One account. Endless possibilities.
Add money in the Klarna app and pay flexibly, everywhere¹ with your Klarna bank account². Plus, get instant refunds, cashback, and interest on your savings.³
Your money, working harder
Your money, working harder
How to open a bank account
1. Go to app
Open the Klarna app and go to "Accounts and cards" to set up your bank account.
2. Activate your bank account
Set up a bank account for free, in minutes.
3. Add money
Add money to your bank account with your card or via bank transfer.
Security comes as standard
Klarna is a licensed Swedish bank. Your funds are held to the highest banking security standards, with multiple layers of protection.
Built-in security for your money and data.
Insured up to 1 150 000 SEK
Secure logins and fraud protection.
Frequently asked questions
Questions about a Klarna bank account? Find your answers here. For any further help or troubleshooting, please contact customer service.
To be eligible for a Klarna bank account 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 personal account in the Klarna app in just 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 paid 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 personal account in the Klarna app is a secure bank account for adding and storing money, paying for purchases, and receiving faster refunds. Add money from your external bank or card, 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. Go to Accounts and cards
2. Tap Klarna personal account, then Send
3. Follow the instructions
You can pay in three ways:
- 1.
At checkout, choose your Klarna personal account as your payment method if you have enough money in your Klarna personal account.
- 2.
Pay in stores or online with your Klarna Card using money in your account.
- 3.
For existing Klarna purchases, go to Payments in the Klarna app, 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 personal 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 SEK 1,150,000 (about EUR 100,000). The National Debt Office will make the compensation available for payment within 7 business days of the date the right to compensation commenced.
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.