RelatedSwedenZero Min DepositOnline OnlyFast Approval

Klarna BankKlarna 银行

Sweden 数字银行 Fully online Permit holders ★ 4.1
Open account ↗
Minimum depositNo initial deposit
Monthly feeNo monthly fee
Minimum balanceNo minimum balance
How to apply—
Processing timeOnline 5-10 min
Institution typeDigital Bank
Data baseline 2026-10. Editor-verified, but rules change — confirm with the official site before applying. Data transparency →

About this bank

Advantages

  • Swedish digital banking license, BNPL pioneer
  • Great app, Swedish IBAN and Swish
  • No monthly fee, all-in-one installments and budgeting

Things to note

  • Relies on BankID, non-residents need coordination number
  • No mortgage or complex corporate products
  • Credit limits depend on personal record

Documents required

  • Passport or EU ID
  • Personnummer or coordination number
  • Swedish phone number (BankID)

Fully online, done in minutes; obtain a local tax/ID number first

Opening offers & benefits

Standing benefits

These are stable, standing account benefits (not time-limited) — available as long as you qualify:

No Monthly FeeNo Min DepositFully OnlineDigital BankFast Approval
Bank offers change frequently by region and quarter. Checked 2026-10; follow the bank's official promo page.

FAQ

Ready? Open your account

Having documents ready lowers the chance of rejection; policies change, so confirm with the bank before applying.

Open account ↗ Some links are affiliate (commission) links; this does not affect our objective assessment.

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