Since the pandemic, many people have switched to digital and contactless payment methods so as to comply with regulations.
Following that, there are now many different types of digital payment methods available on the market, with each working similarly or differently.
Buy Now Pay Later (BNPL) is the new payment model in the e-commerce space, and following its increasing popularity, there's no doubt it will overtake traditional and some digital payment methods in the future.
Klarna is the fourth most popular BNPL service provider out there — with a market share of 23% in an overall 60% of consumers using BNPL services for making payments — according to Bankrate.
Over the years, Klarna has strived to offer consumers an easy way to shop now and pay later with the most convenient payment method they can have.
By so doing, it is now compatible with a good number of cards and banks — but what cards and banks does Klarna accept? That's what we'll be seeing today.
To address this issue, I've compiled a list of banks and cards from a couple of countries that Klarna accepts as a payment method.
Table of Contents
What Cards Does Klarna Accept?
According to its official website, Klarna accepts all major credit and debit cards in the United States, Europe, and Australia, including; Visa, Discover, Maestro, and Mastercard.
However, you can't use prepaid cards on Klarna since the service does not accept them.
The credit and debit cards here should be issued by registered institutions or banks.
This means if you try using a credit or debit card issued from an online bank or Fintech company, there's a high chance that the card will be declined by Klarna. For example, Klarna does not support Chime which is an online bank.
It is also worth mentioning that Klarna might decline your credit card as a payment method if you use it for purchases made with the Klarna card.
Does Klarna Accept Credit Cards?
Yes, Klarna does accept credit cards for payments.
However, credit card payments may be accepted wherever Klarna checkout is available.
If available, you can use your credit card to pay for a Klarna invoice without hassle.
What Banks Does Klarna Accept?
Klarna accepts most banks from many different countries, including the United States, Europe, and Australia.
While we can't provide a complete list of the banks that are accepted by Klarna, we've mentioned the major banks in each region that work with Klarna as shown below:
| Country/Region | Banks |
|---|---|
| United States | JPMorgan Chase, Bank of America, Citigroup, Wells Fargo, U.S. Bancorp, PNC Financial Services, Trust Financial, Goldman Sachs, Capital One Financial, TD Group US Holdings, Bank of New York Mellon, State Street, Citizens Financial, First Republic Bank, Morgan Stanley Private Bank. |
| Canada | Toronto-Dominion Bank, Royal Bank of Canada, Bank of Nova Scotia, Bank of Montreal, CIBC, Desjardins Group, National Bank, HSBC Bank, Laurentian Bank of Canada, Canadian Western Bank. |
| Australia | Commonwealth Bank of Australia, ANZ, NAB, Westpac, Bank of Queensland, Macquarie Bank, Bendigo Bank, AMP Bank Ltd, Suncorp Bank, Bankwest. |
| European Union | BNP Paribas, Bunq, Crédit Agricole, Deutsche Bank, Fidor Bank, HSBC, Unicredit. |
| United Kingdom | ABN Amr, Banco Sabadell, Bank of Scotland, Barclays, BBVA, Citi, Danske Bank, Handelsbanken, Lloyds Bank, Metro Bank, NatWest, RBS, Santander, Société Générale, The Co-Operative Bank, Ulster Bank. |
| Austria | Erste Group Bank, Raiffeisen Zentralbank (RZB Group), UniCredit Bank Austria AG, BAWAG P.S.K., Raiffeisenlandesbank Oberosterreich, Osterreichische Kontrollbank AG, Raiffeisenlandesbank Niederoesterreich-Wien AG, Oberbank AG, HYPO NOE Gruppe, Raiffeisen-Landesbank Steiermark. |
| Belgium | Argenta, Axa Bank, Bank Nagelmackersk, Belfius, Beobank, BNP Paribas Fortis, Crelan, ING, KBC, Rabobank, Société Générale. |
| Denmark | Danske Bank A/S, Nykredit Realkredit A/S, Realkredit Danmark A/S, Totalkredit A/S, Nordea Bank Danmark A/S, Nordea Kredit Realkreditaktieselskab, Jyske Bank, BRFKredit A/S, Nykredit Bank, DLR Kredit A/S, Sydbank. |
| France | Crédit Mutuel, La Banque Postale, Société Générale, UBS. |
| Germany | ABN Amro, ING, ING DiBa, Santander, Sydbank, UBS. |
| Netherlands | ABN Amro, Argenta, ASN Bank, Beobank, Handelsbanken, ING, Rabobank, Regiobank, SNS. |
| Norway | Bank Norwegian AS, DNB Bank, Handelsbanken, Storebrand Bank ASA, Sparebank 1 SMN, BN Bank ASA, Santander Consumer Bank AS, Skandiabanken, Sparebanken Møre, yA Bank. |
| Italy | Banca MPS, Banca Nazionale del Lavoro, Banco BPN, BBVA, CheBanca!, Credit Agricole Italia, UBI Banca. |
| Spain | Banco Sabadell, Bankia, BBVA, CaixaBank, ING, Santander, UBS |
| Sweden | Nordea Bank AB, Svenska Handelsbanken AB, Skandinaviska Enskilda Banken, Swedbank, Carnegie Investment Bank AB, Ikano Bank, Forex Bank AB, Skandiabanken, Sveriges Riksbank (Bank of Sweden), Westra Wermlands Sparbank. |
| Switzerland | UBS Group, Credit Suisse, Raiffeisen Switzerland, Zurich Cantonal Bank, Julius Baer Group, Banque Cantonale Vaudoise, EFG International, Basler Kantonalbank, Luzerner Kantonalbank, Galler Kantonalbank. |
Does Klarna Accept Current Cards?
