Sec Form 3 Filing - Fock David @ Klarna Group plc - 2026-03-12

FORM 3 Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934, Section 17(a) of the Public Utility Holding Company Act of 1935 or Section 30(h) of the Investment Company Act of 1940

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1. Name and Address of Reporting Person Fock David 2. Issuer Name and Ticker or Trading Symbol Klarna Group plc [ KLAR] 5. Relationship of Reporting Person(s) to Issuer (Check all applicable) _____ Director _____ 10% Owner X __ Officer (give title below) _____ Other (specify below) Chief Product Design Officer (Last) (First) (Middle) 10 YORK ROAD 3. Date of Earliest Transaction (MM/DD/YY) 03/12/2026 (Street) LONDON, X0SE1 7ND 4. If Amendment, Date Original Filed (MM/DD/YY) 6. Individual or Joint/Group Filing (Check Applicable Line) __ X __ Form filed by One Reporting Person _____ Form filed by More than One Reporting Person (City) (State) (Zip)

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned 1.Title of Security (Instr. 3) 2. Transaction Date (MM/DD/YY) 2A. Deemed Execution Date, if any (MM/DD/YY) 3. Transaction Code (Instr. 8) 4. Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5) 5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4) 6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4) 7. Nature of Indirect Beneficial Ownership (Instr. 4) Code V Amount (A) or (D) Price Klarna Group plc Ordinary Shares 176,838 ( 1 ) D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned ( e.g. , puts, calls, warrants, options, convertible securities) 1. Title of Derivative Security (Instr. 3) 2. Conversion or Exercise Price of Derivative Security 3. Transaction Date (MM/DD/YY) 3A. Deemed Execution Date, if any (MM/DD/YY) 4. Transaction Code (Instr. 8) 5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4, and 5) 6. Date Exercisable and Expiration Date (MM/DD/YY) 7. Title and Amount of Underlying Securities (Instr. 3 and 4) 8. Price of Derivative Security (Instr. 5) 9. Number of Derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4) 10. Ownership Form of Derivative Security: Direct (D) or Indirect (I) (Instr. 4) 11. Nature of Indirect Beneficial Ownership (Instr. 4) Code V (A) (D) Date Exercisable Expiration Date Title Amount or Number of Shares Larkan AB Restricted Stock Units ( 2 ) ( 2 ) ( 2 ) Klarna Group plc ordinary shares ( 2 ) D Larkan SPV Warrants L4:1 $ 6,885.33 ( 4 ) 09/01/2027 11/15/2027 Klarna Group plc ordinary shares 1,052,412 ( 3 ) D Larkan SPV Warrants L5:2 $ 6,885.33 ( 4 ) 09/01/2027 11/15/2027 Klarna Group plc ordinary shares 1,078,224 ( 5 ) D Larkan SPV Warrants L10:2 $ 6,885.33 ( 4 ) 09/01/2028 11/30/2028 Klarna Group plc ordinary shares 363,720 ( 6 ) D Klarna Group plc Options $ 374.25 ( 4 ) 12/31/2024 06/29/2029 Klarna Group plc ordinary shares 212,520 D Klarna Group plc Options $ 374.25 ( 4 ) 03/05/2025 09/05/2029 Klarna Group plc ordinary shares 211,584 D Klarna Group plc Options $ 748.5 ( 4 ) 03/05/2026 09/05/2029 Klarna Group plc ordinary shares 410,712 ( 7 ) D Klarna Group plc Options $ 1,122.75 ( 4 ) 03/05/2026 09/05/2029 Klarna Group plc ordinary shares 913,020 ( 7 ) D

Reporting Owners Reporting Owner Name / Address Relationships Director 10% Owner Officer Other Fock David 10 YORK ROAD LONDON, X0SE1 7ND Chief Product Design Officer Signatures Boudien Moerman, as attorney-in-fact 03/12/2026 Signature of Reporting Person Date

Explanation of Responses:

( 1 )Includes 27,000 Klarna Group plc ordinary shares (Shares) purchased on March 9, 2026 in open market transactions at a price per ordinary shares of $14.39 (rounded to cents) for an aggregate consideration of $388,552.14. In addition to the ordinary shares reported in this Form 3, the reporting person beneficially owns a number of the Klarna Group plcs (the Issuer) Class B shares equal to the number of ordinary shares so reported. ( 2 )Represents 14,015 restricted stock units in Larkan AB (Larkan), an indirect subsidiary of Klarna Group plc (the Issuer). Once shares of Larkan are delivered in settlement of the restricted stock units, approximately four shares of Larkan are convertible into one Share. Restricted Stock Units in Larkan vest quarterly, at a total vesting of 25% of the initial grant per year. ( 3 )Represents warrants to acquire 87,701 shares of Larkan IV AB, a direct subsidiary of the Issuer. Each underlying share of Larkan IV AB is convertible into approximately twelve Shares based on a formula set forth in the applicable award agreement, resulting in 1,052,412 Shares being subject to the warrant, that is vesting annually by 20% for a period of four years with an additional 20% vesting on August 27, 2027. ( 4 )Value in SEK ( 5 )Represents warrants to acquire 89,852 shares of Larkan V AB, a direct subsidiary of the Issuer. Each underlying share of Larkan V AB is convertible into approximately twelve Shares based on a formula set forth in the applicable award agreement, resulting in 1,078,224 Shares being subject to the warrant, that is vesting annually by 20% for a period of four years with an additional 20% vesting on August 27, 2027. ( 6 )Represents warrants to acquire 30,310 shares of Larkan X AB, a direct subsidiary of the Issuer. Each underlying share of Larkan X AB is convertible into approximately twelve Shares based on a formula set forth in the applicable award agreement, resulting in 363,720 Shares being subject to the warrant, that is vesting annually in equal installments over a period of four years. ( 7 )Represents an option to acquire Shares that vest in four equal annual installments beginning on the first anniversary of the grant date.

Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.

* If the form is filed by more than one reporting person, see Instruction 4(b)(v).

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