Terms and Conditions

General information

• Klarna Shopping Service (Terms of use for the Klarna Shopping Service, German)

• Privacy notice (Klarna’s Privacy Notice, German)

• Price and fee schedule (Price and fee schedule for Germany, German)

• Auto-Track (Terms and conditions for Auto-Track, German)

Pay now

• Pay by Klarna direct debit (General terms and conditions for direct debit payments, German)

Pay later

• Pay in up to 30 days (General information: Pay in up to 30 days, German)

• Extend the payment period (General information: Extending the payment period, German)

• One-time card (General terms and conditions for Klarna Shopping Service with a one-time card, German)

Pay in instalments

• Pay in 3 interest-free instalments (Terms and conditions for Pay in 3 interest-free instalments, German)

• Financing (Example agreement, German)

• Fixed term loan (Example agreement, English)

• Change payment plan and split into instalments (Example agreement, German)

• Conversion to Fixed-term loan (Example agreement, English)

Cards and accounts

• Klarna Credit Card (General terms and conditions for Klarna Credit Card) (DE / EN)

• Klarna bank account (General pre-contractual information for Klarna bank account) (DE / EN)

• Klarna bank account and Klarna Card (General terms and conditions for Klarna bank account and Klarna Card) (DE /EN)

• Money transfers (General terms and conditions for money transfers) (DE / EN)

• Single Euro Payments Area (SEPA) direct debits (General terms and conditions for SEPA direct debit payments) (DE / EN)

• Klarna Festgeld+ (Pre-contractual information for Klarna Festgeld+) (DE / EN)

• Klarna Festgeld+ (General terms and conditions for Klarna Festgeld+) (DE / EN)

• Klarna Flex Account (Pre-contractual information for the Klarna Flex Account) (DE / EN)

• Klarna Flex Account (General terms and conditions for the Klarna Flex Account) (DE / EN )

• Basic rules governing the relationship between you and the bank
  (General terms and conditions – basic rules) (DE / EN)

• Deposits (Depositor information sheet) (DE / EN)

Mandatory information under the Payment Accounts Act

• Fee information for the basic account (DE / EN)

• Fee information for the Klarna bank account (DE / EN)

• Application for a basic account

• More information about the basic account

• Request to have the account managed as an account pursuant to § 850k ZPO

• Transfer order to settle a garnishment

• Glossary

Account switching service

• Go to the account switching service

• Information about the account switching service