Bank account mobile
Bank account

Klarna Bank Account.

Banking that suits your lifestyle.

The everyday, anywhere bank account that keeps up with you.

Banking at its best.

Get instant account top-ups, real-time transfers, and we don't charge you monthly fees or for spending abroad. 

Enjoy the overview.

See what you have, what you spend, and save, at a glance—so nothing gets past you.

Save your way.

Earn pretty nice interest with Klarna Locked Savings, or start a savings habit with Pools. 

Your new daily essential

Your new daily essential.

Your Klarna Bank Card is a Visa debit card that works wherever Visa is accepted—online, abroad, and in-store. When you use it, the amount is directly debited from your Klarna Bank Account, so make sure you have enough money in it. Add it to your digital wallet to pay with your smart device. Use it for 2 ATM withdrawals a month without extra charges from Klarna.

Klarna Bank Account

Instant top-ups and transfers.

Start banking right away—move money instantly to the Klarna Bank Account from your existing bank. Instantly send money to friends in seconds. Shop online without TANs or app switching. 

Save with Pools sub-accounts - KBA EN

Save with Pools sub-accounts.

Put your savings habit on cruise control with Pools. Open up to 3 Pools with your Klarna Bank Account. Set your saving goals and use automated savings rituals—like round-ups or weekly transfers—to make setting aside money a little easier.

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Watch your money grow.

Get your money working for you with Klarna Locked Savings. Choose a term and lock in your money at some pretty nice interest rates—available with your Klarna Bank Account, right from the app.

Klarna: We are a bank.

Track your money with Financial Overview.

Check your transactions in real-time. Set a monthly budget. Automatically categorize your transactions to track your spending with less effort. Get mindful about where your money goes.

Why risk it?

Why risk it?

We are a fully licensed bank with a German branch. You get a German IBAN and a Visa debit card. Your deposits are insured*, and your data is secure. You get everything you’d expect from an old-school bank offers in one smoooth package.

The account is covered by the Swedish deposit guarantee scheme in accordance with a decision by the Swedish National Debt Office. The maximum compensation to each customer is EUR 100,000 and the National Debt Office will make the compensation available for payment within 7 business days of the date the right to compensation commenced. Read more at

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Control looks good on you.

Access innovative features with a high priority on security. Log in with your biometrics. Pay securely. Freeze and unfreeze your card with a tap in the Klarna app. Enable or disable contactless, online, or foreign payments to stay in control. 

Reach customer support 24/7

Reach customer support 24/7.

Customer support is just a phone call or an instant message away. Reach someone from Klarna during business hours on weekdays. We're also available for chat 24/7 in the Klarna app. So, give us a ring or a ping if you need us.

Customers trust Klarna.

5 green TrustPilot stars
Ihechi, Trustpilot.

Honestly the best bank I’ve ever used. This service makes every payment very convenient and easy. I’m impressed.👏🏽👏🏽

5 green TrustPilot stars
Vincenzo, Trustpilot.

Klarna has a really good service. By using the chat, a competent agent helps you within seconds. My problem was immediately solved.

5 green TrustPilot stars
Marco, Trustpilot.

The best finance and bank application.

Pay your way, safely.

Get a Visa debit card. Connect it to Apple Pay or Google Pay. And keep it secure: Temporarily freeze it, permanently block, control how to pay with it.

More flexibility.

We don't charge you monthly fees, for spending abroad, or for 2 ATM withdrawals a month. It's your money - don't spend it all on bank fees.

Access anywhere.

Some shopping here. A withdrawal there. Use your Klarna Bank Account anywhere Visa is accepted.

We're the real deal.

Klarna is a fully licensed bank, so you get a German IBAN, and your deposits are safe with us.

Top-up in no time.

Add money to your Klarna Bank Account instantly. Get a real-time overview of what goes in and out. It’s banking that keeps up with you.

Give us a ping or a ring.

Need customer support? Call us during business hours to get an account manager on the phone or reach us by chat 24/7 in the Klarna app.


The Klarna Bank Account is covered by the Swedish statutory Deposit Guarantee Scheme pursuant to a decision by the Swedish National Debt Office.

Legal documents

Information, terms and a collection of all legal documentation.

Questions? We have the answers.

It’s easy as can be.

  • Log in to the Klarna app

  • Go to “Bank & Card”

  • Fill in the application form

  • Verify your identity with KlarnaIdent or VideoIdent

  • Set your PIN

  • Pick your Klarna Bank Card design

  • Now you’re ready to send money to your Klarna Bank Account. You can instantly start paying with Apple Pay or Google Pay

  • Your Klarna Bank Card will arrive within 7 working days at your chosen address. It’s a Visa debit card that works everywhere Visa is accepted.

  • To open your bank account, you need to be 18 years old.

Yes, Klarna Bank AB is a fully licensed bank with headquarters in Sweden and an official German branch. Every bank account comes with a German IBAN and a Visa debit card.

There are no fees for account running, transactions, as well as domestic and international payments. 2 cash withdrawals per month are free, anywhere in the world. After that, we charge €2 per withdrawal. In some rare cases there may be a charge, see more information here, section “Charges Klarna Bank Account”.

Each Klarna Bank Account comes with a Klarna Bank Card; a Visa debit card that works everywhere Visa is accepted. Payments you make with your Klarna Bank Card are processed in real time. And as with any Visa debit card, you can use it to take out cash both at home and abroad.

The Klarna Bank Card comes with your Bank Account and is a Visa debit card, that you can use to pay online or in shops and withdraw cash.
The Klarna Card does not allow cash withdrawal, but lets you use Klarna’s payment options everywhere. That means you can pay later or finance your purchases everywhere with your Klarna Card. Follow the simple steps to apply.

You can reach us 24/7 via our in-app chat. You can also call us on weekdays from 9am – 6pm.

Customer service

More common questions in English

KBA EN: Open your Klarna Bank Account.

Smart, safe, smoooth.

Open your Klarna Bank Account.

Copyright © 2005-2023 Klarna Bank AB (publ). Headquarters: Stockholm, Sweden. All rights reserved. Klarna Bank AB (publ). Sveavägen 46, 111 34 Stockholm. Organization number: 556737-0431