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. 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 Klarna Personal account is a secure 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 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. 1.

   At checkout, choose your Klarna Personal account as your payment method if you have enough money in your Klarna Personal account.

2. 2.

   Pay in stores or online with your Klarna Card using money in your account.

3. 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.

Once you have upgraded your Personal account with Klarna Card, deposits are held at WebBank, Member FDIC, and are eligible for pass-through coverage up to $250,000 when conditions are met.

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 Accounts & cards

2. 2.

   Select your Main account

3. 3.

   Tap the Settings icon

4. 4.

   Select Close your Klarna Personal account 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'll 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.