Klarna Card
Free Visa debit card with no foreign currency fee, ideal for online shopping.
Score: 9.0 / 10 · Excellent
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?
The card is particularly suited to online shopping. Its strengths lie in travel and use abroad 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: 9.0 / 10 · Excellent
| Costs (30 %) | 10.0 / 10 |
|---|---|
| Foreign currency (18 %) | 10.0 / 10 |
| Cash worldwide (14 %) | 10.0 / 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
- Flexible repayment via Klarna
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. Cash withdrawals are free of charge worldwide. Billing: Immediate deduction from the current account on each payment.
Redirect to provider · non-binding
This card in our comparisons: Free Credit Cards · Travel Credit Cards · Debit Credit Cards · Student Credit Cards
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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.