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FX live, 150 of 153 currencies refreshed 27 Sept 2026 from open.er-api.com (exchangerate-api.com). The remainder use a seeded reference rate.
Klarna · launched 2005
Instalment checkout. The merchant carries the credit risk cost in the rate, which is why BNPL prices well above card acquiring, merchants accept it for the conversion and basket-size lift.
Representative of this rail in this market. Directionally useful, but not a quotable rate, confirm with the provider. Source: Klarna published merchant pricing.
In force since 3 Dec 2021
4.43% effective
−10.5% relative · from 3.68%
−23.2% relative · 4 revisions
Online · percentage component
Rates are step functions: each level holds until it is replaced.
Every recorded change, newest first, with the movement from the rate it replaced.
3 Dec 2021 → current
30 Jan 2021 → 3 Dec 2021
21 Dec 2019 → 30 Jan 2021
Funding cost pass-through adjusted.
Online pricing across every country where this method is available, with the cost on a PLN 100.00 payment for comparison.
1 Jan 2019 → 21 Dec 2019
| France |
| 3.29% + €0.26 |
| €3.55 |
| 3.55% |
| 19 Dec 2024 |
| Estimate |
| Germany | 3.29% + €0.26 | €3.55 | 3.55% | 6 Mar 2025 | Estimate |
| Ireland | 3.29% + €0.26 | €3.55 | 3.55% | 14 Jan 2024 | Estimate |
| Italy | 3.29% + €0.26 | €3.55 | 3.55% | 2 Oct 2024 | Estimate |
| Netherlands | 3.29% + €0.26 | €3.55 | 3.55% | 7 Mar 2025 | Estimate |
| New Zealand | 3.29% + NZ$0.52 | NZ$3.81 | 3.81% | 25 Oct 2023 | Estimate |
| Norway | 3.29% + NOK 2.82 | NOK 6.11 | 6.11% | 24 Nov 2021 | Estimate |
| Poland | 3.29% + PLN 1.14 | PLN 4.43 | 4.43% | 3 Dec 2021 | Estimate |
| Spain | 3.29% + €0.26 | €3.55 | 3.55% | 16 Feb 2025 | Estimate |
| Sweden | 3.29% + SEK 2.95 | SEK 6.24 | 6.24% | 1 Dec 2023 | Estimate |
| United Kingdom | 3.29% + £0.22 | £3.51 | 3.51% | 9 Mar 2024 | Estimate |
| United States | 3.29% + $0.30 | $3.59 | 3.59% | 28 Jan 2024 | Estimate |