Klarna | Shop now. Pay later.

Klarna Bank AB (publ)

About this app

MANAGE YOUR PAYMENTS.
Get a complete overview of your purchases, upcoming payments, and outstanding balance. Stay on track by activating push notification reminders.

SHOP AT YOUR FAVORITE BRANDS.
Access Klarna's flexible payment options anywhere, and unlock cashback rewards at top stores—exclusively in the Klarna app. You can Pay now, Pay in 4 interest-free payments, Pay in 30 days, or Pay over time.

UP TO 10% CASHBACK.
Shop in the app and earn up to 10% cashback. No confusing points system—just real cash added to your Klarna balance, ready for your next purchase at any store.

GET THE KLARNA CARD.
Use Klarna at the coffee shop, mall, or restaurant—wherever Visa is accepted. Pay later or over time, shop abroad without additional foreign exchange fees, and enjoy no monthly or annual fees.

UNLOCK YOUR KLARNA BALANCE.
Earn money when you shop. Get cashback from Klarna purchases and receive lightning-fast refunds. Open your Klarna balance in minutes for free, add money instantly, and start collecting your cashback.

SHOP NOW. PAY LATER.
Split the cost of your purchase from any Klarna app store into 4 smaller, interest-free payments. And it works just as easily in-store with Apple Pay. So get what you love today and pay later.

NEW DEALS EVERY DAY.
Shop and save with exclusive deals and discounts from all over the world, right in the Klarna app. Find a deal you like, claim it with a tap, and check back tomorrow—new offers are added all the time.

TRACK ALL YOUR DELIVERIES.
Get live updates with delivery times, pickup codes, and even pickup location photos. Track your purchase from store to door in the Klarna app.

HASSLE-FREE RETURNS.
Need to send something back? Report a return right in the app. We’ll pause your purchase so you don’t have to pay in the meantime.

INSTANT SHOPPING CONFIRMATION.
No one likes to wait. When you buy something in the Klarna app, you'll see your purchase just seconds after you place the order.

24/7 CUSTOMER SERVICE.
Use our chat in the Klarna app for round-the-clock service.

// CA resident loans made or arranged pursuant to a California Financing Law license. //

Ratings and reviews

If i were to design an app and service to lose customers, I would model it base on Klarna. Money definitely spent on the appearance of the app as it seems user friendly at first. However, if anything goes wrong with a payment/refund good luck to you trying to sort it out. (was told I would be passed through to a specialist, didn't happen. Then that one would reach out to me within 1-2 days, didn't happen). As I said, good luck if something goes wrong.

I used to use Stocard which had an awesome widget that let me quickly access loyalty cards. Klarna took over Stocard so now I'm forced to use Klarna. Lack of widgets in 2024 makes this app pretty behind the times. Default settings for emails and alerts is on so you have to remember to go disable the many push notifications and emails. Otherwise, app is relatively smooth and allows preference of opening directly to wallet which is nice. Adding and managing cards is pretty easy.

I used to love this app. Told all my friends about it. Made my payments on-time, if not paid off early. Had one issue one time and you are pretty much labeled as no longer worthy (and trust me they always got their money-that wasnt the issue). Started having issue after issue after that. Paid off what I owed and finally gave up using it. Just got a notice (10/15) of some bs reason I was denied something back in JULY. And customer service is zero help. Shame. I really liked it while it lasted.

What's new

Shop smarter in the latest Klarna app. Discover Klarna balance, earn up to 10% cashback, pay flexibly at top brands, and keep track of all your payments. We've also made updates to boost your shopping experience.