What happens to your Klarna accounts when you die
No beneficiary or trust option on any account, so they pass through the estate
Klarna does not currently support beneficiary designations, transfer-on-death registrations, or trust account titling on any account type. All Klarna accounts pass through the estate at death and may require probate.
When an account holder dies, the executor or administrator will need to contact Klarna with a death certificate and legal authority documents to claim account balances. The process and required documents are covered on the death claim page.
Klarna does not currently support beneficiary designations (POD or TOD) on any account type. All accounts transfer through the estate at death and may require probate.
Why trust accounts are not available
Klarna does not support retitling accounts into a trust, naming a trust as beneficiary, or any other probate-avoidance mechanism. Account balances transfer through the estate at death.
Klarna balance
Savings account
An interest-bearing savings account inside the Klarna app. Klarna states there is no minimum balance requirement, unlimited withdrawals, and no fees or limits on deposits and withdrawals, and that the interest rate may change. Deposits in the Savings account are held at WebBank, Member FDIC; Klarna is not an FDIC-insured bank and deposit insurance only covers the failure of WebBank, with pass-through coverage if certain conditions are satisfied. Like the balance itself, it carries no beneficiary or payable-on-death designation and passes to the estate.
Klarna Invest
Sources
Data sourced from Klarna primary sources (21 pages reviewed). How we research.
Klarna estate support
Klarna Customer Service
Phone
Hours
Mailing address
Website
Estate requests go through general customer service.
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