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.

DIGITISE YOUR LOYALTY CARDS
Klarna is the official successor to Stocard. Unclutter your wallet by scanning the code on your plastic cards within seconds.

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

Ratings and reviews

I've had a great experience until lately. The app is SUPER slow. I keep getting messages about my info failed to load and to try again later. I uninstalled and reinstalled, but that made no difference. I want to make a payment, but can't with all the glitches. Update: That link requires me to open the essentially useless app, so that doesn't help at all.

WARNING klarna will randomly do duplicate payments already made out again, 6 days later as a "billing error" contacting them will do no good it's a "pre authorization" when it's unexpected and 2 weeks before Christmas this is a massive issue. They've been holding it for a week. They also largely go off your credit score, despite what they say it says "you are denied due to your credit score" for a 500 dollar fridge for example when my spending limit is 1k. On time payments don't benefit you.

Klarna's 4 payment plans suck. What's the point of doing the 4 payments if I'm mostly paying it in the 1st one? Might as well pay for the whole damn thing. Why am I going to pay $6 every two weeks 3 times? That's stupid. You can't even build up credit if they do that. Hate this app still and the services are terrible. Take notes from afterpay.

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.