It pays to have a membership

¹ Based on the combined value of all Max-tier benefits below — subscriptions, cashback, and banking perks — on a monthly basis, plus lounge access and eSIM value applied once per qualifying trip. Actual value depends on usage.
² Based on the total retail value of all subscription partners included in the Max plan, assuming full use of every included subscription.
³ Based on 1% cashback on an assumed average monthly spend of €1,500. Actual cashback earned depends on your spend and purchase category.
⁴ Based on the average retail cost of comparable airport lounge access per visit, plus the estimated value of medical and rental car coverage, assuming one trip.
⁵ Based on the average retail cost of a comparable prepaid travel eSIM data plan, per trip.
⁶ Based on interest savings and an assumed maximum deposit of €50,000.
⁷ Klarna Travel eSIM is provided by Gigs, with Klarna Technologies AB acting as agent on Gigs' behalf. Klarna Travel eSIM Terms and the Gigs End User Service Agreement apply. Prices vary depending on the destination, data allowance, and plan duration. Find the full price list in the Klarna app.
⁸ Insurance benefits are provided by XCover, a trading name of Cover Genius Europe BV, and are subject to the terms, conditions, and exclusions of the policy. See full policy details for coverage information and limitations.
⁹ For information about the General terms and conditions for subscriptions based on your membership tier, see the overview of membership benefits and rewards.
¹⁰ Paid membership required to earn Klarna Cashback Rewards using your Klarna Card. Klarna Cashback Rewards are awarded as points which can be redeemed for a credit to your Klarna bank account and other benefits. Other restrictions, terms, limits, and point expiration rules. If you cancel or your renewal payment fails, any points earned in the previous month will expire.
¹¹ The account is covered by the Swedish deposit guarantee scheme. The maximum compensation per customer is EUR 100,000. Compensation is paid by the Entschädigungseinrichtung deutscher Banken (EdB) and made available within 7 business days from the date on which the right to compensation arises. More information here.
¹² The annual value amount reflects your membership's total available benefits, such as cashback and discounts. Actual results will vary based on benefit usage.
¹³ A fee may apply if you have a metal card and cancel within 6 months. Learn more.
¹⁴ The Cancel For Any Reason service is provided by Klarna and is not insurance. Terms and limits apply.