<?xml version="1.0"?>
<ownershipDocument>

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    <periodOfReport>2026-08-24</periodOfReport>

    <issuer>
        <issuerCik>0001795586</issuerCik>
        <issuerName>Chime Financial, Inc.</issuerName>
        <issuerTradingSymbol>CHYM</issuerTradingSymbol>
        <issuerForeignTradingSymbol></issuerForeignTradingSymbol>
    </issuer>

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        <reportingOwnerId>
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            <rptOwnerName>DST Global Advisors Ltd</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
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            <rptOwnerStreet2>TRIDENT CHAMBERS, P.O. BOX 146 ROAD TOWN</rptOwnerStreet2>
            <rptOwnerCity>TORTOLA</rptOwnerCity>
            <rptOwnerState>VI</rptOwnerState>
            <rptOwnerZipCode>VG1110</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
        <reportingOwnerRelationship>
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            <isOfficer>false</isOfficer>
            <isTenPercentOwner>true</isTenPercentOwner>
            <isOther>false</isOther>
        </reportingOwnerRelationship>
    </reportingOwner>

    <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001550169</rptOwnerCik>
            <rptOwnerName>Cardew Services Ltd</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
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            <rptOwnerCity>TORTOLA</rptOwnerCity>
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            <rptOwnerZipCode>VG1110</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
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            <isOfficer>false</isOfficer>
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        </reportingOwnerRelationship>
    </reportingOwner>

    <reportingOwner>
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            <rptOwnerName>Galileo (PTC) Ltd</rptOwnerName>
        </reportingOwnerId>
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            <rptOwnerZipCode>VG1110</rptOwnerZipCode>
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        </reportingOwnerAddress>
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    </reportingOwner>

    <reportingOwner>
        <reportingOwnerId>
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            <rptOwnerName>Zinonos Despoina</rptOwnerName>
        </reportingOwnerId>
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            <isOther>false</isOther>
        </reportingOwnerRelationship>
    </reportingOwner>

