Dealing with international card issues can be frustrating. Remain calm and persistent in communicating with Chime customer support until the issue is resolved.

h. Inform Your Bank

Notify your bank that you will be traveling abroad to avoid issues with blocked cards due to suspicious activity triggers.

i. Be Aware of Scams

Be cautious of individuals or vendors who ask for your PIN or card details. Report any suspicious activity to Chime immediately.

j. Stay Informed

Keep yourself informed about Chime’s policies and procedures for international travel. Check the Chime website or app for the latest updates.

How to Turn International Card On Chime Account

Step 1: Log In to Your Chime Account

Open the Chime mobile app or website and enter your login credentials to access your account.

Step 2: Navigate to the Settings Menu

Locate the “Settings” or “Account Settings” option in the app menu or website navigation.

Step 3: Select “International Card”

Under the settings menu, find the option labeled “International Card” or “Enable International Card”.

Step 4: Follow the Activation Instructions

Read the activation instructions carefully and follow the prompts to provide relevant information, such as your card number or address.

Step 5: Confirm Activation

Once you have provided the necessary information, tap or click the “Confirm” or “Activate” button to complete the international card activation process.

Using Your International Chime Card in Different Countries

General Guidelines

Your Chime international card can be used to make purchases and withdrawals in over 200 countries and territories worldwide.

Transaction Fees

When using your Chime card internationally, you may incur transaction fees for currency conversion and other services. Refer to Chime’s fee schedule for specific charges.

Foreign Exchange Rates

Your Chime card uses Mastercard’s exchange rates, which may differ slightly from those offered by other currency exchange services.

ATMs and Withdrawals

You can use your Chime card to withdraw cash from ATMs abroad. However, you may incur additional fees from the ATM operator and Chime.

Magnetic Stripe or Chip-and-PIN

In some countries, you may encounter payment terminals that require a magnetic stripe or chip-and-PIN. Make sure your Chime card is equipped with both features for seamless transactions.

Contactless Payments

If your Chime card supports contactless payments, you can use it at terminals that accept this method for quick and convenient purchases.

Security

Use your Chime card responsibly and take precautions to protect it from unauthorized use. Notify Chime immediately if your card is lost or stolen.

Additional Information

Feature	Availability
Currency Conversion	Automatic
ATM Withdrawals	Yes, with potential fees
Contactless Payments	Dependent on card support
Chip-and-PIN	Required in some countries
Transaction History	Available in the Chime app and website

Checking Your Balance in Foreign Currencies with Your International Chime Card

Having an international Chime card can be a convenient way to manage your finances when traveling abroad. Not only can you make purchases in foreign currencies, but you can also check your balance in different currencies as well. Here’s how to do it:

Online Banking

Log in to your Chime online banking account.
Click on the “Accounts” tab.
Select your international Chime card account.
Click on the “Statement” tab.
Select the “Foreign Currency” option from the drop-down menu.
Your balance will be displayed in the selected foreign currency.

Mobile Banking

Log in to the Chime mobile banking app.
Tap on the “Accounts” tab.
Select your international Chime card account.
Tap on the “Balance” tab.
Tap on the “Foreign Currency” option.
Your balance will be displayed in the selected foreign currency.

ATM

Insert your international Chime card into an ATM.
Enter your PIN.
Select the “Balance Inquiry” option.
Select the “Foreign Currency” option.
Your balance will be displayed in the selected foreign currency.

Online Banking	Mobile Banking	ATM
Yes	Yes	Yes

Here are some additional tips for checking your balance in foreign currencies with your international Chime card:

Make sure that you have activated your international Chime card before using it abroad.
You may be charged a foreign transaction fee when you use your international Chime card outside of the United States.
The exchange rate used to convert your balance into foreign currencies may vary depending on the financial institution.
It’s a good idea to check your balance in foreign currencies before making a purchase to avoid any surprises.

Using Your International Chime Card at Hotels and Car Rental Agencies

When traveling internationally, having access to convenient and secure payment options is crucial. Your International Chime Card seamlessly integrates with your Chime Spending Account, allowing you to make purchases, withdraw cash, and manage your finances effortlessly. Whether you’re booking a hotel stay or renting a car, here’s everything you need to know about using your International Chime Card at these establishments.

At Hotels

Using your International Chime Card at hotels is a straightforward process. Simply present your card at the front desk during check-in, and the hotel staff will process the payment. Ensure your card is linked to your Chime Spending Account with sufficient funds to cover the room charges and any incidental expenses.

