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Klarna profile

Who owns Klarna?

traditional · Stockholm, SE · Licensed bank · custody: Custodial

short answerKlarna holds its own banking licence, so Klarna itself is the bank — customer deposits sit on its own regulated balance sheet rather than with a third-party sponsor. Klarna's most notable disclosed backers include Sequoia Capital, Atomico, Silver Lake and Permira.

Is Klarna a licensed bank?

Yes — it holds its own banking licence. Licence detail: Swedish banking licence.

Where is your money held?

Custody model: Custodial — on Klarna's own balance sheet as a licensed bank.

Klarna runs on: WebBank (BIN sponsor bank) · Marqeta (card issuing processor). Full stack on the infra map.

Who's behind Klarna?

Klarna was founded by Sebastian Siemiatkowski, Niklas Adalberth, Victor Jacobsson (2005), headquartered in Stockholm, SE.

Early investors

Notable venture and strategic investors from Klarna's publicly disclosed funding rounds (Public (KLAR, 2025)).

Sequoia Capital ↗ Atomico ↗ Silver Lake ↗ Permira ↗ SoftBank ↗

Is my money safe with Klarna?

As a licensed bank, eligible deposits at Klarna are typically protected by the local deposit-guarantee scheme up to the statutory limit (for example FDIC in the US, FSCS in the UK, or the €100,000 EU scheme). Confirm the exact scheme and limit for your country.

go deeperSee the full Klarna profile with every verified field, or Klarna alternatives. Raw fields: data.json.

Figures compiled from public sources, for comparison only — not financial advice. "Up to" rates change constantly; always confirm with the issuer. Spotted an error? Suggest a fix.