How to Buy Bitcoin with Klarna in 2025

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Firstly, the most important question to answer is: can I buy Bitcoin with Klarna?

Yes, you can use Klarna to buy Bitcoin, but not directly. Instead, you can use Klarna to fund a trading account and buy Bitcoin that way.

This means you’ll need to select a crypto exchange that accepts Klarna deposits. And, we’re here to help you do that.

How to buy Bitcoin with Klarna in 5 steps

It takes between 15-45 minutes to buy BTC with Klarna the first time. After you’re all set up, it takes just a minute. You’ll want to have a copy of your photo ID, a computer or smart phone, and some cash to invest.

Let’s get started.

Step 1. Choose a crypto platform that accepts Klarna

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We recommend eToro as the best platform to use to buy Bitcoin with Klarna. However, there are several options, which you can compare in more detail below.

4.6

eToro

Min. Deposit $100

Fees 1%

No. assets 50+

Demo account Yes

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51% of retail CFD accounts lose money. Your capital is at risk.

Step 2. Create an account

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You need an account before you can buy anything. Sign up with your contact details and a form of ID for verification. Depending on the platform, this can take anywhere from a few minutes to a couple of days to be approved.

Step 3. Make a deposit via Klarna

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Once you’re on the platform, you’ll be prompted to deposit for the first time.

Here, you need to enter how much you want to deposit, usually there’s a minimum such as $10, $50, or $100. Select Klarna as your payment method from the list of options and off you go. You should see the funds arrive in your account fairly quickly!

Step 4. Use the search box to find Bitcoin

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Now that you have funded your account with Klarna, you can search for Bitcoin or BTC on the app to make an investment.

You’ll likely be able to purchase using a range of currencies, with the most common being USDT, USD, GBP or EUR. Depending on which currency you deposited, you may even need to convert your funds into another base currency. 

Step 5. Make your purchase

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Enter how much Bitcoin you want to buy, for instance $100, check that you’re happy with the details, and click the trade or buy button. The trade should execute immediately, and your new Bitcoin should show up in your exchange account immediately.

Now you own Bitcoin, purchased with Klarna! Not a big deal, right?

Top Bitcoin platforms that accept Klarna

1. eToro. Best for beginners, copy-trading & demo-account

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4.5

Ratings

$100

Min. deposit

0% commission

Fees

50

No. assets

Yes

Demo account

Overview

We love eToro because it’s a crypto trading platform built with beginners and casual traders in mind. The platform combines an interactive, social trading experience with an easy-to-use interface, making it ideal for novice traders.

The far-reaching catalog of 100 cryptocurrencies includes big names like Bitcoin and Ethereum, as well as smaller crypto tokens with high growth potential. Some supported tokens can be seamlessly transferred to the eToro Money crypto wallet for safekeeping.

One feature we particularly appreciate is the ability to interact with eToro’s 35 million users on any asset, market, or portfolio page. If you find traders whose strategies match your risk tolerance, you can copy their portfolios automatically using eToro’s flagship copy trading functionality. eToro crypto’s Smart Portfolios offer a great entry point into digital currencies, an opportunity to learn and potentially benefit from the expertise of more experienced traders.

If you don’t feel comfortable investing your cash straight away, you can use a free demo account, credited with $100,000 virtual dollars. This offers plenty of opportunities to try out a trading strategy that works for you across the 100 crypto tokens available.

Highlights

No. of tradable assets	3600+
Min. Deposit	$100
ID verification required	Yes
Free demo account	Yes
Supported assets	Stock CFDs, ETF CFDs, Forex CFDs, Crypto CFDs, Index CFDs, Commodity CFDs, NFTs
Mobile trading app	Yes
Web trading platform	Yes
Regulatory bodies	ASIC, FCA, CySEC, FinCEN

Fees & Costs

Trading fees	Yes, on certain assets
Inactivity fees	Yes
Rollover/overnight fees	Yes, on CFDs
Withdrawal fees	Yes
Spreads	Yes, on certain assets
Conversion fees	Yes, for non-USD currencies

Pros & Cons

Great for beginners, simple to set up and get started Competitive, industry-leading commissions Popular ‘Copy Portfolios’ function lets you follow top traders Excellent customer service, with live chat support provided

Comparatively high fees for withdrawals and account inactivity Does not integrate with the MetaTrader platform High spreads on some assets

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51% of retail CFD accounts lose money. Your capital is at risk.

Quick answers to key questions

Can I buy crypto with Klarna?

Yes, you aren’t limited to buying Bitcoin alone. The only limit is which coins are available on the exchange you’ve chosen. Most crypto exchanges that support Klarna as a payment method offer 50+ cryptocurrencies and many offer hundreds more, so you have plenty of options.

Is Klarna safe?

Yes, it’s completely safe to use Klarna. The only risk to look out for is to make sure you sign up to a regulated Klarna Bitcoin broker. Regulated platforms offer greater investor protection, and usually mean the service has had to abide by certain rules – such as storing your funds separately to the money it uses to run its business, or auditing its reserves to proof it has capital on hand.

Using an unregulated broker platform, on the other hand, can put your money at risk, because you won’t benefit from these protections.

How much does it cost to buy Bitcoin via Klarna?

The cost to buy Bitcoin via Klarna varies depending on the exchange or brokerage platform you use. Using Klarna is free of charge, but you’ll need to pay a fee with your broker; generally, anything above $3 or 2% is expensive, with most platforms charging you around the 1% mark.

Can I store Bitcoin in my Klarna account?

No, Klarna is a payment processing service and you cannot store Bitcoin on it. You have two choices when it comes to storing your BTC: keep it on the exchange you used to buy it, or use a dedicated Bitcoin wallet.

Why don’t more crypto platforms support Klarna?

One reason can be that not enough customers use it, and so the cost and resources required to accept Klarna simply aren’t worth it. Another reason is that some payment processing systems charge quite high fees to the merchant, which again means it makes less financial sense to allow payments that way.

Ultimately, if Klarna grows in popularity, then it’s likely that more crypto exchanges or brokers will start accepting it. Most brokers tend to accept a few popular payment methods, like debit cards, credit cards, and bank transfers.

Can I buy Bitcoin using Klarna with no ID verification?

It’s not possible to buy Bitcoin using Klarna without ID verification, as this goes against the Know Your Customer (KYC) and anti-money laundering (AML) regulations. These regulations mandate ID verification to prevent illicit activities, like money laundering or fraud. 

Most payment providers, as well as trading platforms or centralized exchanges allowing cryptocurrency transactions, require users to verify their identity. This process typically involves submitting personal information, including but not limited to: 

• Full, legal name,
• Address, 
• A government-issued photo ID. 

These steps are legally necessary and serve as security measures to protect users from fraud and prevent illegal activities. 

Some peer-to-peer platforms facilitate Bitcoin purchases using Klarna without ID verification, but these transactions carry significant risks, including scams and higher fees.

Should I buy Bitcoin using Klarna?

Yes, you may want to consider buying Bitcoin with Klarna. It all comes down to personal preference. If it’s easy for you to fund your crypto brokerage account and offers you an easy way to use your online banking details to make payments, then yes, absolutely.

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