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Dieser Erfahrungsbericht zu Klarna wurde uns am 19.07.2019 vom Nutzer Medi übermittelt. Er spiegelt seine/ihre Meinung und Erfahrung wider und nicht zwangsläufig die der Redaktion.
Im Juni 2018 eröffnete ich erstmals ein Festgeldkonto bei der Klarna. Den Antrag stellte ich online und machte danach ein Postident. Ca. 1 Woche später war alles erledigt.
Ein Online-Banking existiert bei diesem Angebot nicht.
Ärgerlich fand ich es, als das Konto nun im Juni auslief und ich einer Prolongation zustimmte, weil mir als Bestandskundin ein niedrigerer Zinssatz als meiner Freundin gegeben wurde, die zum gleichen Zeitpunkt als Neukundin ein Konto eröffnete.
Laut Klarna gilt der Zinssatz, der am Tag des Eingangs des vollständigen Anlagebetrages auf dem Klarna-Konto auf der Homepage ausgewiesen ist. In meinem Fall wurde der Zinssatz mit Wirkung zum 11. Juni gesenkt. Am 13. Juni war mein Festgeld fällig und vorher von mir prolongiert worden, also mit dem alten Zinssatz. Am 12. Juni, also 1 Tag nach der Senkung, war der Anlagebetrag meiner Freundin auf dem Konto der Klarna-Bank. Vorher wurde ihr telefonisch zugesichert, dass der vorher gültige und bessere Zinssatz für sie bis zum 14. Juni (also 3 Tage nach Zinssenkung) noch gelten würde. Mein Zinssatz beträgt nun 1,02 % und der meiner Freundin 1,2 %! Daraufhin habe ich telefonisch und schriftlich Reklamationen eingereicht. Bis heute erhielt ich darauf jedoch keine Antwort.
Zwar ist der Service nach meiner Erfahrung gut erreichbar und freundlich, aber nicht kompetent. Diese Arbeitsweise finde ich unseriös.