Klarna | Pay your way

Klarna Bank AB (publ)

About this app

FLEXIBLE WAYS TO PAY
Choose to pay in 4 interest-free payments, pay the full amount, in 30 days or over time.

SHOP ANYWHERE IN THE KLARNA APP
Access Klarna's flexible payment options anywhere - shop at your favorite stores and split your purchase with the payment plan that suits you.

UP TO 10% CASHBACK
Shop in the app and earn up to 10% cashback. Get cashback at hundreds of stores in the app. Not points, just money that you can put towards your next purchase.

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.

USE KLARNA WITH GOOGLE PAY
Split the cost with Klarna on Google Pay, available online and in-app.

UNLOCK YOUR KLARNA BALANCE
Add money in the Klarna app and pay flexibly, everywhere. Plus, get instant refunds and receive cashback directly to your balance.

FIND THE BEST PRICE, EVERY TIME
Search for any product and instantly compare prices across stores.

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.

TRACK ALL YOUR DELIVERIES
Get real-time updates, arrival times, and pickup photos—right in the Klarna app.

24/7 CUSTOMER SERVICE
Use our chat in the Klarna app for 24/7 support.

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

Earn cashback on Klarna App purchases. Klarna balance account required and funds can only be used within Klarna. Cashback issuance depends on store approval and may be affected by cookie settings, combining offers, product exclusions, or other factors beyond our control. Klarna may get a commission. Limitations, terms and conditions apply.
The Klarna Credit Card is issued by WebBank pursuant to a license from Visa U.S.A. Inc.
Terms and Conditions apply to gift certificates/gift cards like Klarna Balance.

The Klarna Credit Card is issued by WebBank pursuant to a license from Visa U.S.A. Inc.

Terms and Conditions apply to gift certificates/gift cards like Klarna Balance.

Google Pay is a trademark of Google LLC.

Ratings and reviews

Don't Order From Amazon With Their Card they declined the rest of an order like the amount didn't exactly match the remainder of the payment plan and Amazon pulled 90 from my bank account. Customer service is some kind of no help AI that told me I should make sure I have enough money in my accounts. Ridiculous. First and last time that I will use for Amazon payments. My day/week was already bad and Klarna just piled on top when it was used to give me a break.

The app itself isn't bad for a BNPL as far as being able to get things. The problem comes in when they continually change your purchasing power for no apparent reason what so ever. when I first started my account I had 450$ and never missed a payment yet somehow as im writing this, im at 200$. this is unlike any BNPL ive ever dealt as all the other will raise your limit for making successful payments and also notify as to why you're getting an increase. probably not gonna use this much anymore.

We were desperately trying to get new tires. I went through every step. Put in the amount and it gave me 4 options. I was IMMEDIATELY declined for 3 of them. But the 4th one approved. Added my bank, got the money, set the appointment for the tires, agreed to the terms & then last second, declined. I get an email explaining & that's fine but why let it go that far? They all declined on the spot why let one go all the way to the end before declining it? So thanks for the false hope. It was great.

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.