<SEC-DOCUMENT>0000950103-25-014930.txt : 20251118
<SEC-HEADER>0000950103-25-014930.hdr.sgml : 20251118
<ACCEPTANCE-DATETIME>20251118161700
ACCESSION NUMBER:		0000950103-25-014930
CONFORMED SUBMISSION TYPE:	SCHEDULE 13G
PUBLIC DOCUMENT COUNT:		1
FILED AS OF DATE:		20251118
DATE AS OF CHANGE:		20251118

SUBJECT COMPANY:	

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			Klarna Group plc
		CENTRAL INDEX KEY:			0002003292
		STANDARD INDUSTRIAL CLASSIFICATION:	FINANCE SERVICES [6199]
		ORGANIZATION NAME:           	02 Finance
		EIN:				000000000
		STATE OF INCORPORATION:			X0
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		SCHEDULE 13G
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	005-95321
		FILM NUMBER:		251494888

	BUSINESS ADDRESS:	
		STREET 1:		10 YORK ROAD
		CITY:			LONDON
		STATE:			X0
		ZIP:			SE1 7ND
		BUSINESS PHONE:		0046734205795

	MAIL ADDRESS:	
		STREET 1:		10 YORK ROAD
		CITY:			LONDON
		STATE:			X0
		ZIP:			SE1 7ND

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	Klarna UK II plc
		DATE OF NAME CHANGE:	20231205

FILED BY:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			Siemiatkowski Sebastian
		CENTRAL INDEX KEY:			0002097107
		ORGANIZATION NAME:           	

	FILING VALUES:
		FORM TYPE:		SCHEDULE 13G

	MAIL ADDRESS:	
		ADDRESS IS A NON US LOCATION: 	YES
		STREET 1:		10 YORK ROAD
		CITY:			LONDON
		PROVINCE COUNTRY:   	X0
		ZIP:			SE1 7ND
</SEC-HEADER>
<DOCUMENT>
<TYPE>SCHEDULE 13G
<SEQUENCE>1
<FILENAME>primary_doc.xml
<TEXT>
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<?xml version="1.0" encoding="UTF-8"?><edgarSubmission xmlns="http://www.sec.gov/edgar/schedule13g" xmlns:com="http://www.sec.gov/edgar/common">
  <headerData>
    <submissionType>SCHEDULE 13G</submissionType>
    <filerInfo>
      <filer>
        <filerCredentials>
          <!-- Field: Pseudo-Tag; ID: Name; Data: Siemiatkowski Sebastian -->
          <cik>0002097107</cik>
          <ccc>XXXXXXXX</ccc>
        </filerCredentials>
      </filer>
      <liveTestFlag>LIVE</liveTestFlag>



    </filerInfo>
  </headerData>
  <formData>
    <coverPageHeader>
      <securitiesClassTitle>Ordinary Shares, $0.0001 nominal value</securitiesClassTitle>
      <eventDateRequiresFilingThisStatement>09/30/2025</eventDateRequiresFilingThisStatement>
      <issuerInfo>
        <issuerCik>0002003292</issuerCik>
        <issuerName>Klarna Group plc</issuerName>
        <issuerCusip>G5279N105</issuerCusip>
        <issuerPrincipalExecutiveOfficeAddress>
          <com:street1>10 York Road</com:street1>
          <com:city>London</com:city>
          <com:stateOrCountry>X0</com:stateOrCountry>
          <com:zipCode>SE17ND</com:zipCode>
        </issuerPrincipalExecutiveOfficeAddress>
      </issuerInfo>
      <designateRulesPursuantThisScheduleFiled>
        <designateRulePursuantThisScheduleFiled>Rule 13d-1(d)</designateRulePursuantThisScheduleFiled>
      </designateRulesPursuantThisScheduleFiled>
    </coverPageHeader>
    <coverPageHeaderReportingPersonDetails>


      <reportingPersonName>Siemiatkowski Sebastian</reportingPersonName>
      <citizenshipOrOrganization>V7</citizenshipOrOrganization>
      <reportingPersonBeneficiallyOwnedNumberOfShares>
        <soleVotingPower>28555512.00</soleVotingPower>
        <sharedVotingPower>0.00</sharedVotingPower>
        <soleDispositivePower>28555512.00</soleDispositivePower>
        <sharedDispositivePower>0.00</sharedDispositivePower>
      </reportingPersonBeneficiallyOwnedNumberOfShares>
      <reportingPersonBeneficiallyOwnedAggregateNumberOfShares>28555512.00</reportingPersonBeneficiallyOwnedAggregateNumberOfShares>
      <aggregateAmountExcludesCertainSharesFlag>N</aggregateAmountExcludesCertainSharesFlag>
      <classPercent>7.49</classPercent>
      <typeOfReportingPerson>IN</typeOfReportingPerson>
      <comments>Sole Voting Power and Sole Dispositive Power shown in Boxes 5 and 7:

The number of ordinary shares is comprised of (i) 24,564,396 ordinary shares held by Double Sunday AB, (ii) 87,420 ordinary shares held by Flat Capital AB (publ), (iii) 962,460 ordinary shares issuable upon the exercise of options to acquire ordinary shares held by Mr. Siemiatkowski that are currently exercisable, and (iv) 2,941,236 ordinary shares issuable upon the exercise of Class C options to acquire ordinary shares held by Mr. Siemiatkowski that are currently exercisable. Mr. Siemiatkowski controls Double Sunday AB and Flat Capital AB (publ) and as such, he may be deemed to have voting and dispositive power with respect to the shares held by such entities.

On October 30, 2025, Flat Capital AB (publ) acquired all of the shares held by Double Sunday AB.

Under the beneficial ownership rules, the number of ordinary shares beneficially owned by Mr. Siemiatkowski as reported herein does not include ordinary shares issuable upon the vesting of restricted stock units or the exercise of options and warrants that are subject to vesting, settlement or exercise conditions that are not expected to occur within 60 days from September 30, 2025.

Percent of Class Represented by Amount shown in Box 11:

The percentage of ownership set forth above is based on 377,255,045 ordinary shares outstanding as of September 30, 2025.</comments>
    </coverPageHeaderReportingPersonDetails>
    <items>
      <item1>
        <issuerName>Klarna Group plc</issuerName>
        <issuerPrincipalExecutiveOfficeAddress>10 York Road, SE1 7ND London, United Kingdom</issuerPrincipalExecutiveOfficeAddress>
      </item1>
      <item2>
        <filingPersonName>Sebastian Siemiatkowski</filingPersonName>
        <principalBusinessOfficeOrResidenceAddress>c/o Klarna Group plc, 10 York Road, SE1 7ND London, United Kingdom</principalBusinessOfficeOrResidenceAddress>
        <citizenship>Swedish</citizenship>
      </item2>
      <item3>
        <notApplicableFlag>Y</notApplicableFlag>
      </item3>
      <item4>
        <amountBeneficiallyOwned>28,555,512 ordinary shares

Additionally, Mr. Siemiatkowski beneficially owns 24,651,816 Class B shares.  Each Class B share is entitled to 10 votes per share.  Class B shares are not transferable and are not exchangeable for or convertible into ordinary shares. Following certain transfers of interests in ordinary shares by holders of Class B shares or their affiliates, a related number of Class B shares will automatically convert into deferred shares, which have no voting rights. Class B shares automatically convert into deferred shares in certain other circumstances as well.</amountBeneficiallyOwned>
        <classPercent>7.49%</classPercent>
        <numberOfSharesPersonHas>
          <solePowerOrDirectToVote>28,555,512</solePowerOrDirectToVote>
          <sharedPowerOrDirectToVote>0</sharedPowerOrDirectToVote>
          <solePowerOrDirectToDispose>28,555,512</solePowerOrDirectToDispose>
          <sharedPowerOrDirectToDispose>0</sharedPowerOrDirectToDispose>
        </numberOfSharesPersonHas>
      </item4>
      <item5>
        <notApplicableFlag>Y</notApplicableFlag>
      </item5>
      <item6>
        <notApplicableFlag>Y</notApplicableFlag>
      </item6>
      <item7>
        <notApplicableFlag>Y</notApplicableFlag>
      </item7>
      <item8>
        <notApplicableFlag>Y</notApplicableFlag>
      </item8>
      <item9>
        <notApplicableFlag>Y</notApplicableFlag>
      </item9>
      <item10>
        <notApplicableFlag>Y</notApplicableFlag>
      </item10>
    </items>
    <signatureInformation>
      <reportingPersonName>Siemiatkowski Sebastian</reportingPersonName>
      <signatureDetails>
        <signature>/s/ Sebastian Siemiatkowski</signature>
        <title>Sebastian Siemiatkowski, Self</title>
        <date>11/18/2025</date>
      </signatureDetails>
    </signatureInformation>
  </formData>
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</SEC-DOCUMENT>
