One account. Endless possibilities.

To be eligible for a Klarna balance you must:

• Be a resident of an EU country with a valid EU address

• Be 18 or older with a valid ID

• Have a valid Tax ID or identification number

• Have a phone number from the EU or UK

Open your Klarna personal account in the Klarna app in a few minutes. Go to Accounts and cards and follow the steps. After we verify your identity, you can add money and start using your account right away. It is free to open and use.

Yes. You'll automatically receive a virtual card.

You are not required to use your Klarna Card. If you're interested in getting the physical Klarna Card, you need a membership.

Good to know:

• Depending on your membership, you may be charged a delivery fee when ordering your physical Klarna Card.

• The virtual card works for all types of transactions.

Your Klarna Personal account is a secure account for adding and storing money, paying for purchases, and receiving faster refunds. Use your preferred funding source to add money to your account, receive refunds, earn cashback, and pay for future purchases with your balance.

From the Klarna app home screen, tap Add money. You can top up with the funding source of your choice. You can also choose to set up automatic reloads that fit your schedule.

You can withdraw funds to your linked bank account or linked debit card.

1. 1.

   Go to Accounts and cards

2. 2.

   Tap Klarna balance or Main account, then Send

3. 3.

   Follow the instructions

Good to know: You can transfer to debit cards that you've already used to add funds.

You can pay in three ways:

At checkout, choose your Klarna personal account as your payment method if you have enough money in your Klarna personal account.

Pay in stores or online with your Klarna Card using money in your account.

For existing Klarna purchases, go to Payments, select your purchase, tap Pay early, and choose your Klarna personal account as the funding source.

To get refunds faster, you can opt to have refunds sent directly to your personal account. Go to Accounts and cards, open Settings, tap on faster refunds. You can change your refund preferences anytime in the app.

Your account is covered by the Swedish deposit guarantee scheme. The maximum compensation per customer is 1,150,000 SEK (about 100,000 EUR). Compensation is paid by the Compensation Scheme of German Banks (EdB) and made available within 7 business days from the date your entitlement to compensation arises. Find more information on the Riksgälden website.

Purchase power is an estimate of how much you can spend with Klarna. It is not a guaranteed amount, but a useful guide.

When you pay from your personal account, you clear Klarna purchases faster. That can free up purchase power sooner. Keeping open payments to a minimum helps too.

Yes. From Add money in the app, you can set a schedule to add money automatically or top up when your balance drops below an amount you choose.