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FINANCIAL INSTITUTION INFORMATION PLATFORM

Review verifiable information about forex brokers, banks, fintechs, crypto exchanges and payment providers in one place.

Verify with the source.Wherever possible, information is matched against official registers and primary sources.
When was it checked?We clearly show when each critical piece of data was last checked.
Know the type of information.We classify user complaints, company statements and official records separately.
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HOW IT WORKS

See the level of evidence
on every institution profile.

Instead of ratings, we show the data, its source and its verification status.

  1. 01Data
  2. 02Source
  3. 03Verification
A

Sample Financial Institution

Broker · United Kingdom

Last checked: 23.09.2026
REGULATIONOfficial record verified

The licence number and scope are matched directly against the regulator’s source.

● Official source
USER FEEDBACKRecurring topics

Topics such as withdrawals, support and trading conditions are grouped by period.

● Verified platform record
COMPANY STATEMENTData disclosed by the company

The company’s own statements are shown separately from independent verification.

● Statement
← Home

Klarna

E-money institution · United Kingdom

About the company

Legal company nameKlarna Financial Services UK Limited · Klarna Group plc
Year founded2005
Headquarters / registered countryLondon, United Kingdom
Websitewww.klarna.com/uk/
Last checked08.10.2026

According to its official website, Klarna is a digital payments and banking company founded in Stockholm in 2005 by three entrepreneurs under the name Kreditor and renamed Klarna in 2010; the group's parent Klarna Group plc listed on the New York Stock Exchange (NYSE: KLAR) in September 2025. In the United Kingdom, services are provided by Klarna Financial Services UK Limited (company no 14290857), based at 10 York Road, London. According to the Klarna balance and Klarna Card terms, this company is authorised by the FCA for consumer credit activities under FRN 987889 and for payment services and the issuing of electronic money under FRN 1021834; funds added to the balance are safeguarded under the rules for electronic money institutions. Individual customers are offered pay in 30 days and pay in 3 for in-store and online shopping (regulated as deferred payment credit from 15 July 2026), instalment financing, a Klarna balance topped up by debit card, the Klarna Card usable wherever Visa is accepted, cashback, monthly paid membership plans and buyer protection; everything is managed in the Klarna app. The site cites 120 million users and 1.2 million merchants. This information is the company's own statement.

Account Details

ACCOUNT TYPESIndividual customers
MIN. DEPOSITNot stated
PLATFORMSKlarna app (iOS, Android) · Website · Klarna Card (Visa)
PRODUCTSPay in 30 days and pay in 3 · Instalment financing · Klarna balance (e-money account) · Klarna Card · Cashback · Membership plans

Licences and regulation

FCA (United Kingdom)

Licence no.FRN 1021834
Licence holderKLARNA FINANCIAL SERVICES UK LIMITED
ScopeListed in the FCA register as an Authorised Electronic Money Institution under KLARNA FINANCIAL SERVICES UK LIMITED (FRN 1021834) since 28 Jul 2025.
StatusVerified

FCA (United Kingdom)

Licence no.FRN 987889
Licence holderKlarna Financial Services UK Limited
ScopeListed in the FCA register under Klarna Financial Services UK Limited (FRN 987889); status Authorised since 23 Nov 2023. It holds permissions to act as lender under regulated consumer credit agreements.
StatusVerified

User complaints

User reports found online are classified by topic. The charts show how reports are distributed; the reports are compiled from records on platforms that verify users and screen out fake reviews.

Period reviewed: October 2025 – October 2026

  • Other: 38
  • Withdrawal / payment: 28
  • Account / trading conditions: 22
  • Customer support: 8
  • Identity verification: 3

No. 81 for most complaints among the 532 institutions with complaint records (918 institutions listed on the site).

RANK BY TOPIC — Other: 3. · Withdrawal / payment: 141. · Account / trading conditions: 216. · Customer support: 163. · Identity verification: 186.

SOURCES REVIEWED

The complaint distribution is based on the latest 1-star reviews on Klarna's Trustpilot page (99) as of 8 October 2026; one person's reviews count once, and records about fake sites and third parties using the Klarna name are left out. Across the complaints, a slow app and login problems, problems with refunds and automatic payments, and spending limits and membership fees stand out.

Sources and verification history

Official company sourcesklarna.com — UK homepage, Klarna balance, terms and conditions page, Klarna balance and Klarna Card terms (cdn.klarna.com), about us (klarna.com/international/about-us); docs.klarna.com UK marketing and legal guidelines
Regulator recordsFCA — KLARNA FINANCIAL SERVICES UK LIMITED, FRN 1021834 (register.fca.org.uk) · FCA — Klarna Financial Services UK Limited, FRN 987889 (register.fca.org.uk)
Company registerCompanies House — KLARNA FINANCIAL SERVICES UK LIMITED, company no 14290857, incorporated 11 Aug 2022
User feedback sourcesTrustpilot · Şikayetvar · WikiFX
Last verified08.10.2026

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