United States · Money service business
Klarna Inc.
Klarna Inc. is a Delaware corporation with its head office in Columbus, Ohio, and is the US operating company of Klarna Group plc. It is registered with FinCEN as a money services business and holds state money transmitter licences under NMLS ID 1353190, as well as a California Financing Law licence. Its direct parent in its LEI record is Klarna Bank AB. It offers US consumers pay-later and financing options at merchants, the Klarna Card and Klarna balance and savings accounts, with WebBank acting as lender, card issuer and deposit-holding bank.
Licences and registrations
Held by Klarna Inc. (LEI 6488YJDQ759M4YM13211). 1 entry on 1 of the 22 tracked registers, retrieved 24 September 2026.
| Register | Licence | Number | Jurisdiction | Status | Registered | Ends | Activities | Register entry |
|---|---|---|---|---|---|---|---|---|
| MSB Registrant SearchFinCEN | —Money Transmitter / Remittance | Not published by the register | United States | Active | 2025-01-30 | — |
|
Search the register ↗ |
- 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
Employees
Not published
Ownership
Group subsidiary
Klarna Bank AB
Firm type
Lending or buy now, pay later
Trades as Klarna
- Ownership
- Klarna Group plc, whose shares are listed on the New York Stock Exchange, owns the firm through Klarna Bank AB, according to the parent data reported in its LEI record.
- Direct parent
- Klarna Bank AB, Sweden
- Ultimate owner
- Klarna Group plc, United Kingdom
- Head office
- 800 N. High Street, Suite 04-121, 43215 Columbus, United States (registered office: Corporation Trust Center, 1209 Orange St, Wilmington, DE 19801, US)
- Founder
- Sebastian Siemiatkowski
Online
- Websites & references
- klarna.com ↗ did not load when checked
investors.klarna.com ↗ Group investor relations site (Klarna Group plc)
Wikipedia ↗ group article - Official social accounts
- None found
Sources · 16 pages consulted
- extranet.dfi.in.gov/ConsumerCredit/EntityDetails/10161
- dfpi.ca.gov/regulated_entity/klarna-inc/
- dbcf.ms.gov/wp-content/uploads/2024/10/Money-Transmitter-Licensee-list-for-Website-09302024.pdf
- banking.delaware.gov/wp-content/uploads/sites/73/2026/03/WEB-FEB-27-Check-Seller-and-Money-Transmitter.pdf
- klarna.com/us/
- klarna.com/us/legal/
- klarna.com/us/klarna-balance/
- investor.visa.com/news/news-details/2025/Klarna-and-Visa-Launch-Pilot-of-New-Debit-Card-with-Increased-Flex
- businesswire.com/news/home/20260609585243/en/Klarna-Launches-High-Yield-Savings-Account-Turning-Everyday-S
- ncdoj.gov/attorney-general-jeff-jackson-leads-inquiry-into-paypal-klarna-and-other-buy-now-pay-late
- portal.ct.gov/ag/press-releases/2025-press-releases/attorney-general-tong-launches-inquiry-into-buy-now
- finance.yahoo.com/markets/stocks/articles/kbra-comments-lawsuit-filed-pagaya-165600331.html
- bankingdive.com/news/klarna-faces-investor-lawsuit-ipo/808771/
- paymentsdive.com/news/klarna-faces-investor-lawsuit/808753/
- fortune.com/2026/08/20/klarna-wants-next-cfo-new-york-signal-to-wall-street/
- en.wikipedia.org/wiki/Klarna
Authorisation
Researched 29 Sep 2026 · Sources
- Operates under
- Several models
- Licensed firm it operates under
- WebBank, United States Lender for monthly financing and One-time card loans, issuer of the Klarna Card and provider of the Klarna balance and Klarna Savings accounts
Klarna Inc. holds state money transmitter licences under NMLS ID 1353190 and a California Financing Law licence from the California DFPI. For its financing, One-time card and Klarna Card loans the firm states that it is not the lender: WebBank makes these loans and issues the card, and WebBank also provides the balance and savings accounts.
| Authority | Licence or registration | Number | Held | Status | Source |
|---|---|---|---|---|---|
| Financial Crimes Enforcement Network (FinCEN) United States | Money Services Business registration (money transmitter, prepaid access) | — | In its own name | Active | — |
| US state regulators (NMLS) United States | Money transmitter licences in multiple states (number of states not confirmed) | 1353190 | In its own name | Active | extranet.dfi.in.gov ↗ |
| California Department of Financial Protection and Innovation (DFPI) United States | California Financing Law licence | 60DBO-44020 | In its own name | Active | dfpi.ca.gov ↗ |
| Indiana Department of Financial Institutions United States | Non-Lender (Leasing) | 73839 | In its own name | Active | extranet.dfi.in.gov ↗ |
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
- Deposits at a partner bankAccording to the firm, WebBank, Member FDIC, provides the Klarna balance account and holds Klarna Savings deposits, which are eligible for pass-through FDIC insurance if certain conditions are met.
