# Klarna

> Klarna is a Swedish buy-now-pay-later and financial services company expanding into banking-like products.

Source: https://www.neobank.wiki/wiki/klarna
Last updated: 2026-08-11
Categories: Financial technology, Sweden neobanks, Payment platforms, Consumer neobanks, Companies founded in 2005

**Klarna** is a Swedish financial technology company best known for buy-now-pay-later (BNPL) checkout. It has expanded into shopping apps, cards and deposit products in selected markets, positioning as a consumer finance platform adjacent to [neobanks](/wiki/neobank).[^kl1]

## History

Klarna was founded in Stockholm in 2005 and became a global BNPL leader through retailer integrations. It later pursued banking licences and consumer-app engagement beyond checkout lending.[^kl2]

## Founders

**Sebastian Siemiatkowski**, **Niklas Adalberth** and **Victor Jacobsson** co-founded Klarna. Siemiatkowski has been the long-time chief executive and public face of the company.

## Licences

Klarna holds banking and credit licences in Europe that enable deposits and lending in certain jurisdictions, while BNPL remains the commercial core in many markets.

## Products

Products include pay-later and instalments at checkout, the Klarna shopping app, cards and savings/deposit offerings where regulated.

## Infobox

- **Type**: Private
- **Founded**: 2005
- **Founders**: Sebastian Siemiatkowski, Niklas Adalberth, Victor Jacobsson
- **Headquarters**: Stockholm, Sweden
- **Focus**: BNPL / consumer finance

## Frequently asked questions

### What is Klarna?

Klarna is a Swedish buy-now-pay-later and financial services company expanding into banking-like products.

### When was Klarna founded?

Klarna was founded in 2005.

### Where is Klarna headquartered?

Klarna is headquartered in Stockholm, Sweden.

### Who founded Klarna?

Klarna was founded by Sebastian Siemiatkowski, Niklas Adalberth, Victor Jacobsson.

### What type of company is Klarna?

Klarna is described as Private in its neobank.wiki profile.


## References

[^kl1]: Klarna is a Swedish BNPL and consumer finance company. — https://www.klarna.com/
[^kl2]: Klarna expanded from checkout lending into a broader consumer finance app. — https://www.klarna.com/