13 PAÍSES
Sofort by Klarna y cripto
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
Soporte cripto
No soportado nativamente
Cobertura
13 países
Tarifas
Merchants pay 0.9% + €0.25 typical.
Velocidad
Authorisation instant; settlement T+1
Confianza y seguridad
Klarna Bank AB (publ) — Swedish banking licence (Finansinspektionen). Klarna Pay Now operates under PSD2 acros
§ 02 ESPECIFICACIONES
Todo, en una sola tabla.
Cobertura
- Países
- 13
- Regiones fuertes
- UK
- Regiones débiles
- —
Funciones cripto
- Comprar / vender
- No
- Retirar a wallet
- No
- Pagos a comercios
- No
- Activos soportados
- —
Tarifas
- Amigos y familia
- N/A — merchant-only checkout method
- Recibir
- N/A
- Conversión de moneda
- Multi-EUR-currency without FX in eligible markets
Velocidad
- Transferencia típica
- Authorisation instant; settlement T+1
- Transferencia instantánea
- No
- Liquidación cripto
- Most exchanges credit fiat on authorisation
§ 03 PREGUNTAS FRECUENTES
Preguntas frecuentes
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.