Profile rates
Data-derived · A is broadestThree named tiers comparing this institution against the rest of the European register.
- Reach
- DomesticTier D
- Scope
- SpecialistTier C
- Tenure
- NewTier D
No EEA passporting on record.
Authorised for 3 payment-services activities.
Authorised within the last year.
Pricing snapshot
Editorial · PersonalHeadline fees on the published free / standard plan, taken from the institution’s own fee schedule.
- Plan
- Personal
- Monthly fee
- Free
- Card issuance
- Free
- Free ATM / month
- n/a
- ATM fee
- n/a
- FX markup
- Mid-market on Klarna Card abroad
- SEPA transfer
- n/a
- SWIFT transfer
- n/a
BNPL-first; pay-now and pay-later options carry no consumer fee.
Verified 15 Apr 2026Source ↗
About this institution
KLARNA FINANCIAL SERVICES UK LIMITED is an Electronic Money Institution (EMI) registered in the United Kingdom. Its licence, number 1021834, was granted on 28 July 2025. The Financial Conduct Authority (FCA) regulates this EMI. KLARNA FINANCIAL SERVICES UK LIMITED is authorised to issue electronic money and provide payment services. These activities are conducted under continuous FCA oversight. This ensures ongoing compliance with UK financial regulations. Further details regarding specific services or business operations are not available from this licence extract. The licence status remains active as per the latest FCA records.
Reader notes
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