---
title: "Klarna: Smarter everyday money - Отзывы, Доход и Загрузки приложения in Южно-Африканская Республика | 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 — Южно-Африканская Республика
> Shop anywhere, manage & save

![Klarna App Icon](https://is1-ssl.mzstatic.com/image/thumb/Purple221/v4/20/6e/ec/206eec3d-5769-bf3a-112d-ea9c557993f9/AppIcon-0-0-1x_U007ephone-0-1-0-85-220.png/434x0w.png)

**Developer:** [Klarna Bank](https://apptail.io/ru/developer/klarna-bank-DDQ) (Швеция)
**Category:** Finance
**Rating:** 2.6/5 (274 ratings)
**Price:** Free
**Bundle ID:** com.klarna.app
**Store:** Apple App Store
**Country:** Южно-Африканская Республика
**Version:** 26.23.260 (released 2026-06-08)
**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/za/app/app/id1115120118)
**AppTail Page:** [https://apptail.io/ru/app/klarna-smarter-everyday-money-Xoj/south-africa](https://apptail.io/ru/app/klarna-smarter-everyday-money-Xoj/south-africa)

## 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 Южно-Африканская Республика
- 5 stars: 90 (33%)
- 4 stars: 12 (4%)
- 3 stars: 7 (3%)
- 2 stars: 20 (7%)
- 1 stars: 145 (53%)

## Klarna Reviews in Южно-Африканская Республика

### *---- "Bring Back Stocard!"
This app is a huge disappointment. Stocard worked perfectly, but this one doesn’t even open without data or Wi-Fi. Every time I try, it just asks me to sign in and redirects me to the web browser — which is useless if I don’t have data. I’ve missed out on so many points and discounts because I couldn’t access my card. Honestly, it feels like a waste of time compared to how smooth Stocard was.
-- RubyDoobydooo ...., 2025-09-15

### *---- "Offline access"
I have been embarrassed by this app countless times it signs you out and only realized you need to sign in at the Till if you don’t have internet access you look extremely stupid , now i screenshot my cards and created an album it works better, the other day the cards had no labels you only see the colour of the card then you click to see which card i was looking for,

Contact me i can help develop better than this
-- Chapswag, 2025-09-15

### *---- "Update notification"
Instead of letting me know there’s an update, it just won’t open when I need it the most. Bad client experience.
-- SansMbt, 2025-09-15

### *---- "Recommend not download"
This app always logs you out . And when it’s time to use it at a tilpoint it can’t be accessed and you need to start from the bottom, No easy access like Stocard.
-- centist, 2025-09-13

### *---- "Way to kill an app"
It is a bummer that such a fantastic app was ruined by the need to be online to access loyalty cards.
-- Hnapier123, 2025-09-12

### *---- "Shop now. Pay later?"
It’s just a wallet that requires data to access your card. Old app used to allow cards to be loaded on the Apple wallet. Not this one. Show now pay later? Haven’t seen that
-- nickname unavailble, 2025-09-09

### **--- "Bug"
Interactive widget is blank for me even after reinstalling the app and having cards on the app
Please fix
-- yaseennn, 2025-09-09

### *---- "Horrible app"
App keeps logging itself out when you try to access results in lost points. I’m deleting the app.
-- YozTruly, 2025-09-09

### ***-- "Great, needs some tweaking"
The app is great however it frequently logs out and leaves me unable to access my cards w/o internet connection when I need them most.
-- Vince Mjoli, 2025-09-09

### ***-- "Start-Up Time"
While I have no problem with the overall functionality of the app, my one irritant is how LONG it takes to boot-up and eventually show the cards.