    <aff10b5One>false</aff10b5One>

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        <nonDerivativeTransaction>
            <securityTitle>
                <value>Class A Common Stock</value>
            </securityTitle>
            <transactionDate>
                <value>2026-08-25</value>
            </transactionDate>
            <transactionCoding>
                <transactionFormType>4</transactionFormType>
                <transactionCode>S</transactionCode>
                <equitySwapInvolved>false</equitySwapInvolved>
            </transactionCoding>
            <transactionAmounts>
                <transactionShares>
                    <value>3194</value>
                </transactionShares>
                <transactionPricePerShare>
                    <value>33.0604</value>
                    <footnoteId id="F12"/>
                </transactionPricePerShare>
                <transactionAcquiredDisposedCode>
                    <value>D</value>
                </transactionAcquiredDisposedCode>
            </transactionAmounts>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>1605443</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>I</value>
                </directOrIndirectOwnership>
                <natureOfOwnership>
                    <value>By DSTG VI Investments, L.P.</value>
                    <footnoteId id="F2"/>
                    <footnoteId id="F6"/>
                </natureOfOwnership>
            </ownershipNature>
        </nonDerivativeTransaction>
        <nonDerivativeTransaction>
            <securityTitle>
                <value>Class A Common Stock</value>
            </securityTitle>
            <transactionDate>
                <value>2026-08-25</value>
            </transactionDate>
            <transactionCoding>
                <transactionFormType>4</transactionFormType>
                <transactionCode>S</transactionCode>
                <equitySwapInvolved>false</equitySwapInvolved>
            </transactionCoding>
            <transactionAmounts>
                <transactionShares>
                    <value>3860</value>
                </transactionShares>
                <transactionPricePerShare>
                    <value>33.0604</value>
                    <footnoteId id="F12"/>
                </transactionPricePerShare>
                <transactionAcquiredDisposedCode>
                    <value>D</value>
                </transactionAcquiredDisposedCode>
            </transactionAmounts>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>1940046</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>I</value>
                </directOrIndirectOwnership>
                <natureOfOwnership>
                    <value>By DSTG VI Investments-A, L.P.</value>
                    <footnoteId id="F2"/>
                    <footnoteId id="F7"/>
                </natureOfOwnership>
            </ownershipNature>
        </nonDerivativeTransaction>
        <nonDerivativeTransaction>
            <securityTitle>
                <value>Class A Common Stock</value>
            </securityTitle>
            <transactionDate>
                <value>2026-08-25</value>
            </transactionDate>
            <transactionCoding>
                <transactionFormType>4</transactionFormType>
                <transactionCode>S</transactionCode>
                <equitySwapInvolved>false</equitySwapInvolved>
            </transactionCoding>
            <transactionAmounts>
                <transactionShares>
                    <value>11210</value>
                </transactionShares>
                <transactionPricePerShare>
                    <value>33.0604</value>
                    <footnoteId id="F12"/>
                </transactionPricePerShare>
                <transactionAcquiredDisposedCode>
                    <value>D</value>
                </transactionAcquiredDisposedCode>
            </transactionAmounts>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>5634592</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>I</value>
                </directOrIndirectOwnership>
                <natureOfOwnership>
                    <value>By DST Global VII, L.P.</value>
                    <footnoteId id="F8"/>
                    <footnoteId id="F9"/>
                </natureOfOwnership>
            </ownershipNature>
        </nonDerivativeTransaction>
        <nonDerivativeTransaction>
            <securityTitle>
                <value>Class A Common Stock</value>
            </securityTitle>
            <transactionDate>
                <value>2026-08-25</value>
            </transactionDate>
            <transactionCoding>
                <transactionFormType>4</transactionFormType>
                <transactionCode>S</transactionCode>
                <equitySwapInvolved>false</equitySwapInvolved>
            </transactionCoding>
            <transactionAmounts>
                <transactionShares>
                    <value>5829</value>
                </transactionShares>
                <transactionPricePerShare>
                    <value>33.0604</value>
                    <footnoteId id="F12"/>
                </transactionPricePerShare>
                <transactionAcquiredDisposedCode>
                    <value>D</value>
                </transactionAcquiredDisposedCode>
            </transactionAmounts>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>2929990</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>I</value>
                </directOrIndirectOwnership>
                <natureOfOwnership>
                    <value>By DSTG VII Investments-1, L.P.</value>
                    <footnoteId id="F8"/>
                    <footnoteId id="F10"/>
                </natureOfOwnership>
            </ownershipNature>
        </nonDerivativeTransaction>
        <nonDerivativeTransaction>
            <securityTitle>
                <value>Class A Common Stock</value>
            </securityTitle>
            <transactionDate>
                <value>2026-08-25</value>
            </transactionDate>
            <transactionCoding>
                <transactionFormType>4</transactionFormType>
                <transactionCode>S</transactionCode>
                <equitySwapInvolved>false</equitySwapInvolved>
            </transactionCoding>
            <transactionAmounts>
                <transactionShares>
                    <value>756</value>
                </transactionShares>
                <transactionPricePerShare>
                    <value>33.0604</value>
                    <footnoteId id="F12"/>
                </transactionPricePerShare>
                <transactionAcquiredDisposedCode>
                    <value>D</value>
                </transactionAcquiredDisposedCode>
            </transactionAmounts>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>380298</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>I</value>
                </directOrIndirectOwnership>
                <natureOfOwnership>
                    <value>By DSTG VII Investments-4, L.P.</value>
                    <footnoteId id="F8"/>
                    <footnoteId id="F11"/>
                </natureOfOwnership>
            </ownershipNature>
        </nonDerivativeTransaction>
    </nonDerivativeTable>

