Chime is a mobile banking option with no monthly or overdraft fees under $200. This fact makes it a popular option among people looking to switch bank holders.

Unfortunately, if you’re looking for a buy now, pay later option that you can use with Chime, you should look somewhere other than Klarna. Chime debit cards do not work with Klarna at all.

Please continue reading to learn everything you need about how Klarna and Chime operate together. In addition, we will discuss common issues you can have when you link your Chime debit card to Klarna.

Differences Between Klarna and Chime

Chime and Klarna are both online financial software that works similarly to banks.

However, neither of these options are owned by any banking institutions.

Chime and Klarna serve different purposes even though they are similar technologies.

Both options are safe and secure ways to purchase items online.

  • People use Klarna to buy things now and pay them off later
  • Chime makes your paycheck available two days early
  • Klarna does not build your credit
  • Chime credit cards use interest rates
  • Klarna only works with major banking institutions
  • Chime allows you to open checking and savings accounts

Below, we will discuss the key differences you should know about Klarna and Chime to help you understand why they don’t work together.

Klarna Lets You Buy Things and Pay Later

The main reason people open a Klarna account is that it allows them to make purchases even if they don’t have the money readily available.

You can use Klarna to buy things online that you want.

For example, if you want to buy something online for $600 but don’t have the money, you can use Klarna to make payments on the item.

Klarna will automatically withdraw funds from your bank account to pay off your borrowed money without making you pay interest.

The main reason people are reluctant to use Klarna when making purchases is that when you’re late on paying the item back, they will charge late fees.

Chime Works Like a Bank Account

Even though Chime works similarly to a bank account, it’s not owned by an actual financial institution.

However, even though it’s not an official option, you can set up direct deposit and savings accounts.

Many people use Chime because it allows them to access their direct deposits quicker than a standard bank account.

It doesn’t allow you to make purchases and pay them off after.

People’s main complaint about Chime is that it can be difficult to access their funds, and there’s no in-person support.

Common Issues When Linking Chime with Klarna

You can get a credit card through Chime that allows you to make purchases and pay on them later, just like you would a regular credit card.

When people try linking their Klarna account with their Chime debit card, nothing will happen. Klarna will not allow you to proceed to check out if you use a Chime debit card to register your payments.

Getting a credit card through Chime would be better than using Klarna because it will build your credit.

However, Chime credit builder does charge interest rates, unlike Klarna.

The only buy now pay later website that works with Chime is QuadPay.

However, many retailers don’t offer QuadPay as an option at checkout.

Why Don’t Chime Cards Work with Klarna?

Klarna won’t accept debit cards from Chime because it’s not a legitimate banking institution.

Klarna will only accept credit cards from major banking institutions like Visa, Discover, and MasterCard.

You also cannot use any prepaid cards with Klarna because there’s no guarantee that those cards will reload, and Klarna will have difficulty receiving their payments.

Some major banking institutions refuse to let you use a buy now, pay later option like Klarna or AfterPay.

Capital One is most well-known for not supporting this payment option.

Klarna can also refuse to allow you to make a purchase if you have a history of not paying back financial institutions.

They will run a credit check on you before approving your payment at checkout.

Final Thoughts

Unfortunately, if you use Chime as your primary banking system, you cannot use Klarna to buy items now and pay them back later.

These options do not coincide with each other.

However, Chime offers a credit card that allows you to build your credit and pay them back when you can.

The only downside of this credit card is that they charge you an interest rate.

You can visit the Chime website to inquire about this credit card and determine whether it’s a good option for you.

Having a credit card can be handy in emergency situations.

If Klarna refuses to accept your payment method, there could be something wrong with your banking institution, or they might not function together.