How to Buy Crypto with Klarna (Sofort)
A fast and simple guide to buying Bitcoin and crypto with Klarna (Sofort). Get started with a trusted and regulated exchange.
Summary: Klarna, along with its payment service Sofort, doesn't directly process cryptocurrency transactions. However, Klarna users have the option to invest in crypto assets through regulated exchanges, using Euros (EUR) transferred from their Klarna accounts to purchase digital assets on their chosen platform.
Our thorough examination of over 20 authorized platforms highlighted Bitpanda as the top choice for Klarna users. Bitpanda, regulated in Europe by BaFin and CySEC, ensures a seamless, affordable EUR transfer via Sofort, and grants access to an expansive array of more than 3,000 digital assets, stocks, ETFs, and other investment possibilities.
Can you Buy Crypto with Klarna (Sofort)?
Yes, you can purchase digital assets utilizing your Klarna account or Klarna Card. Those seeking to invest in Bitcoin or other cryptocurrencies should first sign up on a cryptocurrency exchange in Europe compatible with Klarna deposits. Given that Klarna doesn't directly facilitate crypto transactions, it's wise to choose a cryptocurrency platform abiding by European regulatory standards to ensure investment security and other protections.
How to Buy Bitcoin and Crypto with Sofort
The most secure method to purchase Bitcoin or other digital currencies with a Klarna account or Sofort deposit is through a regulated exchange. These platforms enable instant Euro (EUR) deposits using these online banking platforms to invest and trade in various digital assets. Based on our analysis, we found that Bitpanda was the top platform for Klarna/Sofort deposits due to their instant transfers, selection of over 3,000 assets and compliance to European regulations.
Here is a simple guide to get started:
- Sign up to Bitpanda and complete your ID verification.
- Select the ‘Deposit’ button at the top of your screen.
- Select ‘Sofort’ as your deposit option and complete your transfer.
- Once your account is funded, find the crypto you want to buy and execute your trade.

What are the Fees?
The associated expenses when investing in Bitcoin and other cryptocurrencies through Klarna can vary depending on your chosen platform. This may include potential costs such as deposit, withdrawal, spread, and trading fees. We recommend Bitpanda for Klarna users seeking a cost-efficient option.
This platform stands out for its free and instant EUR deposits via Sofort, and its diverse digital asset offerings. While platforms like eToro, Kraken, and Coinbase often carry a spread fee of over 2%, Bitpanda keeps costs competitive, making it an attractive choice for budget-conscious investors.

Is Klarna Crypto-Friendly?
Klarna facilitates its users' engagement in the world of cryptocurrencies, such as Bitcoin, Ethereum, stablecoins, and other digital assets, through exchanges sanctioned by regulatory bodies like the German Federal Financial Supervisory Authority (BaFin) or the European Securities and Markets Authority (ESMA).
This ensures customers can access exchanges that align with both domestic and European standards aimed at preventing financial wrongdoings like money laundering and fraud. By opting for a regulated exchange, Klarna users are provided with the assurance that their investments in cryptocurrencies are not only safe but also in complete adherence to legal norms.
Final Thoughts
In conclusion, Klarna users looking to invest in cryptocurrencies like Bitcoin can do so through compliant exchanges, particularly those following European regulatory standards. Bitpanda emerged as the top choice in our analysis for Klarna/Sofort deposits, boasting instant transfers, access to over 3,000 assets, and adherence to European regulations.
Despite Klarna not directly facilitating crypto transactions, it enables users to partake in the crypto world securely by linking them to regulated exchanges like Bitpanda. Thus, Klarna's compatibility with the world of cryptocurrencies allows users to safely and efficiently navigate their crypto investment journey.