    <footnotes>
        <footnote id="F1">The price reported in Column 4 is a weighted average price. The shares were sold in multiple transactions at prices ranging from $32.50 to $33.4999. The Reporting Person undertakes to provide to the Issuer, any security holder of the Issuer, or the staff of the Securities and Exchange Commission, on request, full information regarding the number of shares sold at each separate price within the range set forth in this footnote.</footnote>
        <footnote id="F2">DST Managers VI Limited (&quot;DSTG Managers VI&quot;) is the general partner of each of DST Global VI, L.P., DST Investments XXI, L.P., DSTG VI Investments, L.P. and DSTG VI Investments-A, L.P. DSTG Managers VI is wholly-owned by DST Global Advisors Limited (&quot;DST Global Advisors&quot;). Cardew Services Limited (&quot;Cardew Services&quot;) wholly owns DST Global Advisors. Galileo (PTC) Limited (&quot;Galileo (PTC)&quot;) wholly owns Cardew Services. Despoina Zinonos is the sole equity owner of Galileo (PTC). Each of DST Managers VI, DST Global Advisors, Cardew Services, Galileo (PTC) and Ms. Zinonos disclaims beneficial ownership of the securities reported herein for purposes of Section 16 of the Exchange Act, except to the extent of its or her pecuniary interest therein, if any. This report shall not be deemed an admission that any of the Reporting Persons is a beneficial owner of such securities for the purpose of Section 16 of the Exchange Act, or for any other purpose</footnote>
        <footnote id="F3">Shares held directly by DST Global VI, L.P.</footnote>
        <footnote id="F4">The price reported in Column 4 is a weighted average price. The shares were sold in multiple transactions at prices ranging from $33.50 to $33.56. The Reporting Person undertakes to provide to the Issuer, any security holder of the Issuer, or the staff of the Securities and Exchange Commission, on request, full information regarding the number of shares sold at each separate price within the range set forth in this footnote.</footnote>
        <footnote id="F5">Shares held directly by DST Investments XXI, L.P.</footnote>
        <footnote id="F6">Shares held directly by DSTG VI Investments, L.P.</footnote>
        <footnote id="F7">Shares held directly by DSTG VI Investments-A, L.P.</footnote>
        <footnote id="F8">DST Managers VII Limited (&quot;DSTG Managers VII&quot;) is the general partner of each of DST Global VII, L.P., DSTG VII Investments-1, L.P. and DSTG VII Investments-4, L.P. DSTG Managers VII is wholly-owned by DST Global Advisors. Cardew Services wholly owns DST Global Advisors. Galileo (PTC) wholly owns Cardew Services. Ms. Zinonos is the sole equity owner of Galileo (PTC). Each of DST Managers VII, DST Global Advisors, Cardew Services, Galileo (PTC) and Ms. Zinonos disclaims beneficial ownership of the securities reported herein for purposes of Section 16 of the Exchange Act, except to the extent of its or her pecuniary interest therein, if any. This report shall not be deemed an admission that any of the Reporting Persons is a beneficial owner of such securities for the purpose of Section 16 of the Exchange Act, or for any other purpose.</footnote>
        <footnote id="F9">Shares held directly by DST Global VII, L.P.</footnote>
        <footnote id="F10">Shares held directly by DSTG VII Investments-1, L.P.</footnote>
        <footnote id="F11">Shares held directly by DSTG VII Investments-4, L.P.</footnote>
        <footnote id="F12">The price reported in Column 4 is a weighted average price. The shares were sold in multiple transactions at prices ranging from $33.00 to $33.1567. The Reporting Person undertakes to provide to the Issuer, any security holder of the Issuer, or the staff of the Securities and Exchange Commission, on request, full information regarding the number of shares sold at each separate price within the range set forth in this footnote.</footnote>
    </footnotes>

    <remarks>This Form 4 is form 2 of 2. DST Global Advisors Limited is the Designated Filer on both form 1 and form 2.</remarks>

    <ownerSignature>
        <signatureName>DST Global Advisors Ltd By: /s/ Despoina Zinonos, President</signatureName>
        <signatureDate>2026-08-26</signatureDate>
    </ownerSignature>

    <ownerSignature>
        <signatureName>Cardew Services Ltd By: /s/ Despoina Zinonos, President</signatureName>
        <signatureDate>2026-08-26</signatureDate>
    </ownerSignature>

    <ownerSignature>
        <signatureName>Galileo (PTC) Ltd By: /s/ Despoina Zinonos, President</signatureName>
        <signatureDate>2026-08-26</signatureDate>
    </ownerSignature>

    <ownerSignature>
        <signatureName>/s/ Despoina Zinonos</signatureName>
        <signatureDate>2026-08-26</signatureDate>
    </ownerSignature>
</ownershipDocument>
