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Klarna Bank Account.
Banking. But smoooth.
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 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.
Move money instantly to the Klarna Bank Account from your existing bank to start banking right away. Instantly send money to friends. Send and schedule transfers with a few taps. Pay with your card, smartphone, or smartwatch. Get payment notifications to stay in the loop. It's all in your Klarna app.
Get sweet insights into where your money goes with the Klarna Bank Account. Check your transactions in a real-time. Set a monthly budget to keep your finances under control. Automatically categorize your transactions to track your spending with less effort. Get mindful about where your money goes.
Put your savings habit on cruise control with Pools. These sub-accounts include automated savings rituals and goal-setting to build financial habits.
Get your money working for you with Klarna Locked Savings. Choose a term and lock in your money at some pretty nice interest rates—right from the Klarna app.
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 in one smoooth package.
The Klarna Bank Account blends innovative features with a high priority on security. Log in using a PIN or your biometrics. Pay with 3D Secure.
Want it safer? Freeze and unfreeze your card in the Klarna app whenever you think you've lost it. Enable and disable contactless, online, or foreign payments to stay in control.
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.
Meet your Klarna Bank Card. It works wherever Visa is accepted—online, abroad, or just around the corner. Use it for 2 ATM withdrawals a month from your Klarna Bank Account, without extra charges from Klarna. Spend money on the things you love, not fees.
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.
The Klarna Bank Account is covered by the Swedish statutory Deposit Guarantee Scheme pursuant to a decision by the Swedish National Debt Office.
Information, terms and a collection of all legal documentation.
Customers trust Klarna.
Easy and uncomplicated! Always reminds you of open payments and allows you to stay organised, love it!
Klarna has a really good service. By using the chat, a competent agent helps you within seconds. My problem was immediately solved.
Excellent service, great, no problems at all, very helpful, chat room brilliant! Thanks so much!
Smart, safe, smoooth.
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Klarna is available around the world with a variable offering, choose one that suits you best.
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