Best online casinos that accept Klarna in 2025

Detailed overview of the best Klarna casinos

Feature	ZenCasino	Wild Tokyo	VideoSlots
💵 ⬇️ Min. deposit	€15	€20	€10
💰 ⬇️ Min withdrawal	€10	€20	€20
🔄 Withdrawal options	Bank transfer, Skrill, Klarna, Debit Cards	Neteller, Bank transfer, Klarna,	Crypto payout, Bank transfer, Klarna
⏱️ Withdrawal speed	Instant	Instant – 48h	Up to 12h
🎁 Klarna bonuses	100% Bonus up to €200 + 100 free spins	Bonus up to €300 + 150 free spins	100% Bonus up to €200 + 11 free spins
✅ Pros and 🚫 cons	👍 Instant deposits👎 Higher minimum deposit	👍 Solid selection of payment options👎 High wagering requirements	👍 Fast deposits👎 Requires bank login

All Klarna casinos

What is Klarna, and is it good to use at online casinos?

Klarna’s 'buy-now, pay-later' system allows users to make deposits and then pay them off in three instalments.

This form of credit is extended to the casino, allowing players to bet with borrowed money and settle the debt later. Using credit at casino sites can be tricky, as failing to pay back your instalments can harm your credit score. Klarna is used within an app, and making payments is a quick and straightforward process when checking out at a casino site.

Privacy and security

When paying at an online casino, Klarna handles the payment and pays the merchant upfront. Klarna will mask the card you use, so merchants cannot store your card information, as the payment is private. Two-factor authentication is used, and Klarna is directly linked to your bank account, meaning that all transactions require authorisation. 

You can track any payments made by Klarna in the mobile app. This lets you know all the payments that have been issued to your account. The platform adheres to privacy laws, enabling you to request the deletion of your data at any time. 

Its geography and limits

Klarna is available to use at casino sites in Austria, Belgium, Germany, Italy, Netherlands, Spain, and other major Eurozone markets. However, players from these countries who want to use Klarna as a payment method should check that a casino supports it.

Players in the United States of America and Canada cannot use Klarna to pay at online casinos. Users in the United Kingdom can’t use their “pay later” method, unlike the other countries. This is because the platform only supports the use of euros to make deposits, and any other currency will be declined.

KYC Process with Klarna

The KYC process when using Klarna is straightforward. Before creating an account with Klarna, register at a casino where you will usually be asked for your name, date of birth, and email address. 

Here’s a detailed breakdown of Klarna’s five-step process:

1. Account registration: When signing up, please provide your legal name, address, and date of birth.

2. Bank login via Klarna: When making a deposit, your bank’s 2FA (SMS/app code) confirms your identity and account ownership for small transactions (up to €2,500).

3. Document upload before first withdrawal: To cash out winnings, you need to show a government-issued photo ID (passport or driving licence) and/or proof of address (utility bill or bank statement dated within three months). Sometimes, casinos will request additional documents (e.g. a bank statement) to confirm the source of the deposit.

4. Manual review & approval: The casino team cross-checks your details (ID/POA) against the data seen by Klarna during your deposit (name, IBAN, transaction). If everything matches, you’ll be approved between 24 and 48 hours.

5. Ongoing monitoring: For high-value or frequent transactions, casinos may require you to reverify documents or submit new ones to comply with anti-money-laundering laws.

How do I make a deposit using my Klarna?

Making deposits with Klarna is a quick and easy process, with payments being made instantly and can be done in under a minute. This is the process a member of our team documented when testing out this payment method:

1. Log in & access the casino cashier → Deposit → Klarna: On desktop or mobile, sign in to your casino account and go to the ‘Cashier’, ‘Deposit’, or 'Banking' section. Select Klarna (it may appear as “Klarna Pay Now” or just “Klarna”) to use it as a payment method.

2. Enter your deposit amount: Input how much you wish to fund (bear in mind the casino’s €5–€10 minimum deposit and your bank’s maximum SEPA limit).

3. Provide your IBAN (if prompted): Some casinos require you to enter your IBAN before redirecting you to Klarna, while others direct you directly to your bank’s login screen. Ensure you write this carefully, as you don’t want to make a mistake.

