---
title: "Klarna: Smarter everyday money - Reviews, Revenue and Downloads in United Kingdom | Apple App Store"
description: "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  ¹ UK: Klarna’s Pay in 3/"
---

# Klarna: Smarter everyday money — United Kingdom
> Shop anywhere, manage & save

![Klarna App Icon](https://is1-ssl.mzstatic.com/image/thumb/Purple211/v4/94/55/c9/9455c9ff-2fcb-55cc-24de-f2e631252e16/AppIcon-0-0-1x_U007ephone-0-1-0-85-220.png/434x0w.png)

**Developer:** [Klarna Bank](https://apptail.io/developer/klarna-bank-DDQ) (Sweden)
**Category:** Finance
**Rating:** 4.9/5 (477,832 ratings)
**Price:** Free
**Bundle ID:** com.klarna.app
**Store:** Apple App Store
**Country:** United Kingdom
**Version:** 26.21.255 (released 2026-05-25)
**Original Release:** 2016-06-22
**Languages:** English, Czech, Danish, Dutch, Finnish, French, German, Greek (modern), Hungarian, Italian, Norwegian Bokmål, Polish, Portuguese, Romanian, Slovak, Swedish

**App Store Link:** [Download on Apple App Store](https://apps.apple.com/gb/app/app/id1115120118)
**AppTail Page:** [https://apptail.io/app/klarna-smarter-everyday-money-Xoj/united-kingdom](https://apptail.io/app/klarna-smarter-everyday-money-Xoj/united-kingdom)

## Klarna Description
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

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.  

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

² UK: 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.

² 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. 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 

³ 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 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: 
Ireland: 


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 1,150,000. 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 app for 24/7 support.

## Klarna Screenshots
- [Screenshot 1](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/c2/53/a9/c253a93b-3f4f-e8ba-7061-515e54578981/1_-_Smart_shopping_Apple_UK.jpg/1242x2688.png)
- [Screenshot 2](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/25/2e/f7/252ef76d-0614-35ec-a695-cbd8ad6a35f7/2_-_Flexible_Payments_Apple_UK.jpg/1242x2688.png)
- [Screenshot 3](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/1e/df/7c/1edf7c27-4d1b-6831-6b30-8d9f3a06d850/3_-_Klarna_Card_Apple_UK.jpg/1242x2688.png)
- [Screenshot 4](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/4d/8f/83/4d8f83d9-de18-2b2f-1de9-6ed4bc5ff13e/4_-_Memberships_Apple_US.jpg/1242x2688.png)
- [Screenshot 5](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/73/7d/a8/737da8d2-4a45-24b7-6ac1-06a83102ca64/5_-_Cashback_Apple_UK.jpg/1242x2688.png)
- [Screenshot 6](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/67/72/d5/6772d5ca-d3ec-8e5d-ec0d-a29ead36da8d/6_-_Balance_Apple_UK.jpg/1242x2688.png)
- [Screenshot 7](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/18/20/ba/1820bacb-2e6c-3dbb-585e-179f9182cf0e/7_-_EN_Security_Apple.jpg/1242x2688.png)
- [Screenshot 8](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/4d/85/e2/4d85e251-19e0-4e45-affa-5455cc3671f9/8_-_Apple_Pay_Apple_UK.jpg/1242x2688.png)

## Klarna Rating Breakdown in United Kingdom
- 5 stars: 444,036 (93%)
- 4 stars: 18,656 (4%)
- 3 stars: 5,008 (1%)
- 2 stars: 1,984 (0%)
- 1 stars: 8,148 (2%)

## Klarna Reviews in United Kingdom

### *---- "Can’t use Klarna to purchase anything"
It is very difficult these days to use Klarna to purchase things
-- Gangatuali, 2025-01-07

### ***** "Klarna"
If it wasn’t for Klarna I would never been able to do Christmas and I have been late with payments and they are so helpful and understanding.
-- kazinger, 2025-01-06

### *---- "To fumble"
Just all over the place. Tells me everything fine until purchase time.
-- Ideologicduck, 2025-01-05

### ****- "App is a little glitchy"
App a little glitchy otherwise I like using Klarna, gives me peace of mind to know I’m not being scammed
-- JWOODZZZ, 2025-01-05

### *---- "A honest trap"
Coming from someone who’s never been the best with money management, I downloaded Klarna late 2023, I’ve never been good with money and it seemed amazing to be able to afford presents and good items without paying bad interest rates, fast forward to January 2025, I find myself still in debt with Klarna, there’s no credit check ect and someone like me shouldn’t of been able to do this, I’m paying my payments and never using it again 

If your anything like me, stay clear and save up for your products, it’s a trap!
-- Aiden081219, 2025-01-05

