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Your money treated right

Discover a smarter way to pay, save, and stay on top of your finances. Find everything you need in one place with Klarna.

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Trusted by millions worldwide

4,5

Trustpilot rating

years of experience

120m

users worldwide

1,2m+

merchants

Your everyday money app

Tap into flexible payment options, cashback¹, spending insights, and a card that works everywhere.²

Your everyday money app

Tap into flexible payment options, cashback¹, spending insights, and a card that works everywhere.²

Designed around you

Accepted everywhere

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Built to grow

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Clear and simple

Always supported

Choose how you pay. In full, later, or over time.³ Always with clear terms and helpful reminders.
Pay with Klarna wherever you shop, online and in physical stores.
Turn spending into rewards. Earn cashback on purchases, and watch it all stack up.
Track expenses, manage your money, and stay on budget in the app.
Get instant answers from our 24/7 AI assistant, with real human support when you need it.

Explore our offering

Payments

Pay over time with Klarna's flexible payment options.

Pay at checkout

Card

Choose how you pay and take the benefits of Klarna wherever you go.

See Klarna Cards

Memberships

Upgrade to a membership for extra cashback, travel benefits and lifestyle perks.⁴

See memberships

Bank account

Add money in the Klarna app and pay flexibly, everywhere.⁵

Learn more

Cashback

Earn cashback on everyday purchases.

Explore cashback

Shopping

Search to find better prices on your favourite products.

Shop now

Memberships

Say yes to more

Upgrade to a membership for extra cashback, travel benefits and lifestyle perks.⁴

See memberships

Pick how you pay

We've got you covered, however you prefer to pay. Look for the pink badge at checkout or online. Tap with Apple Pay⁶ or use your Klarna Card anywhere Visa is accepted.

Checkout

Klarna app

Klarna Card

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Apple Pay

Shop with built-in security

Your transactions include built-in buyer protection⁷ and advanced fraud prevention. So your money and data stay secure with every spend.

Learn more about security

Real reviews from real people

TrustScore

4.5

620 347 reviews

Customer reviews reflect their personal experience and opinion. Showing our 5-star reviews.

Find better deals, with no extra work

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 Use your card anywhere Visa is accepted. Certain merchant, product, good and service restrictions apply. Some merchants do not accept virtual cards. Physical card only included with a paid Klarna Membership Plan.

³ A credit is a binding commitment that must be repaid. Check your repayment capacity before you commit.

⁴ 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.

Klarna Cashback Rewards are awarded as points which can be redeemed for a credit to your Klarna bank account and other benefits. Other limitations, conditions, restrictions, and points expiration apply to benefits like Klarna Membership cashback.

See Membership Rewards Benefits Summary for terms and conditions for subscriptions and other benefits based on your membership.

Membership Plans get monthly deals at selected stores, one discount per store per monthly billing cycle. Use the Klarna App to pay at the store's checkout. Klarna Deals cannot be combined. Discounts can be modified based on availability, retailer participation, or due to technical issues. Discount will not be reflected in any receipt from the partner store, please refer to your Klarna receipt. Klarna may get a commission.

Insurance and coverage benefits are provided by XCover, a trading name of Cover Genius Europe BV, and subject to the terms, conditions, and exclusions of the policy. See full policy details for coverage information and limitations.

The Cancel For Any Reason service is provided by Klarna and is not insurance. Terms and limitations apply.

⁵ Account covered by the Swedish deposit guarantee scheme. Max. compensation per customer: SEK 1,150,000. National Debt Office makes compensation available within 7 business days from the date a right to compensation accrues. Read more here.

⁶ To use Apple Pay, you need a supported card issued by a participating institution. To check whether your card is compatible with Apple Pay, contact your issuing institution.

Apple Pay is not available in all countries and regions. See the list of countries and regions that support Apple Pay.
Features are subject to change. The availability of features, applications, and services may vary depending on region and language. Specific hardware and software may be required. For more information, see the Feature Availability page.

Installment payments on Apple Pay: Credit offers are not provided by Apple. Subject to eligibility requirements and approval. Apple provides technical services for installment payments on Apple Pay. Apple does not provide financial services. All lending and payment services are provided to you by the relevant card issuer and credit provider. This feature is not available in all countries and regions and may not be available for certain types of purchases, such as subscriptions and recurring transactions. Available in-store on iPhone, as well as online and in apps on iPhone or iPad. Software requirements apply. Additional terms may apply. For more information on eligibility requirements and features, see the Apple Pay Instalment payments page.

⁷ Exclusions apply. Learn more at https://www.klarna.com/fr/politique-de-protection-de-lacheteur-klarna/.

Your money treated right

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Your everyday money app

Explore our offering

Payments

Card

Memberships

Bank account

Cashback

Shopping

Say yes to more

Pick how you pay

Checkout

Klarna app

Klarna Card

Apple Pay

Shop with built-in security

Real reviews from real people

Find better deals, with no extra work

Trusted by millions worldwide