1 of the 80 exchanges we track accept Klarna deposits, ranked by CWR Score. The list below is checked against your country.
Every exchange below lists Klarna among its deposit methods in the CryptoWinRate database. The list checks each venue's restricted-country list against your location. Change it if we got it wrong.
Pick a different country above, or browse all reviews.
Also accepting Klarna, but restricted in your country: Bitpanda,
Klarna is a Swedish payments company and licensed bank. It offers several ways to pay at checkout: pay in full from your bank account, split a purchase into interest-free instalments, or pay later. The instalment and pay-later products are consumer credit, and Klarna is regulated as a bank.
Paying a crypto exchange with Klarna means the pay-now option in practice, a direct payment from your own bank account. You approve the transfer through Klarna’s flow, and you don’t hand your card details to the exchange. There’s no chargeback on a bank payment you authorised, and Klarna’s credit products exclude cryptocurrency, so you can’t split a crypto purchase into instalments.
The list at the top of this page shows the exchanges that accept Klarna.
Klarna was founded in Stockholm, Sweden, in 2005, with the aim of making online payments simpler and safer. The parent Klarna Group was formed in 2014. It grew into a licensed bank, Klarna Bank AB, and expanded to 45 countries, working with over 575,000 retailers and reaching tens of millions of users. By 2022 it held roughly 70% of the buy-now-pay-later market in Europe.
In late 2025 Klarna launched KlarnaUSD, a dollar-backed stablecoin, and it has begun piloting embedded crypto wallet features. For someone paying with Klarna today, the product that matters is still the immediate bank payment, which sits behind everything else.
Klarna doesn’t offer in-app crypto trading or a brokerage to retail customers in any of its markets. So you can’t buy or hold coins inside the Klarna app in the ordinary sense.
Its terms don’t stop you from using Klarna to fund a licensed crypto exchange, and the pay-now bank payment is the route that fits. Klarna’s own risk stance treats its credit products as a poor match for volatile assets, so don’t expect instalments on a crypto purchase.
On its own side, Klarna has launched KlarnaUSD, a dollar-backed stablecoin, and is testing embedded wallet features with a partner. These are aimed at building crypto into its own products rather than offering a place to trade.
The steps are much the same wherever Klarna is accepted.
A Klarna pay-now payment is a direct bank debit, so the deposit usually credits within minutes. A few things can slow it down. The first payment from a new account may take longer while Klarna runs its checks. Weekends and bank cut-off times can push a transfer to the next working day, depending on the underlying rail. If a payment is flagged or fails, it won’t arrive until you sort it out and try again.
On a pay-now payment Klarna charges you no interest. Its longer-term financing plans carry an APR of 0% to 35.99%, and missed payments on the shorter instalment plans can trigger late fees, but those credit products don’t apply to crypto anyway. Klarna states no specific per-transaction fee for crypto use.
The exchange may add something on top, such as a deposit fee or a wider price on an instant buy. The way to see the real cost is to read the total the exchange shows you before you confirm, not the coin’s market price.
An instalment plan is a fixed obligation. The asset it bought is not. It can be worth less next month, and the payments do not adjust. That asymmetry is the whole problem, and it does not depend on being right about the market.
Lenders know this, which is why cryptocurrency sits on the excluded list for most consumer credit products. It is also why card issuers treat crypto purchases as cash advances rather than retail purchases.
If the money for a deposit is not money you already have, the deposit is the problem rather than the payment method. That is worth saying plainly on a page about a buy-now-pay-later brand.
The venues that accept Klarna are listed at the top of this page. Compare them on a few things. Look at the total cost each one shows before you confirm, since that’s where the real price sits. Check how long account verification takes. See whether you can withdraw back to Klarna or whether you’ll need another method to cash out. Check which coins each one lets you buy. And look at the exchange’s security record before you trust it with a payment.
No. Klarna’s terms exclude cryptocurrency from its credit products, so the option available at a crypto venue is the immediate bank payment.
Yes. You pay from a bank account in your own name, and exchanges expect the name on the payment to match the name on the account. Paying from someone else’s account will usually cause the deposit to be rejected or held.
Usually not. Klarna doesn’t natively support payouts to users, so you’ll normally need a separate method, such as a bank transfer, to take money out.
No. It’s a bank payment you authorised, so there’s no chargeback, and the crypto purchase itself is irreversible once done.
The deposit simply won’t arrive, and you can fix the problem and try again. A first payment from a new account may be delayed while Klarna runs its checks.
A plain bank transfer from the same account reaches far more venues and usually costs less.