Kindly find a way to shorten this span.
-- Sir Jay Pope, 2025-09-07

### *---- "Useless"
This app is frustrating. We never had an ISSUE AT ALL with Stocard. Get to the shops and the App is failing you. Get your story right and stop apologizing just to dismiss our comments
-- tseknxa, 2025-09-04

### *---- "Lost my cards"
Lost all my cards. Very upset. They were backed up. Why no migration or support?
-- Salols, 2025-09-01

### *---- "Unable to log in no way to bypass previous account details"
Used Klarna when I lived abroad 4/5 years ago in Germany. So I had an existing account back then. Now I have returned to my home country where I can no longer use my Stocard as it’s been replaced with Klarna and I am unable to create a new account with my current mobile number due to my old account having my old German number from 4/5 years ago which I don’t have anymore. No way around it. Downloading a different app to store my loyalty cards digitally.
-- Dashlenny, 2025-08-26

### *---- "Bad"
Stopped a perfectly working app just to give us this klarna problem. You get to a store the app is not working now it’s sending OTPs like crazy
-- cKarnyile, 2025-08-22

### ***-- "Improve please"
The constant need to sign in when accessing the app is inefficient. Please improve and make it accessible even when offline
-- iNthabi, 2025-08-20

### *---- "Worst app"
I miss the Storcard app. This app is dysfunctional
-- _Luya, 2025-08-19

### *---- "Slowww"
Stocard was way better. Simple and faster. Klarna takes way too long to open and just when it does and you tap the required card, a pop-up appears and the cards all shift down.
-- RogWest88, 2025-08-19

### *---- "App not working!"
I cannot open the app to access my cards. No way of contacting someone to assist. Please fix the app so that I can access my loyalty cards.
-- Royco11, 2025-08-17

### **--- "LOST ALL STOCARD CARDS"
This is a massive inconvenience and annoyance, Stocard had all my cards and when you took over, it didn’t give me the option tho transfer them your app. Also why don’t you have carry the Stocard features over like Apple Watch compatible. Massive let down.
-- SafarReviews, 2025-08-15

### *---- "Useless"
This app is such an inconvenience. When I’m out shopping I can’t access my cards when I’m offline. We never had such problems with the other app.
-- Genie2705!, 2025-08-15

