Klarna Card
Free Visa debit card with no foreign currency fee, ideal for online shopping.
Score: 8.6 / 10 · Very good
Rating: 8.0 / 10 · 5.210 reviews
Best for: Online shopping
Overview
The Klarna Card is a debit card from Klarna on the Visa network. Free Visa debit card with no foreign currency fee, ideal for online shopping. It comes with no annual fee on a permanent basis and also waives the usual foreign currency fee abroad.
Who is it for?
Our take: Online shopping. Its strengths lie in payments in foreign currency and mobile payments. It is issued without a German IBAN, so no additional checking account is strictly required. As a debit card, transactions are debited directly from your account.
How the score is calculated
Overall score: 8.6 / 10 · Very good
| Costs (30 %) | 10.0 / 10 |
|---|---|
| Foreign currency (18 %) | 10.0 / 10 |
| Cash worldwide (14 %) | 6.7 / 10 |
| Interest (10 %) | 7.5 / 10 |
| Cashback & bonus (10 %) | 0.0 / 10 |
| Features (6 %) | 1.8 / 10 |
| Community signal (12 %) | 8.3 / 10 |
Highlights
- €0 annual fee
- No foreign currency fee worldwide
- Virtual card available instantly
- Physical card only with membership (from €4.99/month)
Costs & Fees
| Annual fee | €0 |
|---|---|
| Welcome bonus | — |
| Eff. annual interest | — |
| Type | Debit card |
| Network | Visa |
| Issuer | Klarna |
There is no annual fee. You pay no surcharge abroad or in foreign currency. A fee of €2 per withdrawal applies to cash worldwide (1–10 withdrawals/month free, depending on plan). Billing: Immediate deduction from the current account on each payment.
Redirect to provider · non-binding
This card in our comparisons: Free Credit Cards · Debit Credit Cards · Student Credit Cards · Visa Credit Cards Compared
Related guides: Student credit cards in Germany: what matters · Virtual credit cards, Apple Pay & Google Pay · Foreign fee study 2026: what credit cards cost abroad
Similar credit cards
- Trade Republic Card – Debit card for the Trade Republic account with 1% Saveback into your savings plan.
- C24 Smart Debit Card – Free debit card with the C24 Smart account and fee-free payments worldwide.
- DKB Visa Debit Card – Popular debit card with the DKB account — free for active customers.
- Revolut Standard – Digital debit card with real-time exchange rates for travel and online payments.
Frequently asked questions
- What does the Klarna Card cost per year?
- The Klarna Card has no annual fee on a permanent basis — there are no fixed yearly costs.
- Does the Klarna Card charge foreign currency fees?
- No. With the Klarna Card you pay no foreign currency fee worldwide.
- Is the Klarna Card a genuine credit card?
- The Klarna Card is a debit card — transactions are debited directly from your account.
- Does the Klarna Card require a SCHUFA check?
- Yes, Klarna runs a SCHUFA credit check for the Klarna Card; a negative SCHUFA record can lead to rejection.
- How is money on the Klarna Card protected?
- Statutory deposit guarantee Sweden (Riksgälden), up to €100,000 (equivalent to SEK 1,050,000–1,150,000). Klarna Bank AB (publ) is a Swedish bank.