- Card issuer · Sponsor bank · Deposit-holding bank
- WebBank United States
- Payment schemes and card networks
- Visa Through a partner 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
It offers US consumers Pay in 4, pay-later and monthly financing at merchants, the Klarna Card and Klarna balance and Klarna Savings accounts, with the loans, card and deposit accounts provided by WebBank.
It serves consumers and merchants in the United States under state licences and its WebBank programme.
- Sells to
- Consumers · Enterprises · Small businesses
- Serves customers in
- United States
Leadership
Researched 29 Sep 2026 · Sources
- Chief executive
- Sebastian Siemiatkowski Co-founder and CEO, Klarna (group level)
Recent events 1 enforcement or investigation item
Researched 29 Sep 2026 · Sources
-
Leadership
Klarna Group announced that its CFO Niclas Neglén and its CMO David Sandström would leave their roles by early 2027.
fortune.com ↗ -
Other
Klarna launched Klarna Savings accounts in the US, with deposits held at WebBank, Member FDIC.
businesswire.com ↗ -
Other
Pagaya Technologies sued Klarna, Inc. and Klarna Group plc in Delaware federal court, alleging misappropriation of trade secrets.
finance.yahoo.com ↗ -
Investigation
Seven state attorneys general, led by North Carolina and Connecticut, asked Klarna and five other BNPL providers for information on their lending practices.
ncdoj.gov ↗ -
Other
A shareholder filed a proposed class action against the parent Klarna Group plc over disclosures in its IPO registration statement.
bankingdive.com ↗ -
Licence
The Indiana Department of Financial Institutions issued the firm a Non-Lender (Leasing) licence on 27 October 2025.
extranet.dfi.in.gov ↗ -
Other
The parent Klarna Group plc listed its shares on the New York Stock Exchange after its initial public offering on 10 September 2025.
paymentsdive.com ↗ -
Other
Klarna began a US pilot of the Klarna Card, a Visa debit card issued by WebBank.
investor.visa.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
- BIC
- Holds no BIC in Swift’s directory
- How the LEI was matched
- Matched by Elucidate to GLEIF on name, country and address
- Elucidate firm ID
- 19db790df518
Profile
- Type
- Money service businessRemittance, currency exchange, cheque cashing and money orders. Usually registered with an anti-money-laundering supervisor rather than licensed prudentially. Taken from the licences on the tracked registers.
- Regulation
- AML registration onlyRegistered with an anti-money-laundering supervisor (FinCEN, FINTRAC, HMRC, AUSTRAC, Hong Kong Customs…) without a prudential licence.
- Main licence class
- Money Transmitter / Remittance
- Activities
- Money remittance
- Prepaid access
- Licensed in
- United States · North America
- First registered
- 2025-01-30
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
- Direct parent
- Klarna Bank AB · Sweden549300O3HXYXXUHR0897 ↗
- Ultimate parent
- Klarna Group PLC · United Kingdom636700HER4JIK7GZUN17 ↗
The Klarna Group PLC group has 5 institutions in the directory, in 5 countries: 4 hold a BIC and 1 does not.
Including Klarna Bank AB (Publ), Klarna Bank AB French Branch, Klarna Bank AB, German Branch, Klarna Bank AB, Irish Branch.
See the Klarna Group PLC group →Group membership follows the accounting-consolidation relationships reported to GLEIF. It does not show ownership shares or control.
Addresses
- Address on the register
- 800 N High St Suite #04121, Columbus, 43215
- Country
- United States
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>6488YJDQ759M4YM13211</LEI>
<Nm>Klarna Inc.</Nm>
<PstlAdr>
<PstCd>43215</PstCd>
<TwnNm>Columbus</TwnNm>
<Ctry>US</Ctry>
<AdrLine>800 N High St Suite #04121</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 →Register for this page
- MSB Registrant Search—Financial Crimes Enforcement Network (FinCEN) · source ↗ as at 24 September 2026
- Ownership and group—GLEIF Level 2 relationship records (accounting consolidation), matched by LEI.
- 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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