It’s worth noting that some hotels may require a security deposit upon check-in, typically to cover potential damage or incidentals. The deposit amount varies between hotels and is usually placed on a temporary hold on your Chime Card. Once your stay is complete and the room is inspected, the deposit will be released back to your account.

At Car Rental Agencies

Renting a car internationally with your International Chime Card is equally convenient. Upon arrival at the car rental agency, present your Chime Card and a valid driver’s license. The rental agent will process the payment and provide you with the rental agreement.

Similar to hotels, car rental agencies often require a security deposit to cover potential damage or lost keys. This deposit will be placed on a temporary hold on your Chime Card and released once the car is returned in satisfactory condition.

Additional Tips for Using Your International Chime Card

Here are some additional tips to make using your International Chime Card as smooth as possible:

Foreign Transaction Fee

When using your International Chime Card abroad, you may incur a foreign transaction fee of 3%. This fee is charged by the merchant’s bank and is not a Chime fee. To avoid unnecessary charges, consider using your Chime Card sparingly for large purchases or emergencies.

Currency Conversions

International purchases are processed in the local currency. Your Chime Card automatically converts the amount to U.S. dollars, applying the current exchange rate. Keep in mind that fluctuations in currency exchange rates may affect the final amount charged to your account.

Alerts and Notifications

Enable transaction alerts on your Chime app to stay informed of all purchases made with your International Chime Card. This feature allows you to monitor your spending and detect any unauthorized activity promptly.

Lost or Stolen Card

In the unfortunate event that your International Chime Card is lost or stolen, report it immediately to Chime customer support by calling 1-844-244-6363. They will deactivate the card and assist you with issuing a replacement card.

Chime Global Transaction Network

Chime has partnered with a global network of banks and financial institutions to provide seamless transactions and ATM access worldwide. Look for the Chime logo or the Cirrus or Plus network logos on ATMs to ensure compatibility with your International Chime Card.

Customer Support

If you encounter any issues or have questions while using your International Chime Card, Chime’s customer support team is available 24/7 to assist you. Contact them via phone, chat, or email for prompt resolution.

By following these tips and using your International Chime Card responsibly, you can enjoy the convenience of global financial access while traveling abroad.

Withdrawing Funds in Foreign Currencies with Your International Chime Card

When withdrawing funds in foreign currencies with your International Chime Card, follow these steps:

1. Insert Your Card into the ATM

Locate an ATM that accepts Visa or Mastercard and insert your International Chime Card into the card slot.

2. Select Your Language

Choose your preferred language from the options displayed on the ATM screen.

3. Enter Your PIN

Enter your four-digit PIN to access your account.

4. Select “Withdrawal”

From the main menu, select the “Withdrawal” option.

5. Choose Your Account

Select the Chime account from which you wish to withdraw funds.

6. Enter the Amount

Input the amount you want to withdraw in the local currency. Note that the amount will be converted to US dollars on your Chime account statement.

7. Confirm the Transaction

Review the withdrawal details and confirm the transaction by pressing the “OK” or “Enter” button.

8. Collect Your Cash

Once the transaction is complete, the ATM will dispense the cash in the local currency.

9. Exchange Rate and Fees

The exchange rate for your withdrawal will be determined by Visa or Mastercard’s current rates. Chime does not charge any additional fees for foreign currency withdrawals, but the ATM operator may charge a fee. Be sure to check with the ATM operator before completing the transaction.

10. Transaction Limits

Your daily withdrawal limit will vary depending on your Chime account type and the ATM operator’s limits. Monitor your Chime account regularly to track your recent transactions and avoid exceeding the limits.

Withdrawal Amount	Exchange Rate	Total Charged
€100	1.10 USD/EUR	$110.00
£50	1.25 USD/GBP	$62.50
¥10,000	0.0095 USD/JPY	$95.00

Note: The exchange rates in the table are for illustrative purposes only and may vary depending on market conditions.

How to Freeze Your International Chime Card If It’s Lost or Stolen

If you’ve lost or had your international Chime card stolen, it’s important to freeze it as soon as possible to prevent unauthorized use. Here’s how to do it:

Log in to your Chime account. You can do this on the Chime website or through the Chime app.
Click on the “Cards” tab. This will show you all of your Chime cards.
Find the international card that you want to freeze. It will have a different card number than your domestic Chime card.
Click on the “Freeze” button. This will immediately freeze your card and prevent it from being used.

