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Klarna Brokers 2025

Written By

Jemma Grist

Written By

Jemma Grist

Jemma is a writer, editor and fact-checker focused on retail trading and investing. Jemma brings a unique perspective to the forex, stock, and cryptocurrency markets and works across several investment websites as a researcher and broker analyst.

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Edited By

James Barra

Edited By

James Barra

James is an investment writer with a background in financial services. As a former management consultant, he has worked on major operational transformation programmes at prominent European banks. James authors, edits and fact-checks content for a series of investing websites.

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Fact Checked By

William Berg

Fact Checked By

William Berg

William contributes to several investment websites, leveraging his experience as a consultant for IPOs in the Nordic market and background providing localization for forex trading software. William has worked as a writer and fact-checker for a long row of financial publications.

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Updated

Jun 5, 2024

Klarna Bank AB, or Klarna, is a payment solution from Sweden. Its famous tagline ‘shop now pay later’ helped it handle around $80 billion in online sales in 2021. The brand is also receiving support from a growing list of trading brokers. This review explains how Klarna works, typical payment limits, and late fees.

We also list the top brokers that accept Klarna deposits in 2025.

How Did We Choose The Best Klarna Brokers?

To identify the top Klarna brokers, we:

What Is Klarna?

Klarna Inc is a Swedish fintech company with headquarters in Stockholm alongside a HQ in Columbus, Ohio for its US branch. The firm was founded in 2005 and quickly went on to become one of the most popular online payment methods, rivalling alternatives like Afterpay and Affirm.

Importantly, the brand is known as a ‘buy now pay later’ service provider. It offers credit to customers who must then either pay in 4 steps, pay in 30 days, or receive a longer-term loan. Clients may also be offered a 10-day extension if required, which has helped improve its investor and customer relations.

The payment solution is simple to use and it’s easy to learn how to apply for an account. Customers can sign in through the mobile app (available on iPhone and Android) or via the official website. All that is required to register and login online is a valid email address.

Uses

You can use Klarna to pay in-store at a business for anything like a mattress, flights and hotels. Amazon also accepts payments on its site, as do other popular merchants and stores like Game, Nike and Ikea. For a comprehensive list of stores that accept Klarna, visit their official website or look for the logo on retailers’ websites.

Klarna is also becoming a popular payment option for traders. It is a quick, easy and secure method of making deposits at a range of brokers in the UK and around the world, including FXCM and IC Markets. It also has the benefit of providing credit, meaning traders do not have to wait for wages to come in.

Note, if traders encounter issues while using the service or need help, they should contact the customer support number.

Transaction Times

It typically takes one to two days for a payment to be processed, however, in some situations it could take up to seven business days for the payment to show on your account statement. If it takes longer, it could mean the transaction service is down, and you should check recent news or contact the telephone number for support.

Importantly, Klarna is a ‘buy now pay later’ service. This means that you will not pay for the entire product or deposit in one go. There are multiple options with different time frames. Firstly, you can choose ‘pay in 4’ which requires you to pay 25% upfront and then three more payments of equal amounts every two weeks. Another option is ‘pay in 30’, which requires the full sum to be paid within 30 days. Finally, you can apply for a loan which must be repaid within six months to three years.

If you are using Klarna to make a deposit at a broker, it should be processed within one to two days like a standard transaction. There may be a delay on the broker’s end, so check their website for standard processing times. You should be able to choose from the three options when making the deposit and the amount will then have to be paid back accordingly. Klarna cannot be used to make withdrawals, however, another service by the company (Sofort) is suitable.

Pricing Review

Different payment options feature varying fees. The ‘pay in 4’ and ‘pay in 30’ choices both have a 0% interest rate. But if you are late making payments, there is a $7 surcharge.

The other option is to apply for a loan that must be repaid within six months or up to three years. This will be subject to interest of varying rates, which will be outlined when you make the payment. Loans must be repaid according to the monthly financing plan and any late payments will be subject to a $35 fee.

The company may offer deals or promo codes to help you out when you first sign up. It is also worth noting that the payment provider has no pre-defined spending limit.

Importantly, most online brokers will not charge additional fees when making a deposit using Klarna. But remember, if you are late making payments, fees may be charged. Moreover, if you choose the loan option to pay for your deposit, interest will be charged.

Security

Klarna is a secure deposit method that is trusted by millions of users, including traders and investors. Even though you must enter your online bank details to make payments to Klarna, this is done via their secure payment form. This ensures merchants, brokers or third parties cannot gain access to and view sensitive information. The company also employs high security standards to ensure personal data and information is protected.

From the accounts section, the brand makes it easy for users to track and view payments, meaning traders can quickly see if someone else has accessed their account. For further reviews of the firm’s security protocols, visit sites like Reddit.

Pros For Traders

The main advantages of trading with Klarna include:

Cons For Traders

Our research did flag some potential drawbacks:

How To Deposit Using Klarna

It is simple to make a deposit at your broker. At eToro, for example, you will need to follow these steps:

1. Head to the ‘Deposit Funds’ page after logging in to your account
2. From the list of options, choose Klarna
3. Enter the amount you wish to deposit and the currency
4. You will then be directed to the payment portal where you can enter your account details
5. Select your preferred payment plan from the list of options
6. Hit confirm and then make payments to Klarna when required

Is Klarna Good For Day Trading?

Klarna is a popular ‘buy now pay later’ payment method originating in Sweden, but servicing clients in many countries around the world. Customers can choose between three different options to pay back the sum of their deposit or purchase. The two short-term options are interest-free, but late fees will be incurred if payments are missed. If you want to start using Klarna to make a deposit on your trading platform, check out our list of supporting brokers and follow our step-by-step guide.

Note, borrowing funds to pay for trading activities is risky. Make sure that you can and will be able to pay back funds.

FAQ

What Are The Best Brokers That Accept Klarna?

Several leading brokers offer payments using Klarna, including eToro, which offers secure and free deposits. We recommend using our list of top Klarna brokers to find the best option in your location.

Is Klarna Legit And Safe For Day Trading?

Yes, Klarna is a legitimate company. It has been operating since 2005 and accounts for 40% of all e-commerce in Sweden. Even though customers must enter online bank details, it is all conducted via the brand’s safe and secure form ensuring third parties cannot access personal information.

How Long Do Deposits To Klarna Brokers Take?

Klarna deposits are usually processed in one to two days, though processing times at the broker may differ depending on your location. This is slow compared to other payment solutions with instant processing. That said, you can benefit from Klarna’s flexible payment options.