---
title: "Klarna: Smarter everyday money - Bewertungen, Einnahmen und Downloads in Tschechien | 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 — Tschechien
> 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/de/developer/klarna-bank-DDQ) (Schweden)
**Category:** Finance
**Rating:** 4.5/5 (21,074 ratings)
**Price:** Free
**Bundle ID:** com.klarna.app
**Store:** Apple App Store
**Country:** Tschechien
**Version:** 26.21.255 (released 2026-05-25)
**Original Release:** 2016-06-22
**Languages:** Dutch, Norwegian Bokmål, Czech, Danish, Finnish, Greek (modern), Hungarian, English, Italian, German, French, Polish, Portuguese, Romanian, Slovak, Swedish

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

## 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 Tschechien
- 5 stars: 16,843 (80%)
- 4 stars: 1,304 (6%)
- 3 stars: 673 (3%)
- 2 stars: 345 (2%)
- 1 stars: 1,909 (9%)

## Klarna Reviews in Tschechien

### *---- "Nahrada stocard -spatna"
Stocard bez varovani prestala fungovat a zmizely mi vsechny karty. Ucet Klarna mam prazdny. Hodne spatna aplikace. Mazu a najdu novou, bohuzel.
-- ˇˇˇˇˇˇˇˇˇˇˇˇˇˇˇ, 2025-01-21

### *---- "Úplně k ničemu"
Převod věrnostních karet ze Stocard nefunguje,ve Stocard se uložené karty a kódy již také nezobrazují,takže jediná šance je nasbírat si nové karty.Ty ale rozhodně nebudu ukládat do Klarny,která je uplně k ničemu
-- vilbar007, 2025-01-21

### *---- "Sdílení"
Nefunguje sdílení karet a kopirování čísla karty
-- fb*€62;+5, 2025-01-21

### *---- "No app for Apple Watch"
No app for Apple Watch, that is step back for former Stocard users. Now is no way for watch-only shopping (without phone in my pocket).
-- Macek93, 2025-01-20

### *---- "Forced to go from Stocard (card storage) to Klarna (payment app without widget)"
Did not need ‘new app’ for card storage, just to find out you can pay with the app (not why I had the original app) and there is NO WIDGET for the main screen… therefore it is useless and I will save my cards somewhere else
-- Zdenek137, 2025-01-20

### *---- "Apple watch"
Why can I not use your app over Apple watch?
-- Kowalski791, 2025-01-19

### *---- "Can’t search in loyalty cards"
It is very very unpleasant when I’m standing in front of cash desk and have to roll thru all my cards  and search a particular one. 
Please add a search bar!!!
Stocard app was also able to use gps, locate where I am and make suggestion about the loyalty cards.
-- Cír, 2025-01-19

### **--- "Neprehlednost"
Jelikoz mam hodne karet, chybu mi funkce vyhledavani v kartach, jak ti mela aplikace stocard predtim. Je to velmi otravná aplikace
-- Gejsa69, 2025-01-19

### *---- "Bez Widgetu"
zbytečná aplikace.
-- vladislavblack, 2025-01-19

### *---- "why???? I loved my Stocard"
This is ridiculous, why no apple watch app? Why you force me to use such a bad app as Klarna? I will never use your financial services. Let us have Stocard again 😠 Leaving!!!!!
-- aninkas, 2025-01-19

### *---- "Strašný"
Aplikace degraduje Stocard , od roku 2021 neschopnost vyrobit funkční aplikaci , k čemu mit peněženku na věrnostní karty která se snaží jen vytahat co nejvíc informací k nabídce nakupu, či zadlužení odkladem plateb .. ne dekuji. Jsem zvědavý jak problémové bude zrušit účet u klarna.
-- Lombardoo, 2025-01-19

### *---- "ByBye Klarna"
No widgets. I used stockard and you ruined it. Goodbye!
-- Lazybrute94, 2025-01-18

### *---- "Tragédie"
Tragédie, přesouvám se ze stocard k jiné aplikaci
-- Seban1234, 2025-01-18

### *---- "Špatně"
Neumí widget
-- Kerles001, 2025-01-18

### *---- "Where is my Stocard?!"
What I need is just to store my shop cards. Nothing else! Klarna seems to be what I really don’t want to use.
-- bubo 34, 2025-01-18

### *---- "Downgrade from Stocard"
Horrible transfer experience from Stocard. It was forced, I needed the card at the shop but had to hold up the line because it wouldn’t let me use cards in Stocard. Was forced to register with Klarna and wait for the app to download. 

