Fully licensed banking.

Your security is our highest priority so your funds are safe and your data's secure with us.

Klarna is a fully licensed bank, with offices in Sweden and Germany. Your funds are protected by the Swedish Deposit Guarantee Scheme up to 100.000 Euro.

24/7 in-app chat support.

For any questions about your bank account, transactions or security, we have a team of experts ready to help around the clock. Chat us straight from the app.

Banking. In real time.

The Klarna App sends you instant notifications for all your transactions. So you’re always up to date on where your money is.

Next level security.

3D Secure

Advanced 3D Secure (3DS) technology is an additional security layer for online card transactions used by Visa. It means special protection against fraud, by adding an extra authentication step for online purchases

Elevated Authorization

Your money and bank account are protected at all times thanks to the exclusive log-in from your personal device combined with fingerprint or PIN authentication. Simply update your settings in the Klarna app.

Freeze & Unfreeze

Whether it's stuck down the sofa, your handbag or at home, temporarily freeze your Klarna bank card at any time. Then unfreeze it again later. Just head to card settings in the Klarna app.

More questions?

The Klarna Bank Account is covered by the Swedish statutory Deposit Guarantee Scheme pursuant to a decision by the Swedish National Debt Office.
An account holder is entitled to reimbursement for aggregated total deposits in Klarna with an amount corresponding to a maximum of EUR 100,000. The Swedish National Debt Office shall pay the reimbursement within seven working days from the date the bank went into bankruptcy or the Swedish Financial Supervisory Authority decided that the guarantee should enter into force.
In addition to this amount, account holders may, under certain conditions receive compensation for certain deposits attributable to special events, such as the sale of private residence, severance pay or insurance claims, with a maximum of SEK 5 million. A longer reimbursement period may then apply.