One account. Endless possibilities.

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 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.

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 that lets you transfer and hold money, pay for purchases, and receive refunds faster. Transfer money from an external bank account or debit card, earn cashback, and use your balance to pay for future purchases.

Tap Transfer money on the home screen of the Klarna app. Top up your balance using your preferred payment method, or set up automatic top-ups on a schedule that suits you.

You can withdraw funds to your connected bank account or connected debit card in your name.

Withdraw to a bank account:

1. 1.

   Go to Accounts & cards

2. 2.

   Tap Klarna personal account or Main account, then Send

3. 3.

   Follow the prompts to connect an account

Processing can take up to 3 business days.

Withdraw to a connected card:

1. 1.

   Go to Accounts & cards

2. 2.

   Tap Klarna personal account or Main account, then Send

3. 3.

   Select Push to card

4. 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: 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.

Get all your refunds paid straight into your personal account, whichever Klarna payment method you choose. Faster refunds are enabled by default, so your money is available as soon as the retailer has processed your refund. To change your preferences, go to Accounts and cards, open Settings, and tap Faster refunds. Update your refund preferences in the app at any time.

Your personal account is covered by the Swedish deposit guarantee scheme under a decision by the Swedish National Debt Office. The maximum compensation per customer is SEK 1,150,000 (approximately EUR 100,000). The National Debt Office ensures that compensation is made available for payment within seven working days of the date on which entitlement to compensation takes effect. Find out 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.

1. 1.

   Go to Wallet

2. 2.

   Tap Klarna personal account and open Settings

3. 3.

   Select Close balance and follow the instructions

Your balance must be exactly 0. All transactions, payments, and refunds must be fully processed before you close your balance. All flexible and fixed-term deposit accounts must be closed first.

Good to know: You will no longer have access to your Klarna personal account and statements in the app. However, you can reactivate your Klarna personal account after 90 days.