4. Authenticate via your bank’s login: Klarna opens an iframe or a new window showing your bank’s online banking portal. Enter your bank username and password, then complete the required two-factor authentication (2FA) by entering the code sent to your mobile device via SMS or your banking app.

5. Review & confirm the payment: Once logged in, you’ll see a Klarna payment summary, which includes the amount, merchant name, and any reference. Click “Confirm” in your bank’s interface to complete the payment and start playing.

6. Instant funding & return to casino: Klarna debits your account immediately and notifies the casino. You’re redirected to the site, where your balance updates in seconds.

7. Check for bonus credit: If a welcome or reload bonus applies, ensure it’s credited alongside your deposit. If not, please contact the casino’s support system for assistance.

Steps if your Klarna deposit failed

Just like using any payment method, you may encounter some teething problems when using Klarna. Here are some steps you can take if you come across any issues:

🏦 Verify IBAN & bank support: Double-check that your IBAN is correct and that your bank allows Klarna Pay Now. If unsure, visit your bank’s website or Klarna’s list of supported banks.

🔄 Retry in a fresh session: Clear your browser cache or switch to incognito mode. Failing that, try the casino’s mobile app if you were on desktop (or vice versa). Then, try the deposit again.

🔐 Check bank 2FA prompt: Sometimes, the SMS or app code from your bank arrives late. Open your bank’s app directly to see if a pending authorisation is awaiting approval.

⚙️ Confirm bank online-banking availability: If your bank’s online banking is under maintenance, Klarna payments will fail. Check your bank’s status page to ensure Klarna works properly.

🎧 Contact casino support: Provide the exact error message, timestamp, and your IBAN. The casino can inspect Klarna’s integration logs to verify if your request was correctly received.

🛠️ Contact Klarna support: If the casino logs show no payment attempt, raise a ticket via Klarna’s help centre (klarna.com/help) with your transaction details to see if your bank blocked the request.

💳 Use an alternative: If Klarna remains unavailable or your bank is not participating, use Trustly, iDEAL (for Dutch players), or a SEPA bank transfer to fund your gaming.

Do casinos offer bonuses for depositing with Klarna?

Casino bonuses are a way to reward players for using casino sites. If you are looking for some of the latest online casino bonuses that can be claimed when paying via Klarna, you may have to search around a bit. To save you some time, we have found the best casinos where using Klarna is an option:

Casino	Bonus
ZenCasino	100% up to €200 and 100 free spins
Wild Tokyo	Bonus up to €300 and 150 free spins
VideoSlots	100% up to €200 and 11 free spins

Are there any bonus restrictions with Klarna?

Some casinos will ban the use of Klarna to access specific bonuses on their site. Many casinos believe that Klarna, as a payment method, is more likely to be abused, as players are allowed to deposit money they don’t have. 

Many casino sites will ban the use of Klarna outright, as it is a form of credit. Regulatory bodies like the UKGC block the use of credit systems at casino sites to help protect players making deposits. Klarna also offers the option to dispute payments within the platform, allowing payments to be reversed or delayed. Casinos do not like this, as if this were to happen to a payment they received, a player could use the bonus and then later cancel the transaction.

Does Klarna offer exclusive promotions when depositing with it?

Klarna, as a payment method, doesn’t just magically create special prizes for users. Bonuses that include Klarna will be subject to the same rules and stipulations as those associated with other payment methods. However, there are some incentivising bonuses that casinos offer to everyone. Please read the terms and conditions to determine if the offer can be used.

Can I withdraw my winnings to a Klarna account?

As Klarna uses your bank account to cover the platform’s used credit balance, you are unable to withdraw winnings to your Klarna account. However, here are some other easy payment methods you can use to withdraw winnings from your casino account:

Withdrawal Method	Steps
SEPA Bank Transfer	1. Complete Casino KYC (photo ID & proof of address). 2. Cashier → Withdraw. 3. Select “SEPA Bank Transfer” and enter your IBAN. 4. Specify amount & confirm. 5. Funds arrive in 1–3 business days.
Trustly	1. Verify your Trustly account (bank login).  2. Cashier → Withdraw → “Trustly.” 3. Log in to your bank via Trustly’s interface. 4. Enter amount & confirm. 5. Funds are instant to your bank.
Skrill	1. Verify Skrill account (email & 2FA). 2. Cashier → Withdraw → “Skrill”. 3. Confirm your registered Skrill email. 4. Enter amount & submit. 5. Funds arrive in minutes – 24 hours.
Cryptocurrencies	1. Ensure the casino supports your chosen coin (e.g., BTC, ETH). 2. Cashier → Withdraw → “Crypto”. 3. Paste your wallet address. 4. Enter amount & confirm. 5. Funds usually arrive within two hours.

