ChimpChange is a free mobile money bank account that lets you transfer money in real time, shop online or in-store, and access your money anywhere MasterCard is accepted.
It’s absolutely free to create a ChimpChange account and receive a ChimpChange MasterCard debit card.
Plus, you can earn a $10 sign-up bonus when you create a ChimpChange account and make purchases of $50 or more within 45 days of creating your new card account.
Opening a ChimpChange Account
To open a ChimpChange account, you must be 18 years or older with a U.S. Social Security Number and have a U.S. residential address.
There is no hard credit pull or any type of credit check to open a ChimpChange account.
Check out ChimpChange.me to open a free bank account (FDIC-insured) with a free debit MasterCard, so that you can make free transfers and free ATM withdrawals from MoneyPass ATMs.
How To Earn $10 ChimpChange Sign-Up Bonus
You can now qualify for a $10 bonus when you spend $50 on purchases using your new card with your new ChimpChange account.
The $50 in card purchases must be made within 45 calendar days of your new card account creation.
This offer is good on new accounts established on or after 11/14/2016.
There is a limit of 1 $10 credit per card account.
Qualifying card purchases must be a debit or credit point-of-sale purchase.
Purchases to meet spend requirement do not include ATM withdrawals, card-to-card transfers, preauthorized ACH transfers, purchases of any cash equivalents, or any service fees.
A $10 credit will be posted to your new card account within 7 calendar days of spending the $50 in qualifying card purchases.
Your card must be open and in good standing at the time of the credit.
If your card account is closed before the $10 is credited, then no credit will be issued.
You can see this $10 ChimpChange sign-up bonus listed on both the and for the ChimpChange mobile banking app.
About ChimpChange Mobile Money Bank Account
- Free Instant Money Transfers on Your Smartphone (iOS or Android).
- Shop Online or In-Store Securely.
- Free MasterCard Debit Card.
- Use Anywhere in the World.
- Get Cash at Any ATM in the World.
- Load Funds from Bank Account, Employer Direct Deposit, PayPal, or Cash at MasterCard rePower or Greendot Locations.
- $10,000 Account Balance Limit.
- Earn Cash Back on Select In-Store Purchases.
- $0 Activation Fee.
- $0 Monthly Subscription Fee.
- Free MasterCard Debit Card.
- Free MoneyPass ATM Withdrawals.
- Free Point-of-Sale Transactions.
- Free Money Transfers.
- Free Money Loads.
- Free Money Withdrawals.
- 3% Foreign Exchange Fee.
- $1.95 Domestic ATM Withdrawal (non-MoneyPass ATM)
- $1.50 Over the Counter Cash Withdrawal.
- $4.95 Inactivity Fee (see below to avoid).
How To Avoid the ChimpChange $4.95 Inactivity Fee
It’s important to note that although it’s free to sign up for a ChimpChange account, there is a $4.95 inactivity fee after 2 months (60 days) of no ChimpChange MasterCard activity.
However, the inactivity fee is only charged to a card that is activated and has a balance.
That means you can either never activate your MasterCard debit card or simply withdraw your funds to a $0 balance in your ChimpChange account, so that you will not be charged any inactivity fee.
Otherwise, you must use your MasterCard at least 1 time every 2 months to avoid the inactivity fee, if you maintain a balance in your account.
Take advantage of ChimpChange to get a free bank account and a free MasterCard debit card to gain control of your money and transfer funds for free.
Check out the Square Cash App $10 Sign-Up Bonus as well for another money transfer app.