United Kingdom · Payments & e-money
Klarna Financial Services UK Limited
Trading asKlarna
Klarna Financial Services UK Limited is a private limited company registered in England and Wales, based at 10 York Road, London. The FCA authorises it as an electronic money institution (FRN 1021834) and for consumer credit activities (FRN 987889). It is wholly owned by Klarna Bank AB of Sweden, whose ultimate parent is Klarna Group plc. It provides Klarna's UK consumer services: pay-later and instalment credit, the Klarna balance e-money account and the Klarna Visa card.
Licences and registrations
Held by Klarna Financial Services UK Limited (LEI 984500DBA3BP4C462A15). 2 entries on 2 of the 22 tracked registers, retrieved 25 September 2026.
| Register | Licence | Number | Jurisdiction | Status | Registered | Ends | Activities | Register entry |
|---|---|---|---|---|---|---|---|---|
| FCA Financial Services Register - E-Money InstitutionsFCA | Authorised E-Money InstitutionE-Money / Stored Value Institution | 1021834 | United Kingdom | Active | 2025-07-28 | — |
|
Search the register ↗ |
| FCA Financial Services Register - Payment Institutions & RAISPsFCA | Authorised Payment InstitutionPayment Institution | 987816 | United Kingdom | Cancelled - Authorised PI | — | Ended 2025-09-28 |
|
Search the register ↗ |
Trading names on the register: Klarna (FCA-EMI, FCA-PSD)
- Each licence applies in the country of the regulator that granted it.
- Registers are tracked in 37 countries. Licences granted elsewhere are not recorded here.
Swift network
Swift’s ISO 9362 BIC directory
Holds no BIC in Swift’s directory.
Its LEI is not mapped to a BIC in the Swift and GLEIF BIC-to-LEI relationship file.
Overview
Researched 29 Sep 2026 · Sources
Ownership
Group subsidiary
100% Klarna Bank AB
Firm type
Lending or buy now, pay later
Trades as Klarna
- Standing
- The FCA authorised the firm as an electronic money institution on 28 July 2025. Its earlier payment institution authorisation (FRN 987816) was cancelled on 28 September 2025.
- Ownership
- Klarna Bank AB (Swedish registration number 556737-0431) owns 100% of the firm, and Klarna Group plc is the ultimate parent.
- Direct parent
- Klarna Bank AB, Sweden 100%
- Ultimate owner
- Klarna Group plc, United Kingdom
- Head office
- 10 York Road, SE1 7ND London, United Kingdom
- Company register
- Companies House 14290857
- Incorporated
- 11 Aug 2022
Online
- Websites & references
- klarna.com ↗ did not load when checked
docs.klarna.com ↗ Klarna developer and merchant documentation (group)
investors.klarna.com ↗ Klarna Group plc investor relations site (group)
Wikipedia ↗ group article - Official social accounts
- None found
Sources · 14 pages consulted
- find-and-update.company-information.service.gov.uk/company/14290857
- find-and-update.company-information.service.gov.uk/company/14290857/filing-history
- find-and-update.company-information.service.gov.uk/company/14290857/officers
- find-and-update.company-information.service.gov.uk/company/14290857/persons-with-significant-control
- find-and-update.company-information.service.gov.uk/company/14290857/filing-history/MzQ2ODEzNTg1NWFkaXF6a2N4/document?format=pdf&download=0
- register.fca.org.uk/servlet/servlet.FileDownload?file=015b0000006CWmx
- investors.klarna.com/governance/Governance-Oversight/default.aspx
- cdn.klarna.com/1.0/shared/content/legal/terms/en-GB/general_conditions_account
- docs.klarna.com/acquirer/klarna/resources/marketing-tools/partner-marketing-legal-guidelines/united-kingd
- investors.klarna.com/News--Events/news/news-details/2025/Klarna-receives-FCA-authorisation-paving-way-for-cash
- investors.klarna.com/News--Events/news/news-details/2025/Klarna-Launches-Flexible-Debit-Card-and-Digital-Walle
- klarna.com/international/press/klarna-receives-fca-authorisation-to-provide-regulated-payments-and-c
- lei.bloomberg.com/leis/view/984500DBA3BP4C462A15
- en.wikipedia.org/wiki/Klarna
Authorisation
Researched 29 Sep 2026 · Sources
- Operates under
- Its own licences
The FCA authorises the firm as an electronic money institution (FRN 1021834) and for consumer credit activities (FRN 987889). According to Klarna, its Pay in 3 and Pay in 30 days products have been regulated by the FCA as deferred payment credit under FRN 987889 since 15 July 2026.
| Authority | Licence or registration | Number | Held | Status | Source |
|---|---|---|---|---|---|
| Financial Conduct Authority United Kingdom | Authorised Electronic Money Institution | 1021834 | In its own name | Active | investors.klarna.com ↗ |
| Financial Conduct Authority United Kingdom | Authorised firm for regulated consumer credit activities (including deferred payment credit from 15 July 2026) | 987889 | In its own name | Active | docs.klarna.com ↗ |
| Financial Conduct Authority United Kingdom | Authorised Payment Institution (cancelled) | 987816 | In its own name | Withdrawn or expired | — |
Licences and registrations the research found, at home and abroad, as the firm and its regulators publish them. The Licences and registrations card shows the entries on the registers the directory tracks.
Partners and safeguarding
Researched 29 Sep 2026 · Sources
- Safeguarding
- Not disclosedIts Klarna balance terms state that funds received for e-money are safeguarded under the UK rules for electronic money institutions, but they do not name the method or the safeguarding bank.
- Payment schemes and card networks
- Visa Access not stated investors.klarna.com ↗
Banks and regulated firms the firm says hold its customers’ money, issue its cards, sponsor its accounts or settle its payments, as it discloses them in its terms and notices.
