A leading global BNPL and shopping wallet, widely supported at EU/US online and offline merchants, offering installments, pay-later and rewards.
!Klarna holds a European banking licence, but its BNPL and wallet balances are regulated payment/e-money services, not traditional insured deposits; protection depends on product and country.
Limited. Mostly EU/US; foreigners generally need a local card and billing address; tourists rarely qualify.
No set minimum; BNPL assessed per order｜Usually interest-free installments for buyers; late fees may apply; merchants pay separate fees; FX fees on cross-border.
Spend limits by credit assessment and country — shown in app
Limited. Mostly EU/US; foreigners generally need a local card and billing address; tourists rarely qualify.
Local bank account: Installments need a linked local card; Klarna card/account per country. Items typically needed: Email; Local card; Billing address (some countries).
Typically: Email; Local card; Billing address (some countries).
How to sign up: Online/app — register, link card, choose Klarna at checkout (Minutes to register; instant credit check). Steps: 1) Register in the Klarna app/site 2) Link a local card 3) Pick Klarna at checkout 4) Repay on time Fees: Usually interest-free installments for buyers; late fees may apply; merchants pay separate fees; FX fees on cross-border.
Spend limits by credit assessment and country — shown in app
E-wallet rules change often — always follow the latest instructions in the official app.