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                                                            April 11, 2025

Christopher Britt
Chief Executive Officer
Chime Financial, Inc.
101 California Street, Suite 500
San Francisco, CA 94111

        Re: Chime Financial, Inc.
            Amendment No. 4 to Draft Registration Statement on Form S-1
            Submitted April 8, 2025
            CIK No. 0001795586
Dear Christopher Britt:

     We have reviewed your amended draft registration statement and have the
following
comments.

       Please respond to this letter by providing the requested information and
either
submitting an amended draft registration statement or publicly filing your
registration
statement on EDGAR. If you do not believe a comment applies to your facts and
circumstances or do not believe an amendment is appropriate, please tell us why
in your
response.

       After reviewing the information you provide in response to this letter
and your
amended draft registration statement or filed registration statement, we may
have additional
comments. Unless we note otherwise, any references to prior comments are to
comments in
our April 3, 2025 letter.

Amendment No. 4 to Draft Registration Statement on Form S-1
Risk Factors
The multi-class structure of our common stock, page 68

1.     We note your response to prior comment 4 and your disclosure in this
risk factor that
       each of your co-founders will vote in their own discretion on any action
requiring
       approval of your stockholders. Please add a separately captioned risk
factor
       addressing the risk of deadlock and any resolution mechanism in
situations when your
       co-founders may disagree and vote in ways that result in a deadlock.
 April 11, 2025
Page 2
Liquidity and Capital Resources, page 112

2.     Please identify the "certain lenders" for the secured credit facility
described here.
Business
Chime Workplace, page 163

3.     We note the revised disclosure regarding Chime Workplace in response to
prior
       comment 5. Noting the recent launch date for this product, please revise
to clarify the
       nature of the employers with which you have agreements, the typical
terms governing
       such arrangements, and their impact and intended impact to your business
model,
       including, for example, acquisition of active members.
Principal Stockholders, page 230

4.     Please revise footnotes 10, 12 and 13 to the beneficial ownership table
on page 230 to
       name the natural persons who have voting and dispositive power over the
shares
       owned by entities affiliated with DST Global, entities affiliated with
AI Bells, and
       General Atlantic (CH), L.P.
Exhibits

5.     We note your disclosure on pages 66 and 241 that the exclusive forum
provision does
       not apply to actions brought under the Exchange Act of 1934. Please
revise
       Article XIII in Exhibit 3.1 to make that clear or advise.

       Please contact Michael Henderson at 202-551-3364 or John Spitz at
202-551-3484 if
you have questions regarding comments on the financial statements and related
matters. Please contact Tonya Aldave at 202-551-3601 or James Lopez at
202-551-3536 with
any other questions.



                                                              Sincerely,

                                                              Division of
Corporation Finance
                                                              Office of Finance
cc:   Rezwan Pavri, Esq.
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