Klarna Pools
Klarna Pools

Klarna Pools

Start saving. Stay saving.

We do the work for you.

Open your Pool, set a goal and an amount that works for you, then automate your saving ritual. Your Pools, your rules.

Get organized with 3 free Pools.

Manage your money with up to 3 free Pools in your Klarna Bank Account. No monthly charges. No hidden fees.

Save now. Buy later.

Shop where you save and get spending insights for more financial control — all in the Klarna app.

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.

Klarna Pools
Make your saving habit stick with Pools.

Whether you're saving for a big purchase, a sunny vacation, or a rainy-day fund, organize your goals with up to 3 free Pools and get hooked on saving. These sub-accounts in the Klarna Bank Account use automated savings rituals and goal-setting to help you consistently set aside money.

Klarna Pools
Saving should be as easy as spending.

Pools make starting healthy savings habits simple. How?

  1. Go to your Klarna Bank Account in the Klarna app

  2. Open your new Pool in seconds

  3. Set a goal, even 1 euro

  4. Choose a saving ritual, like rounding up purchases or setting an automatic transfer

  5. Get back to your thing while the savings flow into your Pool

Setting a goal keeps you motivated. Starting with an amount that works for you keeps saving easy. Automating the ritual keeps your saving habitual.

Klarna Pools
Banking that doesn’t feel like banking.

Meet a bank account that keeps up with you. Sign-up quickly and add, send and save money instantly. Pay with your card, smartphone, or smartwatch, wherever. There are no running charges or hidden fees. Call or chat with us anytime when you need to. It's all a tap away in your Klarna app.

Klarna Pools
Sit back and enjoy the overview.

Save and manage your money where you shop—in the Klarna app. Easily follow all your money's ins and outs with the Financial Overview. With a few taps, set budget limits, track your spending over the months, analyze expenses, and save with confidence. Money in. Money out. Money managed.

Questions? We have the answers.

To create a Pool, you must have a Klarna Bank Account. If so, access your Klarna Bank Account in the Klarna app, under Bank & Card, and press the “Create new Pool” button.

There is no limit on the number of Pools you can create, but you can’t have more than 3 open Pools at the same time.

Go to the Pool details screen and then to the settings page of the Pool. There’s an option there to close the Pool. All money you have in the Pool needs to be moved to your main account before the Pool can be closed.

No, it’s free.

Go to the Pool details screen to access the Goal setting view. You can set the amount you want to save and by which date you want to have it.

Nothing. While we encourage you to commit to and reach your goals, it’s there to help you save money.

You can set Rituals to automate saving actions. They can be toggled on or off whenever you want in the app. Just go to the Pool details screen to edit or turn off any active Rituals.

When a ritual is on, it will automatically move money from your main account to your desired Pool. You’re able to customize how often it’s executed and how much money will be transferred.

Each ritual works differently. There’s a description of what each one does and how to set it up. For example, the Round-up rounds up your card purchases and deposits the remainder into a Pool (if you pay 3,70€, rounding up will transfer 0,30€ to your Pool).

No money will be moved to your Pool. To keep your savings flowing, always remember to top up your Klarna Bank Account.

Go to the Pool details screen and press the “Send” button at the bottom. Your money will be moved to the main account and ready to use.

Klarna Bankkonto

Klarna Pools

Your savings habit builder.

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