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
Verified active. Klarna Financial Services UK Limited holds a current licence issued by the Financial Conduct Authority on 28 July 2025. The entity is authorised to conduct three core activities: distribution and redemption of electronic money, issuance of electronic money, and safeguarding of customer funds. Licence reference 1021834 confirms the scope of permitted operations under FCA oversight.
The register records no EEA passporting registrations. Klarna Financial Services UK Limited operates solely within its home jurisdiction and has not notified any host state regulators of a cross-border service intent as at the last cross-check.
Data note: the entity's authorisation continues on the FCA register with operational status active. This profile reflects the register position as verified against the FCA Financial Services Register. Reference 1021834, active status, FCA regulator.
Authorised activities (PSD2 / EMD2)
Payment-services activities KLARNA FINANCIAL SERVICES UK LIMITED is permitted to carry out under its licence, as recorded in the register.
- Distribution and redemption of electronic moneyEMI_DISTRIBUTION
- Safeguarding of customer fundsSAFEGUARDING
- Issuance of electronic moneyEMI_ISSUANCE
Frequently asked questions
- Is KLARNA FINANCIAL SERVICES UK LIMITED a licensed e-money institution?
- Yes. KLARNA FINANCIAL SERVICES UK LIMITED holds EMI authorisation from Financial Conduct Authority in United Kingdom, licence reference 1021834. Its authorisation is currently active and is cross-checked against the FCA Financial Services Register.
- Who regulates KLARNA FINANCIAL SERVICES UK LIMITED?
- KLARNA FINANCIAL SERVICES UK LIMITED is authorised and supervised by Financial Conduct Authority in United Kingdom. Its e-money licence and current status are listed on the FCA Financial Services Register at register.fca.org.uk.
- What is KLARNA FINANCIAL SERVICES UK LIMITED's licence or FRN number?
- KLARNA FINANCIAL SERVICES UK LIMITED's licence reference number is 1021834. Enter it on the FCA Financial Services Register at register.fca.org.uk to confirm the institution's identity and that its authorisation is in force.
Sourced from the FCA Financial Services Register and the EBA EUCLID register; cross-checked daily.
Other licensed institutions in United Kingdom
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