Klarna: Smarter everyday money

Klarna Bank AB (publ)

About this app

FLEXIBLE WAYS TO PAY
Shop anywhere in the app with flexible payment options. Choose to pay in 3 interest-free instalments, pay the full amount, in 30 days or with financing.¹

¹UK: Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. Credit subject to status. Klarna Financing has a representative APR of 21.9% (fixed).

¹Ireland: Please shop responsibly. 18+ ROI residents only. Credit subject to status. APR 0%. Missed payments may incur a fee and affect your ability to use Klarna in the future. T&Cs apply. https://www.klarna.com/ie/terms-and-conditions/.

SHOP WITH THE KLARNA CARD
Pay with Klarna anywhere Visa is accepted. Pay now or pay later with the card. No fees and no credit impact to apply. Unlock exclusive benefits with a membership.²

²UK: Service fee or a paid membership required to access Klarna Card Pay Later plans. Pay in 3 loans with a service fee are regulated credit agreements. Representative APR 38.75%. Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. 18+, UK residents only. Subject to status. Ts&Cs and late fees apply.

²UK & Ireland: Paid membership required for a physical card. A one-time plastic card fee applies. Klarna Membership offered for a monthly fee. Cancel any time in the Klarna app. Exclusions, conditions, and limitations apply to membership benefits like Klarna Membership cashback. Klarna Membership Terms apply. Annual value amount reflects your Membership's total available benefits, such as subscriptions and discounts. Actual results will vary based on benefit usage.

UP TO 10% CASHBACK
Shop in the app and earn up to 10% cashback. Get cashback at hundreds of stores in the app.³

³Klarna Cashback Rewards are awarded as points which can be redeemed for a credit to your Klarna balance and other benefits. Earn cashback on Klarna App purchases. Klarna balance account required to receive cashback. Cashback issuance depends on store approval and may be affected by cookie settings, combining offers, product exclusions, or other factors beyond our control. Limitations, terms, and conditions apply.
UK: https://cdn.klarna.com/1.0/shared/content/legal/terms/en-GB/cashback
Ireland: https://cdn.klarna.com/1.0/shared/content/legal/terms/en-IE/cashback

UNLOCK YOUR KLARNA BALANCE
Add money to your balance and pay flexibly, anywhere you shop. Get instant refunds, earn cashback at eligible stores, and convert your cashback as a credit in your balance.⁴

⁴Ireland: Account covered by the Swedish deposit guarantee scheme. Max. compensation per customer: SEK 1,150,000. National Debt Office makes compensation available within 7 business days from the date a right to compensation accrues. Read more here: https://www.riksgalden.se/en/our-operations/deposit-insurance.

KLARNA MOBILE

Get unlimited 5G for just £15/month.⁵ No hassle, cancel anytime.⁶

⁵UK: Klarna Mobile is provided by Gigs, and uses the Vodafone network. Klarna acts as an agent on Gigs' behalf. Klarna Mobile Subscription Terms and Gigs' End User Service Agreement apply: https://cdn.klarna.com/1.0/shared/content/legal/terms/en-GB/KlarnaMobile. Unlimited data is subject to Gigs' Acceptable Use Policy: https://gigs.com/legal/uk-end-user-terms/uk-end-user-service-agreement-appendix-1-gigs-acceptable-use-policy.

⁶UK: You may cancel your subscription at any time in the Klarna app. If you cancel, your plan will stay active until the end of your current billing cycle. The cancellation will take effect at the end of your current billing cycle, and you will not be charged for subsequent periods.

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

Ratings and reviews

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.

This is based on the app and not Klarna as a whole. The app is extremely slow and constantly says something went wrong and won't load what is trying to be viewed. This is happening on Android, in my case, specifically on Samsung phones like S25 ultra and Z Fold 6. I'm not sure what needs to be done but an update with a fix to these issues is needed sooner than later.

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.

What's new

The Klarna app puts you in control of your payments, making it easy to manage every purchase in one place. Enjoy flexible payment options that let you shop anywhere—even at stores not partnered with Klarna—and pay in a way that fits your budget. Earn up to 10% cashback on your purchases, view upcoming payments, and stay organized with real-time updates. We've also made some minor updates and fixes.