Klarna is also missing the very convenient iPhone widget that displays latest cards and gives quick access to them without having to first open the app
-- filipv9, 2025-01-17

### *---- "Děs"
Strašné nezaslouží si ani jednu hvězdu, z aplikace Stocard se mi nepřetáhla ani jedna karta a ani se k nim nedostanu.
-- JitkaD., 2025-01-17

### *---- "Bad joke!"
No apple watch app!!!!!
-- Vykuk Riky, 2025-01-17

### *---- "Nepouzitelna aplikace"
Byl jsem premigrovan z aplikace Stocard a chybi widgety a aplikace pro apple watch. Mazu. Nepozitelna aplikace
-- Dcvojta, 2025-01-17

### *---- "Zmena k horsimu"
Oproti Stockard hruza, nejde ns Apple watch, chybi lupa pro vyhledavani.
-- gtdcgg, 2025-01-16

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


## Klarna Store Rankings
| Chart | Country | Category | Rank |
|-------|---------|----------|------|
| Top Kostenlos | Norwegen | Finance | #1 |
| Top Kostenlos | Finnland | Finance | #2 |
| Top Kostenlos | Belgien | Finance | #2 |
| Top Kostenlos | Griechenland | Finance | #2 |
| Top Kostenlos | Österreich | Finance | #2 |
| Top Kostenlos | Portugal | Finance | #2 |
| Top Kostenlos | Italien | Finance | #3 |
| Top Kostenlos | Dänemark | Finance | #3 |
| Top Kostenlos | Schweden | Finance | #3 |
| Top Kostenlos | Irland | Finance | #3 |
| Top Kostenlos | Schweiz | Finance | #3 |
| Top Kostenlos | Polen | Finance | #4 |
| Top Kostenlos | Niederlande | Finance | #4 |
| Top Kostenlos | Vereinigtes Königreich | Finance | #5 |
| Top Kostenlos | Deutschland | Finance | #5 |
| Top Kostenlos | Spanien | Finance | #5 |
| Top Kostenlos | Ungarn | Finance | #6 |
| Top Kostenlos | Frankreich | Finance | #7 |
| Top Kostenlos | Kanada | Finance | #8 |
| Top Kostenlos | Rumänien | Finance | #9 |
| Top Kostenlos | Neuseeland | Finance | #11 |
| Top Kostenlos | Vereinigte Staaten | Finance | #12 |
| Top Kostenlos | Tschechien | Finance | #12 |
| Top Kostenlos | Schweiz | Overall | #22 |
| Top Kostenlos | Australien | Finance | #23 |
| Top Kostenlos | Norwegen | Overall | #28 |
| Top Kostenlos | Griechenland | Overall | #32 |
| Top Kostenlos | Portugal | Overall | #32 |
| Top Kostenlos | Österreich | Overall | #35 |
| Top Kostenlos | Südafrika | Finance | #36 |
| Top Kostenlos | Finnland | Overall | #37 |
| Top Kostenlos | Italien | Overall | #43 |
| Top Kostenlos | Belgien | Overall | #55 |
| Top Kostenlos | Schweden | Overall | #58 |
| Top Kostenlos | Vereinigtes Königreich | Overall | #60 |
| Top Kostenlos | Deutschland | Overall | #61 |
| Top Kostenlos | Irland | Overall | #71 |
| Top Kostenlos | Dominikanische Republik | Finance | #74 |
| Top Kostenlos | Spanien | Overall | #77 |
| Top Kostenlos | Niederlande | Overall | #80 |
| Top Kostenlos | Dänemark | Overall | #90 |
| Top Kostenlos | Frankreich | Overall | #93 |
| Top Kostenlos | Peru | Finance | #103 |
| Top Kostenlos | Polen | Overall | #138 |
| Top Kostenlos | Rumänien | Overall | #141 |
| Top Kostenlos | Vereinigte Staaten | Overall | #144 |
| Top Kostenlos | Ungarn | Overall | #151 |
| Top Kostenlos | Kanada | Overall | #165 |
| Top Kostenlos | Tschechien | Overall | #197 |
| Top Kostenlos | Neuseeland | Overall | #199 |
| Top Kostenlos | Mexiko | Finance | #199 |
| Top Kostenlos | Kolumbien | Finance | #208 |
| Top Kostenlos | Chile | Finance | #215 |
| Top Kostenlos | Israel | Finance | #229 |
| Top Kostenlos | Ecuador | Finance | #242 |
| Top Kostenlos | Aserbaidschan | Finance | #253 |
| Top Kostenlos | Ägypten | Finance | #258 |
| Top Kostenlos | Australien | Overall | #331 |
| Top Kostenlos | Brasilien | Finance | #351 |
| Top Kostenlos | Malaysia | Finance | #375 |
| Top Kostenlos | Südafrika | Overall | #474 |