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


## Klarna Store Rankings
| Chart | Country | Category | Rank |
|-------|---------|----------|------|
| Топ бесплатных | Португалия | Finance | #2 |
| Топ бесплатных | Швейцария | Finance | #3 |
| Топ бесплатных | Бельгия | Finance | #3 |
| Топ бесплатных | Норвегия | Finance | #3 |
| Топ бесплатных | Финляндия | Finance | #3 |
| Топ бесплатных | Ирландия | Finance | #3 |
| Топ бесплатных | Австрия | Finance | #3 |
| Топ бесплатных | Греция | Finance | #3 |
| Топ бесплатных | Нидерланды | Finance | #4 |
| Топ бесплатных | Дания | Finance | #4 |
| Топ бесплатных | Италия | Finance | #5 |
| Топ бесплатных | Германия | Finance | #5 |
| Топ бесплатных | Швеция | Finance | #5 |
| Топ бесплатных | Венгрия | Finance | #6 |
| Топ бесплатных | Польша | Finance | #6 |
| Топ бесплатных | Великобритания | Finance | #7 |
| Топ бесплатных | Франция | Finance | #9 |
| Топ бесплатных | Канада | Finance | #9 |
| Топ бесплатных | Испания | Finance | #9 |
| Топ бесплатных | Соединенные Штаты | Finance | #15 |
| Топ бесплатных | Новая Зеландия | Finance | #15 |
| Топ бесплатных | Румыния | Finance | #16 |
| Топ бесплатных | Чехия | Finance | #20 |
| Топ бесплатных | Австралия | Finance | #23 |
| Топ бесплатных | Греция | Overall | #30 |
| Топ бесплатных | Швейцария | Overall | #33 |
| Топ бесплатных | Финляндия | Overall | #39 |
| Топ бесплатных | Германия | Overall | #42 |
| Топ бесплатных | Ирландия | Overall | #42 |
| Топ бесплатных | Австрия | Overall | #45 |
| Топ бесплатных | Италия | Overall | #48 |
| Топ бесплатных | Португалия | Overall | #51 |
| Топ бесплатных | Швеция | Overall | #55 |
| Топ бесплатных | Южно-Африканская Республика | Finance | #57 |
| Топ бесплатных | Великобритания | Overall | #57 |
| Топ бесплатных | Норвегия | Overall | #60 |
| Топ бесплатных | Бельгия | Overall | #69 |
| Топ бесплатных | Доминиканская Республика | Finance | #72 |
| Топ бесплатных | Нидерланды | Overall | #85 |
| Топ бесплатных | Испания | Overall | #91 |
| Топ бесплатных | Франция | Overall | #112 |
| Топ бесплатных | Польша | Overall | #121 |
| Топ бесплатных | Венгрия | Overall | #122 |
| Топ бесплатных | Эквадор | Finance | #129 |
| Топ бесплатных | Дания | Overall | #131 |
| Топ бесплатных | Соединенные Штаты | Overall | #136 |
| Топ бесплатных | Чили | Finance | #153 |
| Топ бесплатных | Румыния | Overall | #160 |
| Топ бесплатных | Канада | Overall | #170 |
| Топ бесплатных | Перу | Finance | #176 |
| Топ бесплатных | Мексика | Finance | #184 |
| Топ бесплатных | Новая Зеландия | Overall | #186 |
| Топ бесплатных | Колумбия | Finance | #199 |
| Топ бесплатных | Азербайджан | Finance | #224 |
| Топ бесплатных | Чехия | Overall | #234 |
| Топ бесплатных | Египет | Finance | #259 |
| Топ бесплатных | Австралия | Overall | #289 |
| Топ бесплатных | Бразилия | Finance | #393 |
| Топ бесплатных | Гонконг (САР) | Finance | #443 |
| Топ бесплатных | Малайзия | Finance | #443 |


