(2023) Does Klarna accept Chime or Chime credit builder card

No, Klarna does not accept Chime. When you try to add a Chime card, you will receive a ‘Please use a different card’ error.

Do you want to know whether Klarna works with Chime or not?

Can you shop on Klarna with your Chime debit or credit builder card?

If these are your questions, you have landed on the right page. This post explains all you need to know about workablity of Chime with Klarna.

So let’s get started.

New alternative methods to pay for online shopping like Klarna, ZIP (formerly Quadpay), Afterpay, Sezzle, and more allow people to finance their online purchases for low or no interest, making it easier to pay off large purchases over time.

Klarna is one of the largest services among these and is popular because of its multifaceted payment solution. It offers three payment solutions: pay in four installments, apply for financing, and pay 30 days after purchase.

To pay for your purchase, you can choose from any of these options of Klarna. Well, when it comes to paying back the amount to Klarna, you can use any major debit or credit card, but does Chime card work with Klarna? Let’s find out.

Does Klarna accept Chime cards

Short Answer: No, Klarna doesn’t work with Chime. You will not be able to use your Chime debit card with Klarna. Although, you might still be able to use your Chime credit builder card with Klarna.

If you try to use your Chime Visa debit card with Klarna, you will get the following error “Please use a different card; we don’t support your bank’s card yet. We are constantly working to increase coverage”.

Does Klarna work with Chime

Also, As per some users on Reddit and Twitter, the Chime credit builder card is still working with Klarna. However, some users also stated that even the Chime credit builder card is not working with Klarna.

So, it is for sure that the Chime debit card is not working with Klarna, but the Chime credit builder might work. You can give it a try.

If you don’t have a chime credit builder card, you would like to look at our guide on How to Get Chime Credit Builder Card.

Below is a Twitter discussion where a user reported a complaint with Chime and Klarna that Chime debit is not working with Klarna and requested to fix it. In the comments, some users mentioned that Chime credit builder is still working with Klarna; you might want to have a look at it as well.

What cards does Klarna accept?

Klarna currently accepts all major debit and credit cards from Mastercard, Visa, AMEX, and Discover.


  • AMEX cards are not accepted when creating a One-time card.
  • Capital One does not allow their credit cards to be used for Klarna purchases, but Capital One debit cards can be used.
  • Prepaid cards are not accepted.

Does Klarna accept prepaid cards

No, Klarna does not accept prepaid cards. However, you can use any major debit or credit card with Klarna.

How to add a card to Klarna account

To add/delete a card or bank account, please follow these steps:

In the Klarna app
  • Open Klarna app and log in to your account.
  • Select ‘Payment methods’ in your ‘My Klarna’ settings
  • Choose to ‘Add a card’, ‘Add a bank account’, or ‘Remove’
On Klarna.com
  • Open Klarna.com and log in to your account.
  • Select ‘Payment methods’
  • Choose to ‘Add a card’, ‘Add a bank account’, or ‘Remove’

Note: You can add as many cards as you want to your Klarna account, but you can save one bank account at a time and once it is removed you can add a new account.


1. Why doesn’t Klarna accept Chime?

Klarna doesn’t accept Chime branded card as only a few Mastercard, Visa, AMEX, and Discover powered card are supported.

Final Words

Chime is not a bank; it is a financial technology company owned by The Bancorp Bank or Central National Bank. It offers fee-free mobile and internet banking services.

It allows you to send and receive money to friends and family and helps you get your paycheck up to 2 days early. Using Chime, you can also overdraft up to $200 without paying any fee.

Well, Chime is recognized as a major banking service across the nation, and its debit and credit cards are accepted at almost all places where visa debit cards are accepted.

However, there are still some places and services where Chime card fails to work, like Klarna.

So, to conclude this post, we would only say that Klarna is not accepting the Chime debit card, but at the same time, the Chime credit builder card is working fine with Klarna for some users. So, if you have a Chime credit builder card, you can give it a shot; it might work for you.

Further Reading:

Does Affirm accept Chime? How to add it?

Does Enterprise accept Chime: Guide

Does MoneyLion work with Chime

Is it Possible to Increase Chime Spending Limit