Products and services

How to use Klarna

Who can use Klarna?
Where can I use Klarna?
Can I buy gift cards with Klarna?
Why was I charged a service fee?
Does Klarna charge an annual fee?
How can I avoid late fees?
Why can't I make payments to Klarna from abroad to pay my invoices?
How can I file a complaint with Klarna?
Is there a guarantee on the products I purchase using Klarna?

Klarna Credit Card

How can I order a Klarna credit card?
Wie bezahlst du deine Käufe mit der Klarna Kreditkarte?
Why was my Klarna Credit Card payment declined?
When will I get my refund to the Klarna Credit Card?
Why can't I get a Klarna Credit Card?
Was musst du tun, wenn deine Klarna Kreditkarte demnächst abläuft?
What is purchase power?
Ich bin bereits Klarna Kreditkarten-Kunde und habe eine Mitteilung zur Mitgliedschaftspflicht erhalten. Was muss ich tun?
What happens to my Klarna Credit Card if I cancel my membership?
How do I unblock my PIN?

Credit score & credit checks

Does Klarna run credit checks and how does that affect my credit score?
Why do I need to sign a credit agreement before using Klarna's credit products?

Payment options

How does financing with Klarna work?
How does Pay in 30 days with Klarna work?
What is Tap to Pay and how does it work?
How does Pay in full with Klarna work?

One-time card

What is the one-time card and how does it work?
What if my purchase amount doesn't match my one-time card value?
What if I never use the one-time card and want to cancel it?
Why was my purchase with the one-time card declined?

Services

How do I turn cookies on and off?
How do I change my data sharing preferences for Sign in with Klarna?
How does Auto-Track work?

Klarna savings account

My fixed savings account is ending soon. What should I do?
Can I convert my Klarna fixed savings account to a Fixed Savings Account+?
Is there online access to my fixed savings account?
Where can I request an annual tax statement?
Are interest rates guaranteed for Klarna fixed savings accounts?
What's a reference account?
What fees apply to fixed savings accounts?
What happens if I urgently need the money before the term ends?
Can I add more money to my deposit?
How can I set up or change a tax exemption order?
When will interest be credited?

Klarna referral and rewards

How do Klarna referrals work?
Who is eligible to refer friends?
Where can I see my reward?
When do I receive my reward?
Why haven't I received my reward?
Is there a maximum number of referrals?
Can I refer someone in a different country?
Can I share my referral link on social media?
How will I know when my friend completes a qualifying purchase?
How can I redeem my reward?
What if my friend uses someone else's referral link?
Does my cashback expire?

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