### ***** "App"
Ace app when it works
-- starieman, 2025-01-04

### *---- "Security systems not fit for purposes"
I place a lot of time and effect placing an order via this app using multiple forms of id and facial recognition was rubbish. Really unsatisfying.
-- John.p.c, 2025-01-03

### ***** "£££"
Best payment plan by far why get yourself in debt with a credit card so come and join KLARNA 😎
-- C’mon you know, 2025-01-03

### *---- "Awful"
Forced to replace a perfectly good app with one that only works when the signal is good. 3G? Forget it, it doesn't work at anything less than 4G and even then it's touch and go, making it rubbish anywhere out of a town
-- Buzzard131313, 2025-01-03

### *---- "Annoying"
This app used to be a really good app, I liked that me being on a low budget was able to pay in 3 but now it’s just stupid can’t even buy anything around £30/£40. Uninstalled it.
-- @freitasAjames, 2025-01-03

### ***** "Brilliant"
Would be lost without Klarna  use it regularly
-- Mama queen G, 2025-01-02

### *---- "Mr"
It is not working
-- Me man smh, 2025-01-02

### *---- "Adding random charges"
They used to be good, but recently they’ve started adding random charges, definitely deleting once I’ve completed the last payment.
-- Shampoo Lou, 2025-01-01

### *---- "Next to useless"
Nearly every time I go to use this app, it doesn’t load for ages, and then requires me to ‘sign in’ yet again. It is then unresponsive for ages, absolutely not what you want with a checkout queue piling up behind you. Bring back Stocard. I am off to look for a different app.
-- DE@Home, 2024-12-31

### **--- "Useless i can get credit literally anywhere except this app"
Try zilch its much better than klarna and they accept pretty much anyone
-- Kieran2025, 2024-12-30

### **--- "Loyalty cards don’t work"
I haven’t used the app much, but have been struck by some store loyalty cards not being able to be scanned in store. This app replaced the StoCard app which was fantastic at storing all these cards, so I am disappointed Klarna have failed to maintain this function
-- eSque88976, 2024-12-30

### *---- "Struggling to make payment"
The support is not great
-- QB PT, 2024-12-30

### *---- "‘Klarna is unavailable for this purchase’"
‘Klarna is unavailable for this purchase’ but didn’t really explain why. Would be useful to know why.
-- trrt123, 2024-12-29

### ***-- "Klarna"
I’ve used Klarna for a few months now, never once had an issue till recently. The app isn’t recognising my bank card nor will it let me pay for anything using my bank card. My bank card works perfectly fine but for some reason Klarna won’t accept that. Quite upset about it too as I’ve loved Klarna and even suggested it to friends
-- Alia Cunningham, 2024-12-29

### *---- "Stocard"
I just prefer having stocard on a separate app klarna seems slower.
-- Kieranbru1998, 2024-12-28

[View all Klarna reviews and detailed analytics on AppTail](https://apptail.io/account/signup?utm_campaign=ai-crawl&utm_content=reviews)


## Klarna Store Rankings
| Chart | Country | Category | Rank |
|-------|---------|----------|------|
| Top Free | Finland | Finance | #1 |
| Top Free | Norway | Finance | #2 |
| Top Free | Belgium | Finance | #2 |
| Top Free | Switzerland | Finance | #2 |
| Top Free | Portugal | Finance | #3 |
| Top Free | Ireland | Finance | #3 |
| Top Free | Denmark | Finance | #4 |
| Top Free | Netherlands | Finance | #4 |
| Top Free | Austria | Finance | #4 |
| Top Free | Sweden | Finance | #5 |
| Top Free | Italy | Finance | #5 |
| Top Free | Greece | Finance | #7 |
| Top Free | Germany | Finance | #7 |
| Top Free | United Kingdom | Finance | #7 |
| Top Free | Poland | Finance | #8 |
| Top Free | Canada | Finance | #9 |
| Top Free | France | Finance | #9 |
| Top Free | Spain | Finance | #10 |
| Top Free | Hungary | Finance | #12 |
| Top Free | Romania | Finance | #13 |
| Top Free | United States | Finance | #13 |
| Top Free | New Zealand | Finance | #13 |
| Top Free | Czechia | Finance | #19 |
| Top Free | Australia | Finance | #25 |
| Top Free | Finland | Overall | #26 |
| Top Free | Switzerland | Overall | #27 |
| Top Free | Portugal | Overall | #29 |
| Top Free | Norway | Overall | #36 |
| Top Free | Austria | Overall | #42 |
| Top Free | Germany | Overall | #44 |
| Top Free | Sweden | Overall | #46 |
| Top Free | Greece | Overall | #48 |
| Top Free | South Africa | Finance | #50 |
| Top Free | Ireland | Overall | #52 |
| Top Free | United Kingdom | Overall | #52 |
| Top Free | Italy | Overall | #53 |
| Top Free | Belgium | Overall | #55 |
| Top Free | Dominican Republic | Finance | #72 |
| Top Free | Spain | Overall | #72 |
| Top Free | Netherlands | Overall | #79 |
| Top Free | France | Overall | #91 |
| Top Free | Denmark | Overall | #111 |
| Top Free | Poland | Overall | #128 |
| Top Free | United States | Overall | #130 |
| Top Free | Israel | Finance | #144 |
| Top Free | Hungary | Overall | #151 |
| Top Free | Peru | Finance | #155 |
| Top Free | Canada | Overall | #157 |
| Top Free | Romania | Overall | #158 |
| Top Free | Azerbaijan | Finance | #160 |
| Top Free | Colombia | Finance | #202 |
| Top Free | New Zealand | Overall | #205 |
| Top Free | Chile | Finance | #209 |
| Top Free | Mexico | Finance | #212 |
| Top Free | Ecuador | Finance | #215 |
| Top Free | Czechia | Overall | #234 |
| Top Free | Australia | Overall | #309 |
| Top Free | Egypt | Finance | #388 |
| Top Free | Brazil | Finance | #404 |

