Klarna
Swedish fintech giant offering buy-now-pay-later, banking, and flexible payment solutions across Europe
Rating breakdown
Pros
- Full Swedish banking license with €100k deposit protection
- Available across most of Europe with localized apps
- Interest-bearing current account and flexible payment options
Cons
- Primarily a payments/BNPL company — limited traditional banking features
- BNPL model can encourage overspending if not managed carefully
- Not a full-service bank — no mortgages, investments, or lending products
Platform & features
Available on
Key features
Availability
Languages
Available in 12 countries
Similar platforms
Global digital bank with 70M+ customers and 12M in UK — banking, trading, crypto, savings all-in-one
Global money transfer and multi-currency account — 74% of transfers arrive in under 20 seconds
Award-winning UK digital bank with AI spending insights, no-fee foreign spending, and FSCS protection
Europe's leading mobile-first bank with free and premium plans across 24 markets — simple, beautiful banking
Investing involves risk. You could lose some or all of your money. Capmap provides educational information only, not financial advice. Always do your own research before investing.
Last verified: 23 March 2026. Data confidence: high. Full risk disclaimer