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Klarna balance
Tap into faster
payments and refunds
Open your balance for free, use it to pay in a snap, and get Klarna’s fastest refunds.
Pay in a tap, get refunds fast
Shopping just got better. Pay with your balance at all Klarna merchants, settle bills in a snap, and enjoy our fastest refunds.
How it works
Open your Klarna balance in minutes for free, add money instantly, and explore a new way to pay.
Instant top ups
Add money to your Klarna balance in seconds with your card.
Swift payments
Pay for purchases and manage your invoices—all on your schedule.
Returning something?
Get rapid refunds directly to your Klarna balance.
Sound good? It is
0€
Monthly fee
Swoosh
Lightning-fast refunds
100,000€*
Deposit guarantee amount
*The account is covered by the Swedish deposit guarantee scheme in accordance with a decision by the Swedish National Debt Office. The maximum compensation to each customer is SEK 1,050,000 (about EUR 100,000) and the National Debt Office will make the compensation available for payment within 7 business days of the date the right to compensation commenced. Read more
.The amount of compensation payable will be determined by the prevailing exchange rate at the time that the payment is made. By way of example, the amount of compensation that would be paid today equates to approximately 100,000€ but this figure may fluctuate over time.
Around-the-clock customer care
Got questions? Contact us anytime via chat in the app, or request a callback during business days. We're always here for you.
Questions?
You can find your Klarna balance right in the app. To sign up, we'll ask you to verify your identity—it's quick, and you can add money soon after.
Klarna Bank AB (publ), trading as Klarna, is authorised/licensed or registered by the Swedish Financial Supervisory Authority (Finansinspektionen) in Sweden and is regulated by the Central Bank of Ireland for conduct of business rules.
Please find our business terms here:
.Yes, you can sign up for free to Klarna balance.
Yes, you can use your Klarna balance when checking out with Klarna. For this, make sure you have money in your balance. You can add money from your bank account or with a card.
Yes. You can withdraw money anytime to a connected bank account held in your name.
The account is covered by the Swedish deposit guarantee scheme in accordance with a decision by the Swedish National Debt Office. The maximum compensation to each customer is SEK 1,050,000 (about EUR 100,000) and the National Debt Office will make the compensation available for payment within 7 business days of the date the right to compensation commenced. Read more
.The amount of compensation payable will be determined by the prevailing exchange rate at the time that the payment is made. By way of example, the amount of compensation that would be paid today equates to approximately EUR 100,000 but this figure may fluctuate over time.
A great place for your money
Set up your Klarna balance in minutes, right in the Klarna app.
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Klarna is available around the world with a variable offering, choose one that suits you best.
Copyright © 2005-2024 Klarna Bank AB (publ). Klarna Bank AB (publ), is authorised by the Swedish Financial Supervisory Authority in Sweden and is regulated by the Central Bank of Ireland for conduct of business rules. Please shop responsibly, 18+, ROI residents only, T&Cs apply. Credit subject to status.