One account. Endless possibilities.
Add money in the Klarna app and pay flexibly, everywhere with your Klarna bank account. Plus, get instant refunds, cashback, and interest on your savings.¹
¹ Account covered by the Swedish deposit guarantee scheme. Max. compensation per customer: SEK 1,150,000. National Debt Office makes compensation available within 7 business days from the date a right to compensation accrues. Read more here.
Your money, working harder
Your money, working harder
⁴ The provision of this service does not require licensing, registration or authorisation by the Central Bank of Ireland, and as a result is not covered by Central Bank of Ireland rules designed to protect consumers or by a statutory compensation scheme. Klarna Membership offered for a monthly fee. Cancel any time in the Klarna app. Exclusions, conditions, and limitations apply to membership benefits. Klarna Membership Terms apply.
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 SEK 1,150,000
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.
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. 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 connected bank account or connected debit card in your name.
Withdraw to a bank account:
- 1.
Go to Accounts & cards
- 2.
Tap Klarna personal account or Main account, then Send
- 3.
Follow the prompts to connect an account
Processing can take up to 3 business days.
Withdraw to a connected card:
- 1.
Go to Accounts & cards
- 2.
Tap Klarna personal account or Main account, then Send
- 3.
Select Push to card
- 4.
Follow the prompts and confirm
Good to know: You can transfer to debit cards that you've already used to add funds.
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, 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. Read more 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.