Stay on top of your money
Discover a smarter way to pay, save, and stay on top of your money. All in one place with Klarna.
Your money treated right
Discover a smarter way to pay, save, and stay on top of your finances. Find everything you need in one place with Klarna.
Trusted by millions worldwide
Your everyday money app
Your everyday money app
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Say yes to more
Upgrade to a membership for extra cashback, travel benefits and lifestyle perks.⁴
Pick how you pay
We've got you covered, however you prefer to pay. Look for the pink badge at checkout or online. Pay online or use your Klarna Card anywhere Visa is accepted.
Shop with built-in security
Your transactions include built-in buyer protection⁶ and advanced fraud prevention. So your money and data stay secure with every spend.
Find better deals, with no extra work
¹ Klarna Cashback Rewards are awarded as points which can be redeemed for a credit to your Klarna bank account and other benefits. Earn cashback on Klarna App purchases when you pay with Klarna. Klarna bank 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, conditions, and points expiration apply.
² Use your card anywhere Visa is accepted.
³ Subject to a creditworthiness assessment.
⁴ Klarna Membership offered for a monthly fee. Cancel any time in the Klarna app. Exclusions, conditions, and limitations apply to membership benefits. Klarna Membership Terms apply.
Klarna Cashback Rewards are awarded as points which can be redeemed for a credit to your Klarna bank account and other benefits. Other limitations, conditions, restrictions and points expiration apply to benefits like Klarna Membership cashback. If you cancel or your renewal payment fails, you will not receive points earned the previous month.
See Membership Benefits Rewards Summary for terms and conditions for subscriptions based on your tier.
Membership Plans get monthly deals at selected stores, one discount per store per monthly billing cycle. Use the Klarna App to pay at the store's checkout. Klarna Deals cannot be combined. Discounts can be modified based on availability, retailer participation, or due to technical issues. Discount will not be reflected in any receipt from the partner store, please refer to your Klarna receipt. Klarna may get a commission.
Insurance and coverage benefits are provided by XCover, a trading name of Cover Genius Europe BV, and subject to the terms, conditions, and exclusions of the policy. See full policy details for coverage information and limitations.
The Cancel For Any Reason service is provided by Klarna and is not insurance. Terms and limits apply.
⁵ Account covered by the Swedish Deposit Guarantee Scheme. Max. compensation per customer: EUR 100,000. Compensation is paid by the Compensation Scheme of German Banks (EdB) and made available within 7 business days from the date the right to compensation accrues. Read more here.
⁶ Exclusions apply. Learn more at https://www.klarna.com/de/kauferschutzrichtlinie/.