Neobanks

Neobank · SE

Klarna

Stockholm, Sweden · klarna.com

✦ Sentiment OverviewUpdated weekly · Jul 17, 2026

Klarna commands strong customer approval (4.6/5 across nearly 3M ratings) reinforced by a sharp media pivot toward capital-expansion narratives—three consecutive headlines celebrating securitization and lending capacity growth. The sentiment index spike (+24.8 points to 94/100) reflects alignment: customers and press both emphasize operational efficiency and growth momentum, with no discernible divergence between review standing and headline tone. Capital-raising success appears the dominant driver reshaping perception this week.

Sentiment index

our score · updated weekly
90.1/100
-4.19 vs last week
Reviews · 2,966,611 ratings89
News95
Mentions

Where Klarna operates

19 markets
Sweden United Kingdom Germany United States Netherlands Austria Finland Denmark Norway Belgium Italy Spain France Poland Australia Canada New Zealand Ireland Switzerland

Ratings across platforms

4.6 avg · 3.0M ratings · 3 platforms
Trustpilot
4.5
557K ratings · 80% positive
Google Play
4.5
1.8M ratings · 89% positive
50M+ installs
App Store
4.7
561K ratings · 94% positive

Rating distribution

All platforms
5
75% · 2.2M
4
14% · 403K
3
4% · 114K
2
1% · 42K
1
6% · 183K

Company responsiveness

97%
Replies to reviews
~3 days
Typical reply time

In the media

brand coverage
ffnews.com

Klarna Secures $518 Million Securitization to Fuel $12 Billion in New Lending Capacity

ffnews.com · 4d ago

Klarna completes a $518M Significant Risk Transfer to support $12B in new lending, boosting capital efficiency for its global digital...

www.citybiz.co

Klarna Completes $518 Million Securitization to Expand Lending Capacity

www.citybiz.co · 4d ago

As consumer demand for flexible payment options continues to grow, fintech lenders are increasingly turning to capital markets to fund new...

www.crowdfundinsider.com

Fintech Klarna Expands Capital Efficiency Initiative Into Germany With New Financing Deal

www.crowdfundinsider.com · 4d ago

Klarna (NYSE:KLAR), which is now a key player in digital banking and flexible payment solutions worldwide, has taken a significant step to...

seekingalpha.com

Klarna Proves Their Successful Fintech Acquisition Model - Value Thesis Still Compelling

seekingalpha.com · 4d ago

Klarna benefits from maturing Fair Financing cohorts, low-cost deposit funding, richer NII, and prudent risk underwriting.

sifted.eu

This founder sold his startup to Klarna for €110m. Now he's raised €12m to build again

sifted.eu · 6d ago

Munich-based AI tax and accounting startup Skalar has raised €12m in combined pre-seed and seed funding.

Latest from social

LinkedIn & Facebook

What people are saying

Sample
Sam Okoro@samokoroX· 3d ago

Been using Klarna for 6 months now — the app just works. Transfers land instantly and support actually replies.

Nora LindqvistFacebook· 5d ago

If you're comparing neobanks in 2026, Klarna keeps coming up in every conversation I have.

Chris Whitfield@chriswhitfieX· 1w ago

Great thread on how Klarna is rethinking cross-border payments. Worth a read for anyone in fintech.

Priya Nair@priyanairX· 1w ago

Anyone else having issues with Klarna verification today? Been stuck for hours 😤

Daniel KimFacebook· 2w ago

Klarna's customer service left me hanging on a frozen account. Not a great look.

Company

Founded2005
HeadquartersStockholm, Sweden
OwnershipPrivate
LicensesSwedish FSA (banking licence), FCA (UK), Various EU licences
Available in19 markets

Frequently asked questions

Is Klarna a bank?

Yes. Klarna holds a banking licence from the Swedish Financial Supervisory Authority (Finansinspektionen). In Sweden and Germany, it offers savings accounts with deposit protection. In other markets, it operates as a payment institution.

How does Klarna's Pay in 3 work?

Klarna's Pay in 3 splits your purchase into 3 equal instalments paid over 60 days. The first payment is at checkout, then every 30 days. There is no interest in most markets, though late fees may apply.

Does Klarna affect my credit score?

Klarna performs a soft credit check for most products (no impact), but a hard check for its financing products. Missed payments can be reported to credit bureaus and affect your credit score.

What is the Klarna Card?

The Klarna Visa card lets you pay anywhere Visa is accepted and choose to pay immediately or use BNPL after the fact. Monthly fee applies in some markets.

Is Klarna available in the US?

Yes. Klarna operates in the US offering Pay in 4, Pay in 30, and monthly financing options. The Klarna Card is also available in the US.

Ratings & sentiment aggregated from Trustpilot, Google Play and App Store — anonymised store metrics only, no individual reviews.