Does Klarna Accept Chime? Here's What You Need To Know

Are you looking to use Chime on Klarna, but doubting whether Klarna accepts Chime? Here's what you need to know.
Tebid Kelly
does klarna accept chime

No, Klarna does not accept Chime as a payment method.

Chime is a financial technology company—not a bank, and that offers financial services such as an online bank account, a debit card, loans, among others.

Klarna is a "Buy Now, Pay Later" (BNPL) service that allows you to split your purchases into four interest-free installments.

Klarna only accepts brick-and-mortar banks—and it does not accept online-only banks such as Chime.

Table of Contents

Does Klarna Accept Chime Debit Cards?

No, Klarna does not accept Chime debit cards as of this writing.

Of course, the main reason for this incompatibility is because Klarna does not support online banks like Chime likewise, the Chime debit card won't work with Klarna.

Does Klarna Accept Chime Credit Builder Card?

The Chime Credit Builder Card is a credit card issued by Chime that empowers qualifying Chime members to build credit for free with no annual fees or interest. "Its main purpose is to build credit."

While a couple of sources might say otherwise, Klarna does not accept the Chime credit builder card.

Why? Well, because the Chime credit builder card is meant to build credit.

Why Doesn't Klarna Accept Chime?

You probably know why, right? But if you don't know why, let you use my time machine to bring back the point to you.

Klarna does not accept Chime because Chime is a financial technology company, not a bank. More to that, Klarna only works with brick-and-mortar banks as of this writing.

How To Use Chime On Klarna

You might be surprised to see this since Klarna does not support Chime. Yeah, that's just normal.

But pitch this—there's an indirect way to use Chime on Klarna—that's if you're really looking to use Chime on Klarna, of course.

But before we dive into the method, you'll need a bank account—this will be used as a bridge for the process.

Ready? Let's dive into it.

Step 1: Link An External Bank Account To Chime

The first thing you'll want to do is link your external bank account to Chime.

Thankfully, Chime makes it easy to link an external bank account to your Chime account.

To do so:

  1. Login to your Chime account online.
  2. Navigate to Settings > Linked Accounts.
  3. Link your bank account to Chime.

Step 2: Transfer Money From Your Bank Account To Chime

After linking your bank account to Chime, the next thing you'll want to do is transfer money from your bank account to Chime.

To do so:

  1. Login to your Chime account online.
  2. Click Move Money on the left menu.
  3. Select Transfer from other banks.

Step 3: Link Your Bank Account To Klarna

Next, you'll have to link your bank account to Klarna.

To do so:

  1. Open the Klarna app.
  2. Go to "Settings".
  3. Select "Payment methods".
  4. Tap "Connect a bank account" to add an account.

Step 4: Use Your Bank For Making Payments With Klarna

Once the funds arrive in your bank account and you've linked this bank account to Klarna, you can start using the funds in the bank account to make payments with Klarna.

What Payment Methods Does Klarna Accept?

Klarna offers three main payment methods to cater to different consumer needs: Pay now, Pay later, and Slice it. However, it's important to note that the availability of these payment methods may vary depending on the country. Let's take a closer look at each payment method:

Pay now:

  • Customers who prefer to pay in full at the time of checkout can use Klarna's Pay now option [1].
  • Accepted payment methods for Pay now include:
    • Credit/debit cards (Visa, Mastercard).
    • Klarna Direkt.
    • Sofort.
    • SEPA Direct Debit.

Pay later:

  • Klarna's Pay later option allows customers to buy now and pay later, making the purchasing process quicker and easier.
  • Accepted payment methods for Pay later include:
    • Pay in x days.
    • Pay at the end of a specific month.

Slice it:

  • Klarna's Slice it option enables customers to spread the cost of their purchases over time, providing flexibility and increased purchasing power.
  • Accepted payment methods for Slice it include:
    • Installment plans.
    • Flexible financing plans.

Final Thoughts

The Buy Now, Pay Later (BNPL) concept is gradually integrating the finance space.

Klarna, one of the top choices for BNPL customers lets you split the cost of purchases into different installments.

While Klarna does not accept Chime, you can indirectly use Chime on Klarna through a linked bank account.


About the Author

Tebid Kelly
I'm Tebid Kelly, A Content Creator, Video Producer Financial Consultant and Certified Google Publisher. I write contents for, which are my two blogs.

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