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## Klarna Available In
- [Соединенные Штаты](https://apptail.io/ru/app/klarna-smarter-everyday-money-Xoj/united-states)
- [Германия](https://apptail.io/ru/app/klarna-smarter-everyday-money-Xoj/germany)
- [Швеция](https://apptail.io/ru/app/klarna-smarter-everyday-money-Xoj/sweden)
- [Великобритания](https://apptail.io/ru/app/klarna-smarter-everyday-money-Xoj/united-kingdom)
- [Италия](https://apptail.io/ru/app/klarna-smarter-everyday-money-Xoj/italy)
- [Норвегия](https://apptail.io/ru/app/klarna-smarter-everyday-money-Xoj/norway)
- [Нидерланды](https://apptail.io/ru/app/klarna-smarter-everyday-money-Xoj/netherlands)
- [Франция](https://apptail.io/ru/app/klarna-smarter-everyday-money-Xoj/france)
- [Канада](https://apptail.io/ru/app/klarna-smarter-everyday-money-Xoj/canada)
- [Австрия](https://apptail.io/ru/app/klarna-smarter-everyday-money-Xoj/austria)
- [Испания](https://apptail.io/ru/app/klarna-smarter-everyday-money-Xoj/spain)
- [Бельгия](https://apptail.io/ru/app/klarna-smarter-everyday-money-Xoj/belgium)
- [Австралия](https://apptail.io/ru/app/klarna-smarter-everyday-money-Xoj/australia)
- [Швейцария](https://apptail.io/ru/app/klarna-smarter-everyday-money-Xoj/switzerland)
- [Финляндия](https://apptail.io/ru/app/klarna-smarter-everyday-money-Xoj/finland)
- [Португалия](https://apptail.io/ru/app/klarna-smarter-everyday-money-Xoj/portugal)
- [Польша](https://apptail.io/ru/app/klarna-smarter-everyday-money-Xoj/poland)
- [Чехия](https://apptail.io/ru/app/klarna-smarter-everyday-money-Xoj/czechia)
- [Греция](https://apptail.io/ru/app/klarna-smarter-everyday-money-Xoj/greece)
- [Дания](https://apptail.io/ru/app/klarna-smarter-everyday-money-Xoj/denmark)
- [Ирландия](https://apptail.io/ru/app/klarna-smarter-everyday-money-Xoj/ireland)
- [Румыния](https://apptail.io/ru/app/klarna-smarter-everyday-money-Xoj/romania)
- [Словакия](https://apptail.io/ru/app/klarna-smarter-everyday-money-Xoj/slovakia)
- [Венгрия](https://apptail.io/ru/app/klarna-smarter-everyday-money-Xoj/hungary)
- [Новая Зеландия](https://apptail.io/ru/app/klarna-smarter-everyday-money-Xoj/new-zealand)
- [Бразилия](https://apptail.io/ru/app/klarna-smarter-everyday-money-Xoj/brazil)
- [Мексика](https://apptail.io/ru/app/klarna-smarter-everyday-money-Xoj/mexico)
- [Индия](https://apptail.io/ru/app/klarna-smarter-everyday-money-Xoj/india)
- [Люксембург](https://apptail.io/ru/app/klarna-smarter-everyday-money-Xoj/luxembourg)
- [Таиланд](https://apptail.io/ru/app/klarna-smarter-everyday-money-Xoj/thailand)
- [Колумбия](https://apptail.io/ru/app/klarna-smarter-everyday-money-Xoj/colombia)
- [Южно-Африканская Республика](https://apptail.io/ru/app/klarna-smarter-everyday-money-Xoj/south-africa)
- [Болгария](https://apptail.io/ru/app/klarna-smarter-everyday-money-Xoj/bulgaria)
- [Ангола](https://apptail.io/ru/app/klarna-smarter-everyday-money-Xoj/angola)
- [Доминиканская Республика](https://apptail.io/ru/app/klarna-smarter-everyday-money-Xoj/dominican-republic)
- [Словения](https://apptail.io/ru/app/klarna-smarter-everyday-money-Xoj/slovenia)
- [Хорватия](https://apptail.io/ru/app/klarna-smarter-everyday-money-Xoj/croatia)
- [Египет](https://apptail.io/ru/app/klarna-smarter-everyday-money-Xoj/egypt)
- [Аргентина](https://apptail.io/ru/app/klarna-smarter-everyday-money-Xoj/argentina)
- [Перу](https://apptail.io/ru/app/klarna-smarter-everyday-money-Xoj/peru)
- [Япония](https://apptail.io/ru/app/klarna-smarter-everyday-money-Xoj/japan)
- [Гонконг (САР)](https://apptail.io/ru/app/klarna-smarter-everyday-money-Xoj/hong-kong)
- [Литва](https://apptail.io/ru/app/klarna-smarter-everyday-money-Xoj/lithuania)
