Buy bitcoin with Klarna

What is Klarna?

Klarna is a Swedish bank whose checkout is widely offered by German online merchants. Its pay now option moves money straight out of your bank account: you pick your bank, sign in with your normal online banking credentials and confirm with a TAN, which is the service that used to be sold separately as Sofortueberweisung and now carries the Klarna name. Klarna Bank AB (publ) is authorised as a credit institution by Sweden's Finansinspektionen and is registered with BaFin to provide cross border financial services in Germany, from an office at Chausseestrasse 117 in Berlin. You now need a Klarna account to use the bank transfer option, and the merchant decides whether it shows you that option alongside direct debit, card and pay later credit.

Speed

Your bank approves the transfer during checkout and the merchant is notified straight away, so a deposit is confirmed in minutes rather than the next banking day.

Cost

Klarna charges the buyer no interest and no fees on its pay now methods, including the bank transfer option; the merchant pays the cost instead.

Speed and cost describe the rail itself. What an exchange adds on top varies by platform and is shown per exchange below.

Using Klarna in Germany

Klarna appears in one country guide on this site, Germany, where deposits settle in Euro (EUR). Buyers there fund exchange accounts with SEPA transfer, SEPA Instant, Credit or debit card, Sofort and others as well, and the country guide ranks the exchanges that take each one.

Buy bitcoin with Klarna in Germany