Once you’ve frozen your card, you’ll need to contact Chime customer service to report it as lost or stolen. You can do this by:

Calling Chime customer service at 1-844-244-6363.
Sending a secure message to Chime through the Chime website or app.

When you contact customer service, you’ll need to provide them with the following information:

Your name and account number.
The card number of the lost or stolen card.
The date and time that you lost or had the card stolen.

Chime will then cancel your lost or stolen card and issue you a new one. In the meantime, you can use your domestic Chime card to make purchases and withdrawals.

Additional Tips

If you’re traveling abroad, it’s a good idea to notify Chime in advance so that they can unblock your card for international use.
Be sure to keep your Chime card in a safe place and never share your PIN with anyone.
If you suspect that your Chime card has been compromised, freeze it immediately and contact customer service.

By following these tips, you can help protect yourself from fraud and unauthorized use of your Chime card.

What to Do If You Find Your Lost or Stolen Card

If you find your lost or stolen card after you’ve frozen it, you should contact Chime customer service to let them know. They can unfreeze your card and reactivate it for use.

What to Do If You’ve Lost Your International Chime Card and Don’t Have Access to the Internet

If you’ve lost your international Chime card and don’t have access to the internet, you can call Chime customer service at 1-844-244-6363 to freeze your card.


Country	Contact Number
United States	1-844-244-6363
Canada	1-800-669-1401
United Kingdom	0808-189-3494
Australia	1800-954-191

Tips for Contacting Chime Customer Support for International Card Issues

Navigating international card issues with Chime can be stressful. Here are some tips to enhance your communication with customer support and expedite resolution.

Research and Gather Information

Before reaching out, gather pertinent information such as transaction details, error messages, and any relevant documentation. Having this information organized will streamline the troubleshooting process.

Choose the Right Contact Method

Chime offers multiple support channels. Consider your situation and choose the most appropriate one:

Live Chat: Available 24/7, offers instant assistance.
Phone: Call 1-844-244-6363 for immediate support.
Email: Send an email to support@chime.com for detailed inquiries.

Communicate Clearly and Politely

When contacting Chime, be succinct and specific in describing your issue. Avoid jargon and provide concrete details. Maintain a respectful and professional demeanor, even if frustrated.

Be Patient and Persistent

Resolving international card issues can take time. Stay patient and persistent in your communications. Follow up regularly and provide additional information as requested by customer support.

Additional Tips for Specific Issues

Unable to Activate International Card

Check that your card is supported in the destination country.
Ensure you have sufficient funds available.
Activate your card through the Chime app or website.
Contact Chime customer support for assistance.

Declined Transactions

Confirm that your card is accepted by the merchant.
Check available balances and transaction limits.
Verify that your card has not been locked or frozen.
Contact Chime customer support for authorization issues.

Lost or Stolen Card

Report the card lost or stolen immediately.
Freeze your account to prevent unauthorized use.
Request a replacement card through Chime.
Monitor your transaction history for suspicious activity.

Unexpected Charges

Review your transaction history carefully.
Dispute any unauthorized or erroneous charges.
Contact Chime customer support to investigate and resolve the issue.
Monitor your account regularly for any fraudulent activity.

International Card Supported Countries

Chime international cards are supported in the following countries:

Region	Countries
North America	Mexico, Canada
Europe	United Kingdom, Germany, France, Italy, Spain
Asia	Japan, South Korea, Singapore

Additional countries may be supported in the future. Check with Chime for the latest information.

Avoiding Surcharges with Your International Chime Card

Using your Chime card internationally can be a convenient way to access your funds while you’re abroad. However, it’s important to be aware of the potential surcharges that can apply when using your card outside of the United States.

There are two main types of surcharges that you may encounter when using your Chime card internationally:

Foreign transaction fees:These fees are charged by your bank or credit union for each transaction that you make in a foreign currency. The amount of the fee varies depending on your bank or credit union, but it is typically around 3% of the transaction amount.
ATM fees: These fees are charged by the ATM operator for each withdrawal that you make from an ATM outside of the United States. The amount of the fee varies depending on the ATM operator, but it is typically around $5 per withdrawal.

