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Alternatives & competitors

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Alternatives to Klarna

We have checked 5 current account providers that are an alternative to Klarna. There is no rating for Klarna yet, whereas 5 of the alternatives have already been rated.

1
ING
ING
Germany's largest direct bank, focused on simple, fair products.
91 out of 100 points in our rating · BaFin-regulated · based in Germany
bank broker BaFin
91 /100
Very good (1.4)
2
DKB
DKB
One of Germany's largest direct banks, with a free current account.
88 out of 100 points in our rating · BaFin-regulated · based in Germany
bank broker BaFin
88 /100
Very good (1.6)
3
C24 Bank
C24 Bank
Free neobank from the CHECK24 group with a top app and interest on balances.
86 out of 100 points in our rating · BaFin-regulated · based in Germany
bank BaFin
86 /100
Very good (1.7)
4
Consorsbank
Consorsbank
Full-service bank with a strong focus on brokerage and attractive bonuses.
80 out of 100 points in our rating · BaFin-regulated · based in Germany
bank BaFin
80 /100
Very good (2.0)
5
bunq
bunq
Dutch neobank with a focus on sustainability and innovation.
68 out of 100 points in our rating
bank
68 /100
Good (2.6)

FAQ: alternatives to Klarna

What is the best alternative to Klarna?

The highest-rated is ING with 91 out of 100 points. ING: Germany's largest direct bank, focused on simple, fair products.

Why look for an alternative to Klarna?

Our rating found these weaknesses at Klarna: No German deposit protection, the Swedish Riksgälden is responsible; No automatic withholding of the Abgeltungsteuer, tax exemption order (Freistellungsauftrag) not possible; Interest rates are adjusted regularly, no lasting interest guarantee on call money. If any of them is a deal-breaker for you, it is worth looking at the 5 alternatives on this page.

What speaks for Klarna?

Klarna scores with: Free account management with no minimum investment on call money; Call money and fixed-term deposits combined in one digital access point; Full banking licence and supervision in Sweden, plus ECB supervision. If this matters to you, you will hardly find anything better among the alternatives.

Which alternatives to Klarna are BaFin-regulated?

Of the 5 alternatives, ING, DKB, C24 Bank, Consorsbank are supervised by BaFin (the German financial regulator).

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