Klarna works with (or perhaps, accepts) many different payment methods, and this includes both traditional and digital payment methods.
With that said, you'll think it accepts an online bank like Chime, but there's just a lot to know when looking to use Chime on Klarna.
Before we head there, let's see whether these two integrate.
Does Klarna Accept Chime?
No, Klarna does not accept Chime.
You might be wondering why Klarna does not accept Chime since it works just like other bank accounts.
Here's why.
Chime is a financial technology company, not a bank — that offers fee-free banking services to customers holding an account with them.
Klarna only allows you to link established or brick-and-mortar bank accounts—not online banks—which is the main reason why Klarna rejects online-only financial institutions (or banks) like Chime.
This is the same situation you'll face when looking to use fintech services like Cash App on Klarna.
Does Klarna Accept Chime Debit Card?
No, Klarna does not accept the Chime debit card.
The reason is the same, the Chime debit card is issued by an online-only financial institution—which isn't supported by Klarna.
So if you try linking your Chime debit card to Klarna, you'll probably be unsuccessful through the process.
Does Chime Credit Builder Work On Klarna?
No, Chime Credit Builder does not work on Klarna.
While some sources might say otherwise, Klarna does not accept the Chime Credit Builder card since it is issued by the same fintech company, Chime.
Why Doesn't Klarna Accept Chime?
Klarna doesn't accept Chime, that is a sure fact—but why?
I've mentioned that earlier in this article, but for those of you who didn't get the sense of the point, here's why Klarna doesn't accept Chime.
Klarna does not accept Chime because Chime is an online-only financial institution with no physical presence.
More to that, Klarna works with major banks — and Chime isn't even a bank in the first place.
How To Use Klarna With Chime
While Klarna doesn't accept Chime directly, there's an indirect way to use Klarna with Chime.
However, you'll need an external bank account (other than your Chime account) — which will serve as a bridge.
With that said, there are 2 steps involved, which include:
1. Link Your External Bank Account To Chime And Transfer Funds
The first thing you'll want to do is link your external bank account to Chime and initiate the transfer of the funds you'll need on Klarna.
Thankfully, Chime makes it easy to transfer money from your Chime account to your external bank account.
To do so:
- Log in to your Chime app.
- Select "Move Money."
- Select "Transfers."
- When you are prompted, enter the login credentials of your external account.
2. Link Your Bank To Klarna
Once the funds are reflected in your bank account, the next thing you'll want to do is link your bank account to Klarna.
To do so:
- Open the Klarna app.
- Go to "Settings."
- Select "Payment methods."
- Tap "Connect a bank account" to link your bank account to Klarna.
That it! You just found a way to use Klarna with Chime.
What Payment Methods Does Klarna Accept?
Klarna accepts all major debit and credit cards from top providers, such as; Visa, Discover, Maestro, and Mastercard.
However, Klarna does not accept prepaid cards.
It is important to note that credit cards aren't accepted as a payment method if you use the Klarna card for making purchases.
Frequently Asked Questions
What bank cards does Klarna accept?
Klarna accepts all major debit and credit cards, such as Visa, Discover, Maestro, and Mastercard.
What pay-later apps work with Chime?
Chime works with a couple of pay later apps including; Dave, Varo, Albert, Cleo, Empower, and MoneyLion
Does Chime work with Afterpay?
Yes, Chime does work with Afterpay — meaning, you can link your Chime account or debit card to Afterpay and use it for your payment installments.
Final Thoughts
Klarna is an increasingly popular payment method for people looking to shop with the new BNPL payment method.
While Klarna accepts bank accounts, it wouldn't accept any account from Chime — since it isn't a bank, but an online-only financial technology company.
Nonetheless, you can use Chime with Klarna by transferring funds from Chime to your external bank account and then linking the account to Klarna.