Your everyday money app
Flexible payments, extra cashback¹, and smarter money management, all in one app.
⭐️ 4,8
655k ratings in the App Store
+120m
shoppers worldwide
A smart app for all things money
Flexible payments
Shop your favorite stores in the Klarna app and pay now, in up to 30 days, in 3 interest-free installments, or spread the cost flexibly over 6–36 months.²
All in one place
Track expenses, manage payments, and stay on top of purchases in one place.
24/7 support
Get support whenever you need and in any language, thanks to our AI assistant.
More rewards
Turn spending into rewards. Shop in the app to earn up to 9 % cashback at selected stores.
Top security as standard
Your Klarna app is designed with your safety in mind. All transactions come with built-in buyer protection³ and advanced fraud prevention, keeping your money and data secure.
• Passkey login: Sign in with your fingerprint if your device supports it.
• Instant account lock: Something doesn’t look right? Lock your account in seconds.
• Real-time alerts: Stay up to date on important account activity.
Tap into smarter mobile banking
Tap into smarter mobile banking
Earn up to 9 % cashback when you shop
A card, but better
Get even more from your Klarna experience with the Klarna Card and a membership. Enjoy lifestyle subscriptions, travel perks, and extra cashback on every purchase. Choose your membership directly in the Klarna app and manage everything in one place.⁶
Smart shopping features, in one app
Price comparison
Compare prices across multiple stores and find better deals on the brands you love.
Delivery tracking
Never skip an order update. Track your deliveries and returns directly in the app.
Gift cards
Shop a wide selection of gift cards from top brands and choose to pay the flexible way.⁷
Loyalty cards
Keep all your loyalty cards in one place in the app so you never miss a point.
Frequently asked questions
Questions about the Klarna app? Find your answers here. For any further help or troubleshooting, please contact customer service.
Download the app, sign in or create an account, and head to Payments—that’s your home base. From there you can manage payments, track orders, get reminders, and find help if something’s off. If you want to shop, you can also browse stores and offers in the app and choose how you pay at checkout.
Open the Klarna app and go to Payments. There you’ll see your orders, what you’ve paid, and what’s coming up. Tap an order to pay early or switch how you pay. Under Wallet, you can update the cards or bank account you use for Klarna. If something doesn’t look right, you can get help from the same place.
Everything lives under Payments: your orders, delivery updates, and your payment schedule. You can also link your email so tracking and receipts show up automatically. You can also add tracking details yourself if you need to.
Want to earn cashback? Shop with participating retailers in the Klarna app. With a Klarna membership, you’ll also earn rewards on all eligible purchases you pay for with Klarna. Redeem your points for cash paid into your bank account. Members can also exchange their points for partner rewards such as airline miles or hotel points. Explore all redemption options in the Klarna app.
With the Klarna app you’ll keep the whole shopping journey in one place. You can find deals and cashback offers only available to Klarna users, compare prices, and keep track of orders and deliveries, and then manage payments and returns without hopping between emails, tabs, and apps.
Checkout is where you choose Klarna as your payment option for a single purchase. The app is where you manage everything around that purchase, and any others: payment schedules, reminders, order tracking, support, and shopping tools like deals and cashback. If checkout is the moment you pay, the app is how you stay on top of it after.
Yes. Downloading and using the app is free. Some Klarna payment options may have fees or interest depending on the product, merchant, and whether you pay on time—those details are always in the terms for that purchase.
We use strong encryption and fraud monitoring to protect payments and account activity. You can use secure sign-in (like biometrics or passkeys where your device supports them), get alerts when something important happens, and lock your account if you’re worried it’s been compromised.
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 Subject to a creditworthiness assessment.
³ Exclusions apply. Learn more at https://www.klarna.com/de/kauferschutzrichtlinie/.
⁴ 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.
⁵ Paid membership required for a physical card. A one-time plastic card fee applies.
⁶ 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.
⁷ Subject to availability. See gift cards for details, terms, conditions and (if applicable) fees. All trademarks are property of their respective owners. Products subject to availability. Gift card brands featured may not be partners or affiliated with Klarna