## Klarna Discovered Keywords
- easymoney invest
- money online
- make free money
- paypal credit
- paypal app
- paypal uk
- paypal
- ebay shopping
- zilch buy now pay later
- humm

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## Klarna Available In
- [United States](https://apptail.io/app/klarna-smarter-everyday-money-Xoj/united-states)
- [Germany](https://apptail.io/app/klarna-smarter-everyday-money-Xoj/germany)
- [Sweden](https://apptail.io/app/klarna-smarter-everyday-money-Xoj/sweden)
- [United Kingdom](https://apptail.io/app/klarna-smarter-everyday-money-Xoj/united-kingdom)
- [Italy](https://apptail.io/app/klarna-smarter-everyday-money-Xoj/italy)
- [Norway](https://apptail.io/app/klarna-smarter-everyday-money-Xoj/norway)
- [Netherlands](https://apptail.io/app/klarna-smarter-everyday-money-Xoj/netherlands)
- [France](https://apptail.io/app/klarna-smarter-everyday-money-Xoj/france)
- [Canada](https://apptail.io/app/klarna-smarter-everyday-money-Xoj/canada)
- [Austria](https://apptail.io/app/klarna-smarter-everyday-money-Xoj/austria)
- [Spain](https://apptail.io/app/klarna-smarter-everyday-money-Xoj/spain)
- [Belgium](https://apptail.io/app/klarna-smarter-everyday-money-Xoj/belgium)
- [Australia](https://apptail.io/app/klarna-smarter-everyday-money-Xoj/australia)
- [Switzerland](https://apptail.io/app/klarna-smarter-everyday-money-Xoj/switzerland)
- [Finland](https://apptail.io/app/klarna-smarter-everyday-money-Xoj/finland)
- [Portugal](https://apptail.io/app/klarna-smarter-everyday-money-Xoj/portugal)
- [Poland](https://apptail.io/app/klarna-smarter-everyday-money-Xoj/poland)
- [Czechia](https://apptail.io/app/klarna-smarter-everyday-money-Xoj/czechia)
- [Greece](https://apptail.io/app/klarna-smarter-everyday-money-Xoj/greece)
- [Denmark](https://apptail.io/app/klarna-smarter-everyday-money-Xoj/denmark)
- [Ireland](https://apptail.io/app/klarna-smarter-everyday-money-Xoj/ireland)
- [Romania](https://apptail.io/app/klarna-smarter-everyday-money-Xoj/romania)
- [Slovakia](https://apptail.io/app/klarna-smarter-everyday-money-Xoj/slovakia)
- [Hungary](https://apptail.io/app/klarna-smarter-everyday-money-Xoj/hungary)
- [New Zealand](https://apptail.io/app/klarna-smarter-everyday-money-Xoj/new-zealand)
- [Brazil](https://apptail.io/app/klarna-smarter-everyday-money-Xoj/brazil)
- [Mexico](https://apptail.io/app/klarna-smarter-everyday-money-Xoj/mexico)
- [India](https://apptail.io/app/klarna-smarter-everyday-money-Xoj/india)
- [Luxembourg](https://apptail.io/app/klarna-smarter-everyday-money-Xoj/luxembourg)
- [Thailand](https://apptail.io/app/klarna-smarter-everyday-money-Xoj/thailand)
- [Colombia](https://apptail.io/app/klarna-smarter-everyday-money-Xoj/colombia)
- [South Africa](https://apptail.io/app/klarna-smarter-everyday-money-Xoj/south-africa)
- [Bulgaria](https://apptail.io/app/klarna-smarter-everyday-money-Xoj/bulgaria)
- [Angola](https://apptail.io/app/klarna-smarter-everyday-money-Xoj/angola)
- [Dominican Republic](https://apptail.io/app/klarna-smarter-everyday-money-Xoj/dominican-republic)
- [Slovenia](https://apptail.io/app/klarna-smarter-everyday-money-Xoj/slovenia)
- [Croatia](https://apptail.io/app/klarna-smarter-everyday-money-Xoj/croatia)
- [Egypt](https://apptail.io/app/klarna-smarter-everyday-money-Xoj/egypt)