## Klarna Discovered Keywords
- klar
- pay later
- save for later
- card now

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## Klarna Available In
- [Vereinigte Staaten](https://apptail.io/de/app/klarna-smarter-everyday-money-Xoj/united-states)
- [Deutschland](https://apptail.io/de/app/klarna-smarter-everyday-money-Xoj/germany)
- [Schweden](https://apptail.io/de/app/klarna-smarter-everyday-money-Xoj/sweden)
- [Vereinigtes Königreich](https://apptail.io/de/app/klarna-smarter-everyday-money-Xoj/united-kingdom)
- [Italien](https://apptail.io/de/app/klarna-smarter-everyday-money-Xoj/italy)
- [Norwegen](https://apptail.io/de/app/klarna-smarter-everyday-money-Xoj/norway)
- [Niederlande](https://apptail.io/de/app/klarna-smarter-everyday-money-Xoj/netherlands)
- [Frankreich](https://apptail.io/de/app/klarna-smarter-everyday-money-Xoj/france)
- [Kanada](https://apptail.io/de/app/klarna-smarter-everyday-money-Xoj/canada)
- [Österreich](https://apptail.io/de/app/klarna-smarter-everyday-money-Xoj/austria)
- [Spanien](https://apptail.io/de/app/klarna-smarter-everyday-money-Xoj/spain)
- [Belgien](https://apptail.io/de/app/klarna-smarter-everyday-money-Xoj/belgium)
- [Australien](https://apptail.io/de/app/klarna-smarter-everyday-money-Xoj/australia)
- [Schweiz](https://apptail.io/de/app/klarna-smarter-everyday-money-Xoj/switzerland)
- [Finnland](https://apptail.io/de/app/klarna-smarter-everyday-money-Xoj/finland)
- [Portugal](https://apptail.io/de/app/klarna-smarter-everyday-money-Xoj/portugal)
- [Polen](https://apptail.io/de/app/klarna-smarter-everyday-money-Xoj/poland)
- [Tschechien](https://apptail.io/de/app/klarna-smarter-everyday-money-Xoj/czechia)
- [Griechenland](https://apptail.io/de/app/klarna-smarter-everyday-money-Xoj/greece)
- [Dänemark](https://apptail.io/de/app/klarna-smarter-everyday-money-Xoj/denmark)
- [Irland](https://apptail.io/de/app/klarna-smarter-everyday-money-Xoj/ireland)
- [Rumänien](https://apptail.io/de/app/klarna-smarter-everyday-money-Xoj/romania)
- [Slowakei](https://apptail.io/de/app/klarna-smarter-everyday-money-Xoj/slovakia)
- [Ungarn](https://apptail.io/de/app/klarna-smarter-everyday-money-Xoj/hungary)
- [Neuseeland](https://apptail.io/de/app/klarna-smarter-everyday-money-Xoj/new-zealand)
- [Brasilien](https://apptail.io/de/app/klarna-smarter-everyday-money-Xoj/brazil)
- [Mexiko](https://apptail.io/de/app/klarna-smarter-everyday-money-Xoj/mexico)
- [Indien](https://apptail.io/de/app/klarna-smarter-everyday-money-Xoj/india)
- [Luxemburg](https://apptail.io/de/app/klarna-smarter-everyday-money-Xoj/luxembourg)
- [Thailand](https://apptail.io/de/app/klarna-smarter-everyday-money-Xoj/thailand)
- [Kolumbien](https://apptail.io/de/app/klarna-smarter-everyday-money-Xoj/colombia)
- [Südafrika](https://apptail.io/de/app/klarna-smarter-everyday-money-Xoj/south-africa)
- [Bulgarien](https://apptail.io/de/app/klarna-smarter-everyday-money-Xoj/bulgaria)
- [Angola](https://apptail.io/de/app/klarna-smarter-everyday-money-Xoj/angola)
- [Dominikanische Republik](https://apptail.io/de/app/klarna-smarter-everyday-money-Xoj/dominican-republic)
- [Slowenien](https://apptail.io/de/app/klarna-smarter-everyday-money-Xoj/slovenia)
- [Kroatien](https://apptail.io/de/app/klarna-smarter-everyday-money-Xoj/croatia)
- [Ägypten](https://apptail.io/de/app/klarna-smarter-everyday-money-Xoj/egypt)
- [Argentinien](https://apptail.io/de/app/klarna-smarter-everyday-money-Xoj/argentina)
