The seamless world of the Klarna Bank Account

Klarna Bank Account.

Banking. But smoooth.

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

A new banking experience.

Handle your finances easily with intuitive features that seamlessly fit your lifestyle. It's banking that doesn't feel like banking.

Mindful money management.

Save time and control your finances in real-time with a simple, straightforward overview. Money in. Money out. Money managed.

The no-hidden-fees bank account.

No monthly charges. No extra international fees. And 2 free ATM withdrawals a month. It's your money - don't spend it on bank fees.

Simpler, nimbler banking.

Move money instantly to the Klarna Bank Account from your existing bank for free and start banking right away. Send and schedule transfers easily. Pay with your card, smartphone, or smartwatch. Get notifications to stay in the loop. It's all in your Klarna app.

Your personal financial sidekick.

Get sweet insights into where your money goes with Klarna Bank Account’s intuitive features. Check your transactions with a real-time overview. Dig into the details with in-app monthly statements. It's mindful money management.

Not like a bank, except we're a bank.

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 an old-school bank offers but in a simple, sleek package.

Safe and secure.

The Klarna Bank Account blends innovative features with a high priority on security. Login 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.

Is that a bank branch in your pocket?

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

Your card, your way.

The Klarna Bank Card opens up a whole new banking experience. It works wherever Visa is accepted. Use it for 2 free ATM withdrawals a month. Pay worldwide, free of charge. Spend money on the things you love, not fees. And choose your favorite design.

We're the real deal.

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

Hidden fee-free.

No monthly running charges. No extra fees for spending abroad. Plus, 2 free ATM withdrawals a month.

Access anywhere.

Some shopping here. A withdrawal there. Use your Klarna Bank Account anywhere. Any way you want.

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.

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 anytime in the Klarna app.

Questions? We have the answers.

Security

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.

Customers trust Klarna.

Trustpilot 5 Sterne Bewertung

Anne, Trustpilot

Easy and uncomplicated! Always reminds you of open payments and allows you to stay organised, love it!

Trustpilot 5 Sterne Bewertung

Vincenzo, Trustpilot

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

Trustpilot 5 Sterne Bewertung

Caroline, Trustpilot

Excellent service, great, no problems at all, very helpful, chat room brilliant! Thanks so much!

Simple, smart, safe.

Open your Klarna Bank Account.