Klarna
Klarna balance account and Klarna Card, from a Swedish licensed bank
Klarna is best known for pay-later shopping, and also offers Klarna balance: an in-app account you can spend with the Klarna Card, receive refunds and cashback into, and use to pay Klarna orders. It is provided by Klarna Bank AB, a bank licensed in Sweden. Optional paid memberships add interest on your balance and extra perks. This listing covers the balance account and card, not pay-later credit.
- Free to sign up; spend your balance with the Klarna Card
- Refunds and cashback paid into Klarna balance
- Optional memberships from €4.99/month
- Monthly fee
- Free to sign up · optional memberships €4.99 to €44.99/month
- Card
- Klarna Card (debit), linked to your balance
- Deposit protection
- Swedish deposit guarantee (see below)
- Available in
- Selected European markets; check availability in your country
- Minimum age
- 18+
- Note
- Pay-later products are credit and are not part of this comparison
Provided by Klarna Bank AB (publ), Sveavägen 46, 111 34 Stockholm, Sweden. Bank licence, regulated by Swedish Financial Supervisory Authority (Finansinspektionen), licence/register no. Org. no. 556737-0431. Klarna balance is covered by the Swedish deposit guarantee scheme, up to SEK 1,150,000 per depositor.