If you’re planning on using your Chime card internationally, it’s important to factor in the potential surcharges that you may encounter. You can avoid these surcharges by using your card in the following ways:

Use your card at ATMs that are part of the Chime network. Chime has a network of ATMs in over 90 countries where you can withdraw cash without paying a fee.
Use your card to make purchases in local currency. When you make a purchase in local currency, your bank will not charge you a foreign transaction fee.
Use your card to withdraw cash from your bank account. If you have a bank account in the country where you’re traveling, you can use your Chime card to withdraw cash from your account without paying a fee.

45. Table of Countries and Fees

The following table lists the countries where you can use your Chime card to withdraw cash from ATMs without paying a fee:

Please note that this list is not exhaustive and may not include all of the countries where you can use your Chime card to withdraw cash without paying a fee. It is always best to check with your bank or credit union before using your card internationally to confirm the fees that will apply.

How To Turn International Card On Chime Account

Chime is a financial technology company that offers a variety of financial products and services, including a spending account and a debit card. Chime’s debit card can be used to make purchases anywhere Visa is accepted, including internationally. However, there are some restrictions and fees that apply when using an international card on Chime.

To turn on your international card on your Chime account, you will need to:

1. Log in to your Chime account.
2. Click on the “Settings” tab.
3. Click on the “Card Management” tab.
4. Find the “International Card” section and click on the “Turn On” button.

Once you have turned on your international card, you will be able to use it to make purchases anywhere Visa is accepted. However, you should be aware of the following restrictions and fees:

You will be charged a 3% foreign transaction fee on all purchases made outside of the United States.
You may be charged a currency conversion fee by your bank or credit union.
You may not be able to use your international card to withdraw cash from ATMs outside of the United States.

If you are planning to use your international card on Chime, it is important to be aware of these restrictions and fees. You should also contact your bank or credit union to learn more about any additional fees that may apply.

FAQs About Using an International Card on Chime

Q: Do I need to activate my international card before I use it?

A: Yes, you will need to activate your international card before you can use it. You can activate your card by logging into your Chime account and following the instructions in the “Card Management” tab.

Q: How do I set my international card to be my primary card?

A: You can set your international card to be your primary card by logging into your Chime account and following the instructions in the “Card Management” tab.

Q: What is the foreign transaction fee?

A: The foreign transaction fee is a 3% fee that is charged on all purchases made outside of the United States. This fee is charged by Chime, and it is not refundable.

Q: What is the currency conversion fee?

A: The currency conversion fee is a fee that is charged by your bank or credit union when you make a purchase in a foreign currency. This fee varies depending on the bank or credit union, and it is not refundable.

Q: Can I use my international card to withdraw cash from ATMs outside of the United States?

A: You may not be able to use your international card to withdraw cash from ATMs outside of the United States. This depends on the ATM and the bank or credit union that operates it.

Q: What should I do if my international card is lost or stolen?

A: If your international card is lost or stolen, you should contact Chime immediately. You can report your card lost or stolen by logging into your Chime account or by calling customer service.

Q: What are the benefits of using an international card on Chime?

A: There are several benefits to using an international card on Chime, including:

You can use your card to make purchases anywhere Visa is accepted.
You can avoid the high fees that are charged by some banks and credit unions for international transactions.
You can get access to your money quickly and easily when you are traveling overseas.

Q: What are the drawbacks of using an international card on Chime?

A: There are also some drawbacks to using an international card on Chime, including:

You will be charged a 3% foreign transaction fee on all purchases made outside of the United States.
You may be charged a currency conversion fee by your bank or credit union.
You may not be able to use your international card to withdraw cash from ATMs outside of the United States.

Q: Is it worth it to use an international card on Chime?

A: Whether or not it is worth it to use an international card on Chime depends on your individual needs and circumstances. If you travel frequently or make a lot of purchases in foreign currencies, then it may be worth it to get an international card. However, if you only travel occasionally and do not make a lot of purchases in foreign currencies, then it may not be worth it to pay the foreign transaction fee.

Q: What are some tips for using an international card on Chime?

A: Here are some tips for using an international card on Chime:

Be aware of the foreign transaction fee and the currency conversion fee.
Set your international card to be your primary card before you travel.
Notify your bank or credit union that you will be traveling so that they can unblock your card.
Keep your international card safe and secure.
Report your card lost or stolen immediately if it is lost or stolen.

How To Turn International Card On Chime Account

To turn on your international card on your Chime account, please follow these steps:

Log in to your Chime account.
Click on the “Settings” tab.
Select the “Card Management” option.
Find the “International Card” option and click on the “Turn On” button.

Your international card will now be activated and you can use it to make purchases and withdrawals in foreign countries.