Products and markets
Researched 29 Sep 2026 · Sources
The firm is the UK lender for Klarna Pay in 3, Pay in 30 days and financing, and it issues the Klarna balance e-money account and the debit-first Klarna Visa card.
It serves UK-resident consumers aged 18 and over, and its 2024 accounts state that all revenue came from the UK.
- Revenue
- GBP 183.5m
- Sells to
- Consumers
- Serves customers in
- United Kingdom
Leadership
Researched 29 Sep 2026 · Sources
- Executive
- Abby Charlotte Vickers Head of Klarna Financial Services UK; Director
- Executive
- Niclas Peter Neglén Director (Chief Financial Officer of the Klarna group)
- Executive
- Daniel Messenger Director
- Executive
- Michael Cuong Vi Tran Director
Recent events
Researched 29 Sep 2026 · Sources
-
Licence
The firm's Pay in 3 and Pay in 30 days products came under FCA regulation as deferred payment credit on 15 July 2026.
docs.klarna.com ↗ -
Leadership
Camilla Giesecke stepped down as a director on 1 May 2026, after Michael Tran was appointed a director on 20 April 2026.
find-and-update.company-information.service.gov.uk ↗ -
Leadership
Niall Kilkenny stepped down as a director of the firm on 31 December 2025.
find-and-update.company-information.service.gov.uk ↗ -
Other
Klarna launched the Klarna balance e-money account and the debit-first Klarna Visa card in the UK on 16 October 2025.
investors.klarna.com ↗ -
Licence
The FCA authorised the firm as an electronic money institution (FRN 1021834) on 28 July 2025.
investors.klarna.com ↗ -
Licence
The FCA authorised the firm for consumer credit and payment services, and it took over Klarna's UK consumer business from Klarna Bank AB.
klarna.com ↗
Compliance-relevant events of the last three years, newest first: fines and enforcement, investigations, security incidents, licence changes, funding rounds, acquisitions and leadership changes. Each links to its source.
Identifiers
- Licence no. · FCA-EMI
- 1021834
- Licence no. · FCA-PSD
- 987816
- BIC
- Holds no BIC in Swift’s directory
- How the LEI was matched
- Matched by Elucidate on the UK company number the register gives
- Elucidate firm ID
- 7dcf9d8bf392
Profile
- Type
- Payments & e-moneyPayment institutions, e-money and stored-value issuers, and account-information providers. Licensed under payment-services law (e.g. PSD2 in the EU and UK, the Payment Services Act in Singapore). Taken from the licences on the tracked registers.
- Regulation
- Prudential licenceAuthorised with capital, safeguarding and conduct requirements, e.g. an authorised payment or e-money institution in the EU or UK, a major payment institution in Singapore, or a MiCA crypto-asset service provider.
- Main licence class
- E-Money / Stored Value Institution
- Activities
- Payment services
- E-money / stored value
- Licensed in
- United Kingdom · Europe & Central Asia
- First registered
- 2025-07-28
- Website
- www.klarna.com/uk ↗
Types come from Swift’s BIC classification, the licences on the 22 tracked registers, and the ECB and FSB bank lists. Most banks outside the euro area appear as financial institutions, because their supervisors’ registers are not tracked yet.
Ownership and group
GLEIF relationship records
GLEIF’s relationship records name no parent for this LEI, and no group page is published for it.
Addresses
- Address on the register
- 10 York Road, London, SE1 7ND
- Country
- United Kingdom
ISO 20022 identification
As an agent in a Swift cross-border payment message (CBPR+)
This institution holds no BIC. A CBPR+ message identifies it by name and postal address, and may add its LEI or a clearing code.
- Identified by
- Name and postal address, with its LEI
- Postal address
- Hybrid: town, postcode and country in their own elements, the rest in one address line
<FinInstnId>
<LEI>984500DBA3BP4C462A15</LEI>
<Nm>KLARNA FINANCIAL SERVICES UK LIMITED</Nm>
<PstlAdr>
<PstCd>SE1 7ND</PstCd>
<TwnNm>London</TwnNm>
<Ctry>GB</Ctry>
<AdrLine>10 York Road</AdrLine>
</PstlAdr>
</FinInstnId>CBPR+ identifies the instructing and instructed agents by BIC only. An institution without a BIC can be the debtor, creditor or an intermediary agent.
The values are as published by the register. Check them against your own records before use.
Sources & method
Register entries come from the public registers of financial regulators, standardised into one taxonomy. LEIs are matched through GLEIF, and a BIC is linked only through a shared LEI.
An institution missing from these registers is not necessarily unregulated.
Register entries are not matched against the OFAC or EU sanctions lists. Where the legal entity also holds a BIC, the matches for that BIC are on its page. Always screen against the official lists.
An institution is one entry in the directory: a BIC8 in Swift’s directory, or a firm on a tracked register that holds no BIC. Licences held by an institution with a BIC are shown on its page.
Read the methodology →Registers for this page
- FCA Financial Services Register - E-Money Institutions—Financial Conduct Authority (FCA) · source ↗ as at 25 September 2026
- FCA Financial Services Register - Payment Institutions & RAISPs—Financial Conduct Authority (FCA) · source ↗ as at 25 September 2026
- Overview, authorisation, partners, products, leadership and events—researched per institution by an AI model with web search, from the firm's own website, terms and filings, regulators' registers and notices, company registers and news. Licences, partners, figures, people and events link to their source, and each card shows the research date. AI research can be wrong or out of date, so check key facts at the source.
Assess the financial crime risk behind a licence
A licence records what an institution is authorised to do; it does not assess it. The Elucidate FinCrime Index (EFI) is an independent score of the financial crime risk of banks and payment institutions.
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