One account. Endless possibilities.

To be eligible for a Klarna Personal account you must:

1. 1.

   Be a U.S. resident with a valid U.S. address

2. 2.

   Be 18 or older with a valid ID

3. 3.

   Have a Social Security number or Individual Taxpayer Identification Number

4. 4.

   Have a phone number from the US, Mexico, or Canada

Good to know:

• No fee to sign up

• No minimum balance required

• Sign up for free in the app

• Earn Cashback rewards with a Klarna Personal account

For full details read our Klarna Personal account Terms & Conditions.

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:

1. 1.

   Go to Accounts & cards

2. 2.

   Tap Activate account

3. 3.

   Select Get started or Pick your card colour

4. 4.

   Enter your personal details and verify your identity when prompted

Good to know: If you're interested in getting the physical Klarna Card, you need a membership. However, 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 your funds to a connected bank account or card in your name:

1. 1.

   Navigate to Accounts & cards

2. 2.

   Tap Klarna Personal account and select Transfer/send

3. 3.

   Follow the prompts to transfer

If you're not offered the option to transfer, you'll need to upgrade in order to withdraw funds. Once upgraded, you can withdraw funds to your connected card or bank account. Follow the instructions in the app to link your bank account or card.

Good to know:

• Your bank account or card must be in your name.

• Processing can take up to 3 business days.

• Transfer fees, daily caps on the number of transfers and notice periods may apply.

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.