What's included in a Klarna membership?
Every Klarna account already comes with ways to pay, like pay now or pay over time¹ and cashback² when you shop in the app. A membership gives you even more value.
Each membership lets you apply for Pay in 3³ when you shop using your Klarna Card or a one-time card at non-integrated merchants.
Depending on your plan, you could also get extra cashback on purchases, access to subscriptions⁴, purchase protection⁵, or travel perks when you need them.
What's already free for every Klarna account
These features come as standard and don't require a membership.
Pay your way: Use Klarna at partner stores, any time you see us at checkout.
Earn cashback in the app: Shop at hundreds of stores in the Klarna app to earn cashback, then redeem it for money added to your Klarna personal account.⁶
Protection and spending tools: Buyer protection⁵ on eligible purchases, plus price alerts, delivery tracking, wishlists, and a full view of your payments in one place.
Once you're ready for more, there's a membership built for how you already shop.
Pick the right membership for you
Klarna Everywhere
Klarna Plus
Klarna Premium
Klarna Max
How to choose
A Klarna membership is designed for people who shop regularly and want to make the most of their benefits. With four tiers to choose from, you can pick the one that best suits how you shop. You can change your membership at any time.
You can cancel at any time in the app. All plans are subject to the conditions and exclusions set out in the terms.
If you shop online a few times a month and want Klarna at its simplest. Pay with your Klarna Card or one-time cards and apply for Pay in 3. One card, one bill – Klarna Everywhere is made for you.
If you regularly pay later at stores beyond Klarna's partner network, whether that’s with big retailers, local shops, or for one-off online purchases, Klarna Plus gives you 0,5 % cashback on eligible purchases, plus 2x cashback at featured stores when you shop in the Klarna app. You’ll also get purchase and price protection, a 30-day price guarantee, and monthly discounts that can quickly add up if you shop often.
If you already pay for several subscriptions covering news, fitness, wellness, and the occasional trip, Klarna Premium brings that spending together. With 14 subscriptions, 1 % cashback plus 3x cashback at featured stores when you shop in the Klarna app, and worldwide travel protection, it’s designed to help you get more from your everyday spending.
If you’re often at the airport, Klarna Max is worth it for the lounge access alone. Unlimited entry to 1,900+ lounges could more than cover the cost of membership in just a couple of trips. On top of that, you’ll get 1,5 % cashback plus 4x cashback at featured stores when you shop in the Klarna app, 5GB of global data each month, and 18 subscriptions. It suits frequent travellers who want more of their spending covered.
The takeaway
Each membership adds value to the Klarna you already use. You can compare all four options on our memberships page.