Klarna Card vs Novo
Torn between Klarna Card and Novo? The comparison below is built from the same test data we use across the rest of the site.
Klarna Card issues on Visa and Novo on Mastercard; verification is ID + proof at Klarna Card versus Business KYC at Novo.
Klarna Card is the more cost-effective option for everyday spending and travel thanks to its free virtual cards, no monthly fee. Novo still clears the same checkouts in our tests, so match the table to the services you actually pay for.
The short version of the matchup
| Field | Klarna Card | Novo |
|---|---|---|
| Card network | Visa | Mastercard |
| Card type | Fintech Wallet | Digital Bank / Neobank |
| KYC | ID + proof | Business KYC |
| Card issuance fee | Free | Free |
| Monthly fee | Free | Free ($0 monthly, no minimum balance) |
| Top-up fee | — | — |
| FX fee | 0% | — |
| Crypto funding | No | No |
| AI tool support | — | — |
| Risk level | Medium | Low |
| Our rating | 8.6 | 8.3 |
| User reviews | 820 | 926 |
| Best for | App Store / Play · Free issuance | App Store / Play · Free issuance |
A green left edge marks the side that holds the advantage on that row, where the data gives one.
Side by side
- If risk rating weights your choice, Novo is the calmer of the two.
- Neither card dominates every row; the right one depends on which column you care about most.
What sets them apart
Both cards clear the same checkouts in our tests, so the call comes down to cost. Klarna Card is cheaper on issuance (free) and top-ups (no top-up fee), while Novo is worth the premium only for the rows where it leads in the table.
Questions people ask
That depends on what you spend on. Klarna Card scores 8.6/10 against Novo's 8.3/10 in our tests, but the two split on fees, KYC and crypto funding. Read the table above, then match it to the checkouts you actually run.
Klarna Card is the cheaper card to run. Both Klarna Card and Novo issue virtual cards for free; Klarna Card converts currency at 0%.
Klarna Card asks for ID + proof at signup; Novo asks for Business KYC. If a light sign-up is the priority, the one with the lower KYC label is the faster route.
Both show up in 1 of the same test scenarios, including Airbnb. They overlap on a good share of checkouts, so the choice between them matters most on those pages. Where one is accepted and the other is not usually comes down to the billing country and 3-D Secure handling.
Where both show up
Klarna Card and Novo both landed in our top picks for 1 checkouts. Grouped by category so you can jump straight to the one you actually pay for:
🧳 Travel & Productivity 1
Their BIN ranges
Cards issued in 🇺🇸 US — the country guides group every range we track from there.
What our charge log shows
Every count here is a real charge attempt we placed on that range, renewals included, with the gateway response recorded. Weeks tracked is how long the range has been in the programme: