13 دولة
Sofort by Klarna والكريبتو
Pan-European bank-transfer-as-checkout
The verdict
7.0 / 10 · CONSIDER
Sofort (now part of Klarna's Pay Now) lets users authenticate to their bank and authorise a real-time transfer at checkout. Used as a fiat on-ramp by EU crypto exchanges including Bitstamp, Bitpanda, and BTC Direct. Lower friction than card; settles next-day to merchant.
◆ BUY IT IF
- Free for consumers
- Real-time bank verification
- No card data exposed to merchant
- Trusted in DACH region
◇ SKIP IT IF
- Settles to merchant T+1 (not instant)
- Migration to EPI/A2A pending — long-term continuity unclear
- Some banks deprecating Sofort access via SCA changes
- Lower coverage outside DACH
§ 01 SCORE BREAKDOWN
Five axes, weighted.
DIMENSION WEIGHT RATING SCORE
دعم الكريبتو
غير مدعوم أصلياً
التغطية
13 دولة
الرسوم
Merchants pay 0.9% + €0.25 typical.
السرعة
Authorisation instant; settlement T+1
الثقة والأمان
Klarna Bank AB (publ) — Swedish banking licence (Finansinspektionen). Klarna Pay Now operates under PSD2 acros
§ 02 المواصفات
كل شيء في جدول واحد.
التغطية
- الدول
- 13
- المناطق القوية
- UK
- المناطق الضعيفة
- —
ميزات الكريبتو
- شراء / بيع
- لا
- السحب إلى المحفظة
- لا
- مدفوعات التجار
- لا
- الأصول المدعومة
- —
الرسوم
- الأصدقاء والعائلة
- N/A — merchant-only checkout method
- الاستلام
- N/A
- تحويل العملة
- Multi-EUR-currency without FX in eligible markets
السرعة
- التحويل النموذجي
- Authorisation instant; settlement T+1
- تحويل فوري
- لا
- تسوية الكريبتو
- Most exchanges credit fiat on authorisation
§ 03 الأسئلة الشائعة
الأسئلة الشائعة
Does Sofort by Klarna support crypto? +
Sofort by Klarna does not natively support buying or selling crypto within the app. However, it may be used as an on-ramp via third-party exchanges that accept Sofort by Klarna payments.
How many countries is Sofort by Klarna available in? +
Sofort by Klarna is available in 13 countries. Strong regions include: UK.
What are Sofort by Klarna's fees for sending money? +
Send to friends/family: N/A — merchant-only checkout method. Receiving: N/A. Currency conversion: Multi-EUR-currency without FX in eligible markets. Merchants pay 0.9% + €0.25 typical.
How fast are Sofort by Klarna transfers? +
Sofort by Klarna offers typical transfer times of Authorisation instant; settlement T+1.