FLEXIBLE WAYS TO PAY
Choose to pay in 3 interest-free instalments, pay the full amount, in 30 days or with financing.¹
¹ UK: Klarna’s Pay in 3/Pay in 30 days are unregulated credit agreements. Klarna Financing is regulated if it charges interest or lasts over 12 months. It is not regulated if it’s 0% interest and 12 months or less. Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. 18+, UK residents only. Klarna’s Regulated Financing has a representative APR of 21.9% (fixed).
¹ Ireland: 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 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.²
² Klarna 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. 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.
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.³
³ UK & Ireland: A paid Klarna Membership is required for a physical card. 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.
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
⁴ Ireland: Account covered by the Swedish deposit guarantee scheme. Max. compensation per customer: SEK 1,050,000. National Debt Office makes compensation available within 7 business days from the date a right to compensation accrues. Read more here.
USE KLARNA WITH APPLE PAY
Split the cost with Klarna on Apple Pay, available in-store and online.
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.
HideShow More...
Screenshots
Klarna FAQ
Is Klarna free?
Yes, Klarna is completely free and it doesn't have any in-app purchases or subscriptions.
Is Klarna legit?
⚠️ The Klarna app has poor ratings and negative feedback. Users seem unsatisfied with its performance or features.
The previous app was apparently decommissioned and somehow forced me to install this one. Previous app was offering the same experience plus had widgets! Which they were very useful to me. I could tap to a store card on the widget itself rather than opening the app. But this new app does not support widgets apparently. Sadly it is a step back from the old one.
Fuming
Won’t let me use Klarna on the sites I have used before!!!!
Happy Customer
Very Happy Customer
Terrible App
I have tried Klarna for flights and different things for months never works, always says “We couldn't verify your personal information” even though it’s been verified. I contacted customer support, was told I was verified. Just terrible service and app needs to be upgraded or something. How can so many people complain about the same thing without anything being done
Joke app
It seems like this app is just fancy UI and do not provide any value.
I tried to buy 2 times with their installments, but it always errors
It refuses to show how much can I use, even though they know that. How I’m I supposed to use it then, just to try different amounts?? What a joke…
Really disappointed about the lack of transparency, ai chat that replicate FAQs(like I did not read them beforehand )
I would recommend business owners to avoid it, as it’s useless
Forced to switch from Stocard
Was a happy Stocard user until Klarna shut it down and forced users to switch to their app which was bloated with features I didn't want. Wasn't happy that you were required to opt-in to certain tracking features and provide both mobile and email. Uninstalled, deleted Klarna account and found a more suitable loyalty card app that does the basics well without all the tracking.
Terrible!
I have currently ordered a SHEIN order over 550 euro, everything was all good up until Klarna decided to log me out of my account and now I have no way of logging on neither I have a way of paying for it now. Every time I try to log in there’s someone’s random phone number on it which is most definitely not mine or any of my relatives and no option anywhere to report it or change it!!! Don’t bother sending me letters that it’s not payed for if you’re not going to pick up my phone calls and solve the issue!
Would give a minus if I could
I was a Stocard customer, recommended the app to everyone and took all my loyalty cards and kept them there. Safely I thought. I am not impressed with Klarna. I liked Stocard - I went through the suggestion from Stocard to download Klarna app and went through the steps to transfer all the cards automatically (to be pulled over) but bottom line, that did not happen. Klarna customer Service are telling me that I now need to pull all the airlines, grocery, clothing, health store, book and shop cards to manually upload them to Klarna app, which keeps asking me for payment methods too! I don’t think so. It’s been major inconvenience as I probably no longer have half the physical cards. Klarna Not recommended by me.
Where’s the Watch App
Klarna acquired Stocard app. My cards are in the Klarna app now, but there’s no Apple Watch app. I use all the loyalty cards on my watch, I use it for entry to my gym and now I’m back to a plastic card or bringing my phone with me. Severe downgrade!If there’s no Apple watch app, I have no reason to use Klarna. Thanks for ruining a good thing.
App function
The app is not working properly, trying to open any site/shop wil just freeze
This page includes copyrighted content from third parties, shared solely for commentary and research in accordance with fair use under applicable copyright laws. All trademarks, including product, service, and company names or logos, remain the property of their respective owners. Their use here falls under nominative fair use as outlined by trademark laws and does not suggest any affiliation with or endorsement by the trademark holders.