Best Sofort Brokers 2026
Sofort (part of the Klarna Group) was an online direct payment service, where traders could fund their broker accounts using just their online banking details. You may find the Sofort/Klarna logo at some brokers and e-commerce websites, but how does it compare to e-wallets such as PayPal?
Update: Sofort was acquired by Klarna and rebranded as Klarna “Pay Now” (Pay by Bank). While Sofort has been discontinued, some brokers still list ‘Sofort’ as a supported deposit method – something we expect will change. If Sofort isn’t available when you click into the cashier portal, you may be able to select Klarna to complete your bank deposit.
Best Sofort Brokers
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How Did We Choose The Best Sofort Brokers?
To uncover the top Sofort brokers, we:
- Pinpointed which firms offer Sofort out of the 143 online platforms in our database
- Confirmed that they support Sofort deposits for day trading
- Listed them by their overall rating, using over 200 data points and first-hand insights
Overview
In 2014, German payment company, Sofort GmbH, was acquired by Klarna to form the Klarna Group company. Klarna itself was founded in Sweden in 2005. Now one of Europe’s largest payment services, Klarna provides payment solutions to 150 million consumers across 550,000+ merchants in 45 countries.
Sofort, also known as ‘Pay now with Klarna’, was an online payment and leasing service provider which allowed consumers to makes purchases quickly and easily using their online banking details. Consumers enjoyed direct payments, meaning there was no need to enter any card details or to create an account.
Pros Of Trading With Sofort (Now Part of Klarna)
Demo Account
Klarna, as Sofort’s evolution, offers a live practice account which gives you 10 Euros in test money to simulate a quick transfer to a fake account. This is a great way of seeing how easily a transfer can be made and what the process involves.
No Download Required
There’s no download required to make a payment, however, Klarna does have a mobile app that you can download if you want to keep track of your purchases or deposits. This can be accessed quickly with an email address.
No Need To Register
Traders can deposit directly from their bank account to their trading platform without any hassle. This is much more convenient than other payments such as PayPal, for example, which requires you to sign up and then credit your account when you make a purchase.
Fast
The definition and meaning of ‘Sofort’ in German translates to ‘immediately’ or ‘instantly’ in English. Indeed, payments with Sofort/Klarna are instantaneous, which is ideal for those who want to trade quickly after depositing. Bear in mind, though, that some trading brokers may have their own time frames to process deposits and withdrawals.
Trusted & Established
Klarna has been around for over 15 years and is used by millions of consumers globally. Klarna is also backed by investors including Visa and Atomico. Furthermore, the company is partnered with other well-known payment services including Worldpay and is trusted by many merchants and banking providers, such as Transferwise and Western Union.
Multiple Currencies Accepted
Currencies accepted at the Klarna Checkout include AUD, CAD, CHF, PLN, DKK, EUR, GBP, NOK, SEK and USD. This is more than those offered by other methods such as Trustly and are also currencies widely used by traders.
Cons Of Trading With Sofort (Now Part of Klarna)
Mostly European Supported Countries
Klarna supports bank accounts mainly within Europe, including France, Sweden, Finland, Norway, Denmark, German, Austria, Netherlands, Switzerland, Belgium, UK, Italy, Spain, Poland, Australia and the USA. This is rather limited compared to other payment methods, so traders from Russia or Asia, for example, may have to consider other payment providers.
Payment Cancellation Not Possible
Traders should ensure they are entering the correct amount to avoid any delays. Note that you also could request a chargeback with Sofort, as recurring payments or direct debits were not possible. Klarna does allow you to refund payments but you will need to contact your broker for details.
Not Offered By Many Brokers
Despite its convenience and speed, Sofort was not as commonly offered as e-wallets such as Skrill or Neteller. In addition, brokers based outside of Europe, the USA or Australia tended not to offer Sofort. Now Sofort is being replaced by Klarna.
Speed
Making a payment with Sofort was instant, but you had to check with your broker for their own processing times, which could range from a few minutes to days. Sofort also did not require account opening and registration beforehand.
Security
Sofort was designed with security in mind. The online banking login process required a one-time PIN and TAN (confirmation code). This took place exclusively within the Sofort GmbH software and not on the trader’s website, meaning that no sensitive information can be accessed by the broker. These details were also not stored by Klarna or Sofort, so traders can rest assured that their details are safe. The Stripe API is also secure.
Fees & Costs
Sofort did not charge any fees for using their service, however, your broker may have had their own pricing or commission structure. For example, Sofort payments at BDSwiss and ActivTrades were fee-free, whilst InstaForex charged a minimum of $1 on withdrawals.
Was Sofort Good For Day Trading?
Overall, Sofort was an ideal payment choice for traders who value speed, convenience and security. Although it wasn’t the most popular of methods offered by brokers, those that did have access to it could enjoy commission-free deposits and withdrawals. Traders also didn’t need to register an account but they did have the option to download the app if they wished to view their transactions and online transfers.
It’s now a Klarna broker that some traders will use in its place to make deposits to an online trading account in 2026.
FAQ
What Was The Sofort Payment Method For Trading?
Sofort (Pay now with Klarna) was an online direct payment service that allowed active traders to make purchases using their own banking details and fund their live trading accounts.
How Long Did A Sofort Trading Deposit Take?
Sofort payments were instant but processing times for deposits or withdrawals varied from broker to broker. You could find these in your trading platform or by contacting your broker’s customer support team.
Was Sofort Safe To Use At My Broker?
Yes, Sofort by Klarna was secure to use. PIN and TAN codes were never shared with the merchant, nor were your account details. The payment form was also secured with AES 256-bit encryption technology.