- [Japan](https://apptail.io/de/app/klarna-smarter-everyday-money-Xoj/japan)
- [Peru](https://apptail.io/de/app/klarna-smarter-everyday-money-Xoj/peru)
- [Sonderverwaltungsregion Hongkong](https://apptail.io/de/app/klarna-smarter-everyday-money-Xoj/hong-kong)
- [Litauen](https://apptail.io/de/app/klarna-smarter-everyday-money-Xoj/lithuania)
- [Taiwan](https://apptail.io/de/app/klarna-smarter-everyday-money-Xoj/taiwan)
- [Senegal](https://apptail.io/de/app/klarna-smarter-everyday-money-Xoj/senegal)
- [Sri Lanka](https://apptail.io/de/app/klarna-smarter-everyday-money-Xoj/sri-lanka)
- [Lettland](https://apptail.io/de/app/klarna-smarter-everyday-money-Xoj/latvia)
- [Zypern](https://apptail.io/de/app/klarna-smarter-everyday-money-Xoj/cyprus)
- [Ecuador](https://apptail.io/de/app/klarna-smarter-everyday-money-Xoj/ecuador)
- [Estland](https://apptail.io/de/app/klarna-smarter-everyday-money-Xoj/estonia)
- [Südkorea](https://apptail.io/de/app/klarna-smarter-everyday-money-Xoj/south-korea)
- [Kenia](https://apptail.io/de/app/klarna-smarter-everyday-money-Xoj/kenya)
- [Chile](https://apptail.io/de/app/klarna-smarter-everyday-money-Xoj/chile)
- [Malta](https://apptail.io/de/app/klarna-smarter-everyday-money-Xoj/malta)
- [Aserbaidschan](https://apptail.io/de/app/klarna-smarter-everyday-money-Xoj/azerbaijan)
- [Malaysia](https://apptail.io/de/app/klarna-smarter-everyday-money-Xoj/malaysia)
- [Uganda](https://apptail.io/de/app/klarna-smarter-everyday-money-Xoj/uganda)
- [Honduras](https://apptail.io/de/app/klarna-smarter-everyday-money-Xoj/honduras)
- [Jamaika](https://apptail.io/de/app/klarna-smarter-everyday-money-Xoj/jamaica)
- [Panama](https://apptail.io/de/app/klarna-smarter-everyday-money-Xoj/panama)
- [Nordmazedonien](https://apptail.io/de/app/klarna-smarter-everyday-money-Xoj/north-macedonia)
- [Jordanien](https://apptail.io/de/app/klarna-smarter-everyday-money-Xoj/jordan)
- [Nepal](https://apptail.io/de/app/klarna-smarter-everyday-money-Xoj/nepal)
- [Armenien](https://apptail.io/de/app/klarna-smarter-everyday-money-Xoj/armenia)
- [Suriname](https://apptail.io/de/app/klarna-smarter-everyday-money-Xoj/suriname)
- [Israel](https://apptail.io/de/app/klarna-smarter-everyday-money-Xoj/israel)
- [Paraguay](https://apptail.io/de/app/klarna-smarter-everyday-money-Xoj/paraguay)
- [Island](https://apptail.io/de/app/klarna-smarter-everyday-money-Xoj/iceland)
- [Usbekistan](https://apptail.io/de/app/klarna-smarter-everyday-money-Xoj/uzbekistan)
- [Katar](https://apptail.io/de/app/klarna-smarter-everyday-money-Xoj/qatar)
- [Grenada](https://apptail.io/de/app/klarna-smarter-everyday-money-Xoj/grenada)
- [Namibia](https://apptail.io/de/app/klarna-smarter-everyday-money-Xoj/namibia)
- [Bermuda](https://apptail.io/de/app/klarna-smarter-everyday-money-Xoj/bermuda)
- [Mauritius](https://apptail.io/de/app/klarna-smarter-everyday-money-Xoj/mauritius)
- [Bahrain](https://apptail.io/de/app/klarna-smarter-everyday-money-Xoj/bahrain)
- [Belize](https://apptail.io/de/app/klarna-smarter-everyday-money-Xoj/belize)
- [Kaimaninseln](https://apptail.io/de/app/klarna-smarter-everyday-money-Xoj/cayman-islands)
- [Uruguay](https://apptail.io/de/app/klarna-smarter-everyday-money-Xoj/uruguay)
- [Sonderverwaltungsregion Macau](https://apptail.io/de/app/klarna-smarter-everyday-money-Xoj/macau)

---

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