- [Argentina](https://apptail.io/app/klarna-smarter-everyday-money-Xoj/argentina)
- [Peru](https://apptail.io/app/klarna-smarter-everyday-money-Xoj/peru)
- [Japan](https://apptail.io/app/klarna-smarter-everyday-money-Xoj/japan)
- [Hong Kong SAR China](https://apptail.io/app/klarna-smarter-everyday-money-Xoj/hong-kong)
- [Lithuania](https://apptail.io/app/klarna-smarter-everyday-money-Xoj/lithuania)
- [Taiwan](https://apptail.io/app/klarna-smarter-everyday-money-Xoj/taiwan)
- [Senegal](https://apptail.io/app/klarna-smarter-everyday-money-Xoj/senegal)
- [Sri Lanka](https://apptail.io/app/klarna-smarter-everyday-money-Xoj/sri-lanka)
- [Latvia](https://apptail.io/app/klarna-smarter-everyday-money-Xoj/latvia)
- [Cyprus](https://apptail.io/app/klarna-smarter-everyday-money-Xoj/cyprus)
- [Ecuador](https://apptail.io/app/klarna-smarter-everyday-money-Xoj/ecuador)
- [Estonia](https://apptail.io/app/klarna-smarter-everyday-money-Xoj/estonia)
- [Kenya](https://apptail.io/app/klarna-smarter-everyday-money-Xoj/kenya)
- [South Korea](https://apptail.io/app/klarna-smarter-everyday-money-Xoj/south-korea)
- [Chile](https://apptail.io/app/klarna-smarter-everyday-money-Xoj/chile)
- [Malta](https://apptail.io/app/klarna-smarter-everyday-money-Xoj/malta)
- [Azerbaijan](https://apptail.io/app/klarna-smarter-everyday-money-Xoj/azerbaijan)
- [Malaysia](https://apptail.io/app/klarna-smarter-everyday-money-Xoj/malaysia)
- [Uganda](https://apptail.io/app/klarna-smarter-everyday-money-Xoj/uganda)
- [Honduras](https://apptail.io/app/klarna-smarter-everyday-money-Xoj/honduras)
- [Jamaica](https://apptail.io/app/klarna-smarter-everyday-money-Xoj/jamaica)
- [Panama](https://apptail.io/app/klarna-smarter-everyday-money-Xoj/panama)
- [North Macedonia](https://apptail.io/app/klarna-smarter-everyday-money-Xoj/north-macedonia)
- [Jordan](https://apptail.io/app/klarna-smarter-everyday-money-Xoj/jordan)
- [Nepal](https://apptail.io/app/klarna-smarter-everyday-money-Xoj/nepal)
- [Armenia](https://apptail.io/app/klarna-smarter-everyday-money-Xoj/armenia)
- [Suriname](https://apptail.io/app/klarna-smarter-everyday-money-Xoj/suriname)
- [Israel](https://apptail.io/app/klarna-smarter-everyday-money-Xoj/israel)
- [Paraguay](https://apptail.io/app/klarna-smarter-everyday-money-Xoj/paraguay)
- [Iceland](https://apptail.io/app/klarna-smarter-everyday-money-Xoj/iceland)
- [Uzbekistan](https://apptail.io/app/klarna-smarter-everyday-money-Xoj/uzbekistan)
- [Qatar](https://apptail.io/app/klarna-smarter-everyday-money-Xoj/qatar)
- [Grenada](https://apptail.io/app/klarna-smarter-everyday-money-Xoj/grenada)
- [Namibia](https://apptail.io/app/klarna-smarter-everyday-money-Xoj/namibia)
- [Bermuda](https://apptail.io/app/klarna-smarter-everyday-money-Xoj/bermuda)
- [Mauritius](https://apptail.io/app/klarna-smarter-everyday-money-Xoj/mauritius)
- [Bahrain](https://apptail.io/app/klarna-smarter-everyday-money-Xoj/bahrain)
- [Belize](https://apptail.io/app/klarna-smarter-everyday-money-Xoj/belize)
- [Cayman Islands](https://apptail.io/app/klarna-smarter-everyday-money-Xoj/cayman-islands)
- [Uruguay](https://apptail.io/app/klarna-smarter-everyday-money-Xoj/uruguay)
- [Macao SAR China](https://apptail.io/app/klarna-smarter-everyday-money-Xoj/macau)

---

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