KLARNA FINANCIAL SERVICES UK LIMITED

Headline 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 2026·Source ↗

About this institution

Dated events for KLARNA FINANCIAL SERVICES UK LIMITED, from the register record and this directory’s daily cross-checks. Status changes are recorded as they are observed.

1. 02 Oct 2026

   Cross-checked against the Financial Conduct Authority register

   Automated daily verification of licence status and reference.

2. 06 Jul 2026

   First verified and added to this directory

3. 28 Jul 2025

   Licence granted by the Financial Conduct Authority

Position in the United Kingdom register

KLARNA FINANCIAL SERVICES UK LIMITED is one of 474 e-money institutions on the United Kingdom register, 289 of which are currently active. Its licence is the 257th oldest of the 287 dated United Kingdom EMI authorisations, one of 19 granted in 2025.

Is your money safe with KLARNA FINANCIAL SERVICES UK LIMITED?

KLARNA FINANCIAL SERVICES UK LIMITED holds an e-money authorisation from Financial Conduct Authority, which means client money must be safeguarded: held separately from the firm's own funds at a credit institution, or covered by an equivalent insurance policy. E-money is not a bank deposit - it is not covered by the FSCS, so there is no automatic compensation payout if the firm fails.

If an authorised EMI becomes insolvent, safeguarded funds sit outside the insolvency estate and are returned to customers by the administrator - repayment can take time, and administration costs may be deducted along the way.

How e-money safeguarding works → Verify on the register →

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.

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