How does Klarna's Send Money work?

You can send and receive money instantly with other Klarna users using your Klarna balance. You can transfer money to friends, family, or anyone with a Klarna balance account, all within the app.

All transfers are instant and cannot be reversed, so only send money to people you know and trust.

Good to know:

You must have sufficient funds in your Klarna balance to fund the transaction.
Transfers can only be made in your currency.
Transfers can only be made if both the recipient and the sender are in the same country.

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Copyright © 2005-2026 Klarna. Klarna Financial Services UK Limited is authorised and regulated by the Financial Conduct Authority (“FCA”) for carrying out regulated consumer credit activities (firm reference number 987889) and the provision of payment services and the issuing of electronic money under the Electronic Money Regulations 2011 (firm reference number 1021834). Klarna Financial Services UK Limited offers both regulated and unregulated products. Klarna’s interest free and pay up to 12 months Financing agreements, Pay in 3 instalments and Pay in 30 days agreements are not regulated by the FCA. Incorporated in England (company number 14290857), with its registered office at 10 York Road, London, SE1 7ND.

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