Yes, Klarna does accept cards issued from the current bank.
This means you can add your Current card as a payment method on Klarna.
Does Klarna Accept Varo Cards?
No, Klarna does not accept Varo cards.
If you're looking for a cash advance option with Varo, you can use Varo's cash advance feature which lets you borrow money from Varo.
Why Is Klarna Not Accepting My Card?
If Klarna isn't accepting your card, make sure you double-check whether the card has been correctly linked to the service.
If you're looking to make a purchase, make sure that the card holds sufficient balance to cover the transaction amount.
Nonetheless, it is worth mentioning that some merchants might decline your card on Klarna because they don't support the card for a specific purchase. In other words, Klarna treats each purchase as a new decision.
What Other Payment Options Does Klarna Accept?
Besides accepting credit cards, debit cards, and bank accounts, Klarna also accepts Apple Pay as a payment method.
This means you can add Apple Pay as a payment method in the Klarna app.
What Countries Is Klarna Available?
Before heading to a list of cards and banks that accept Klarna, it's important to know where the service is available. This will help you understand whether it is worth continuing to read if the service is or is not available in your country.
In other words, it will help you better prepare your mind.
Klarna is available in 45 countries including the United States, Australia, and most European countries.
However, the availability of Klarna in a country depends on its shopping features, which can all be available in a country, but not available in other countries, which only support one of its features.
Klarna can be available in countries in three different ways, which include; Klarna Checkout, Klarna's payment methods as individual products, and Klarna In-store.
We've made a complete breakdown of Klarna's availability in supported countries in the table that follows:
| Klarna Service/Feature | Available Countries |
|---|---|
| Klarna Checkout | Sweden, Norway, Finland, Denmark, Germany, Austria, the Netherlands, Belgium, Switzerland, Great Britain and the USA. |
| Klarna's payment methods as individual products |
Sweden, Norway, Finland, Denmark, Germany, Austria, the Netherlands, Belgium, Switzerland, France, Italy, Poland, Spain, Portugal, Great Britain, Greece, the Czech Republic, the USA, and Australia. |
| Klarna In-store | Sweden, Norway, Finland, Denmark, Germany, Austria, the Netherlands, Belgium, Switzerland, France, Italy, Poland, Spain, Great Britain, the USA, Canada, and Australia. |
Frequently Asked Questions
Does Klarna accept any prepaid cards?
No, Klarna does not accept any prepaid cards.
What bank does Klarna use?
Klarna uses Webbank, which is the Klarna Card issuer, and allows consumers to pay over time in four, interest-free payments with no down payment for any store or online purchase.
Can I use my bank account for Klarna?
Yes, you can use your bank account to make purchases with Klarna. All you need to do is add it as a payment method in the payment settings.
What are the payment options for Klarna?
Klarna accepts credit and debit cards, bank accounts, and Apple Pay as payment options.
Final Thoughts
Klarna is a popular BNPL service provider in the market that is gradually becoming the norm in the e-commerce space.
Klarna accepts all popular credit and debit cards from registered banks and by so doing, it accepts a couple of banks in supported countries.