Pros & Cons of depositing and withdrawing with Klarna

❤️ Pros	💔 Cons
🥳 Deposit times: Instant EUR Deposits	😐 EU-only availability: Not supported in the US, Canada, UK, or other non-Eurozone markets.
🙂 No card or IBAN exposed: Your bank login and 2FA occur inside Klarna’s secure iframe.	☹️ Deposit-only: You cannot withdraw funds back to Klarna, must use SEPA, Trustly, Skrill, etc.
🥳 Fee-free for players: Casinos typically absorb any small merchant cost, with no extra player charge.	😐 Requires bank participation: Your bank must have a merchant agreement with Klarna; non-participating banks are not accepted.
🥳 PSD2-compliant security: Strong Customer Authentication (SCA) via your bank reduces fraud risk.	😐 Minimum deposit limits: Often €5–€10; some casinos raise the floor to €20+ for Klarna.
🙂 No app installation required: You use your bank’s existing online banking.	☹️ EUR limited: Deposits from GBP or USD accounts are automatically declined.
🙂 Broad acceptance: In Germany, Austria, Belgium, Italy, Spain, the Netherlands, and other key European Union (EU) markets.	☹️ Bank downtime: If your bank undergoes maintenance, Klarna deposits will not work.

What have other players experienced?

Klarna, as a payment method at online casinos, has come with praise and criticism. It's always a good idea to check trusted online forums to see what users are saying about their own experiences with Klarna before using it yourself. Here are two of the most frequently asked questions related to the use of Klarna at online casinos, along with their answers.

What are the alternatives to Klarna?

Having backup payment methods available for use at casino sites is always a good idea, especially if you're using Klarna and your bank is unavailable. Here are some of the best alternatives to use when you can’t access Klarna, and a breakdown of each payment method:

Payment Method	Availability	Currencies & Limits (min–max)	Deposit Speed	Withdrawal Option	Privacy Level	Typical Fees
Sofort	Major EU markets (DE, AT, BE, IT, ES…)	EUR 1–€25,000 (varies by bank)	Instant	Bank transfer	Low ( bank details)	0% (consumer); 0.9–1.9% (merchant)
PayPal	Global	~25 currencies; $10 – $10000	Instant	Bank transfer 1 – 3 days; high-speed transfer to the card	Medium (requires account)	Domestic: 2.9% + $0.30/txn; Intl: + 1.5% cross-border + 3 – 4% FX; instant withdrawal ~ 1% (min $0.25)
iDEAL	Netherlands (participating banks only)	EUR 1–€ 10,000 (bank limit)	Instant	SEPA bank transfer	Low (full bank KYC)	€0 (consumer); €0.10 – €0.50 (bank)

Does Klarna provide a gambling block function?

In the UK, US, and Canadian markets, Klarna has specific measures in place to prevent users from using the credit system for gambling purposes. Its ‘buy-now, pay-later’ feature is blocked for casino payments. However, this feature is still available in other European markets. Klarna doesn’t have a specific gambling block function, but there are alternatives you can use:

Use your bank’s card controls

This is the easiest way to block payments at casino companies:

• Head to your online banking or mobile app.

• Search for “Card Controls” or “Spending Limits”.

• Find the category “Gambling” or “Entertainment—Gambling” and toggle it on.

Responsible gambling tools

Most licensed casinos will provide a set of responsible gambling tools to help individuals control their gaming. Some of these tools are:

• Deposit limits

• Timeouts

• Self-exclusion

When gambling at online casinos, it is beneficial to be aware of the responsible gambling tools they offer. Knowing what assistance the casino offers will help you with any problems that may arise.

Final thoughts about Klarna casinos

If you are looking for a payment method that will help you juggle financial commitments in the short term, then Klarna could be the system for you; however, please note that the money you save now will need to be repaid at a later date. Using Klarna can be handy if you don’t have access to the full amount. Remember that any money you gamble with, and potentially lose, will need to be repaid eventually.