- [Тайвань](https://apptail.io/ru/app/klarna-smarter-everyday-money-Xoj/taiwan)
- [Сенегал](https://apptail.io/ru/app/klarna-smarter-everyday-money-Xoj/senegal)
- [Шри-Ланка](https://apptail.io/ru/app/klarna-smarter-everyday-money-Xoj/sri-lanka)
- [Эквадор](https://apptail.io/ru/app/klarna-smarter-everyday-money-Xoj/ecuador)
- [Латвия](https://apptail.io/ru/app/klarna-smarter-everyday-money-Xoj/latvia)
- [Кипр](https://apptail.io/ru/app/klarna-smarter-everyday-money-Xoj/cyprus)
- [Республика Корея](https://apptail.io/ru/app/klarna-smarter-everyday-money-Xoj/south-korea)
- [Эстония](https://apptail.io/ru/app/klarna-smarter-everyday-money-Xoj/estonia)
- [Кения](https://apptail.io/ru/app/klarna-smarter-everyday-money-Xoj/kenya)
- [Чили](https://apptail.io/ru/app/klarna-smarter-everyday-money-Xoj/chile)
- [Мальта](https://apptail.io/ru/app/klarna-smarter-everyday-money-Xoj/malta)
- [Азербайджан](https://apptail.io/ru/app/klarna-smarter-everyday-money-Xoj/azerbaijan)
- [Малайзия](https://apptail.io/ru/app/klarna-smarter-everyday-money-Xoj/malaysia)
- [Уганда](https://apptail.io/ru/app/klarna-smarter-everyday-money-Xoj/uganda)
- [Гондурас](https://apptail.io/ru/app/klarna-smarter-everyday-money-Xoj/honduras)
- [Северная Македония](https://apptail.io/ru/app/klarna-smarter-everyday-money-Xoj/north-macedonia)
- [Ямайка](https://apptail.io/ru/app/klarna-smarter-everyday-money-Xoj/jamaica)
- [Панама](https://apptail.io/ru/app/klarna-smarter-everyday-money-Xoj/panama)
- [Армения](https://apptail.io/ru/app/klarna-smarter-everyday-money-Xoj/armenia)
- [Иордания](https://apptail.io/ru/app/klarna-smarter-everyday-money-Xoj/jordan)
- [Непал](https://apptail.io/ru/app/klarna-smarter-everyday-money-Xoj/nepal)
- [Суринам](https://apptail.io/ru/app/klarna-smarter-everyday-money-Xoj/suriname)
- [Израиль](https://apptail.io/ru/app/klarna-smarter-everyday-money-Xoj/israel)
- [Парагвай](https://apptail.io/ru/app/klarna-smarter-everyday-money-Xoj/paraguay)
- [Исландия](https://apptail.io/ru/app/klarna-smarter-everyday-money-Xoj/iceland)
- [Намибия](https://apptail.io/ru/app/klarna-smarter-everyday-money-Xoj/namibia)
- [Катар](https://apptail.io/ru/app/klarna-smarter-everyday-money-Xoj/qatar)
- [Гренада](https://apptail.io/ru/app/klarna-smarter-everyday-money-Xoj/grenada)
- [Узбекистан](https://apptail.io/ru/app/klarna-smarter-everyday-money-Xoj/uzbekistan)
- [Бахрейн](https://apptail.io/ru/app/klarna-smarter-everyday-money-Xoj/bahrain)
- [Бермудские о-ва](https://apptail.io/ru/app/klarna-smarter-everyday-money-Xoj/bermuda)
- [Маврикий](https://apptail.io/ru/app/klarna-smarter-everyday-money-Xoj/mauritius)
- [Белиз](https://apptail.io/ru/app/klarna-smarter-everyday-money-Xoj/belize)
- [о-ва Кайман](https://apptail.io/ru/app/klarna-smarter-everyday-money-Xoj/cayman-islands)
- [Уругвай](https://apptail.io/ru/app/klarna-smarter-everyday-money-Xoj/uruguay)
- [Макао (САР)](https://apptail.io/ru/app/klarna-smarter-everyday-money-Xoj/macau)

---

## About AppTail

[AppTail](https://apptail.io/ru) is a mobile app intelligence platform providing app analytics, ASO (App Store Optimization) tools, keyword tracking, competitor analysis, revenue estimates, and review monitoring for iOS App Store apps. Track your app's performance, discover ranking keywords, monitor competitors, and analyze market trends.

- [Search Apps](https://apptail.io/ru)
- [Top Charts](https://apptail.io/ru/top-iphone-apps)
- [Sign Up for Full Access](https://apptail.io/ru/account/signup?utm_campaign=ai-crawl&utm_content=footer)

*Data provided by [AppTail](https://apptail.io/ru) - Mobile App Intelligence Platform*