The debit card with instant benefits

What is the Klarna Card?
The Klarna Card is a flexible payment option that lets you pay directly from your bank account, just like with a debit card, or choose to pay later, online and in-store, helping you stay in control of your finances.

Is the Klarna Card a credit card?
No, the Klarna Card is a debit card, not a credit card.

What's the process to get the Klarna Card?
If you already have a bank account, just confirm a few personal details, and we'll activate your card in minutes.
If you're opening a bank account for the first time and have already verified your identity through Know Your Customer (KYC) checks, you'll simply need to provide a few personal details so we can process your card application.
If you're opening a bank account and haven't verified your identity yet, we'll ask you to do so and provide a few personal details.

Who can get the Klarna Card?
You must be an EU resident with a valid address in France, be at least 18 years old, and have a valid tax or identification number.

Will I receive a new International Bank Account Number (IBAN) when I sign up?
When you open a bank account and apply for the Klarna Card, you'll receive a Swedish IBAN. If you already have a bank account, your current IBAN will stay the same.

Where can I use the Klarna Card?
You can use the Klarna Card anywhere Visa is accepted. A virtual card can be added to your digital wallet (e.g., Apple Pay or Google Pay) for online and in-store contactless payments. A physical Klarna Card is included with a paid Klarna membership.

How do the two payment modes work?
Pay now mode: Add money to your Klarna bank account and pay instantly, just like with a regular debit card.
Pay later mode: Select “Plan a purchase” for your next purchase, then choose to pay using your Klarna balance or a connected card. You need a paid Klarna membership to use Pay later.

How do I switch between Pay now mode and Pay later mode?
It’s quick and easy in the Klarna app. Tap “Plan a purchase” and choose your payment option before your next purchase. After you make a purchase in Pay later mode, your card automatically switches back to Pay now mode.

Do I need money in my Klarna bank account to use the card?
Only in Pay now mode. The card will then use your Klarna balance.
In Pay later mode, you don’t need to have funds available. Fund your instalment payments using your Klarna bank account or a connected card.

Can I change the payment mode after making a purchase?
Not yet. Soon, you’ll be able to switch a purchase from Pay now mode to Pay later mode. For now, make sure you choose the right mode before completing your purchase.

Can I change the amount for a flexible payment option?
Higher amount: Cancel your selected option and start again with the full purchase amount.
Lower amount: You’ll only pay the amount you actually use.

How do automatic top-ups work?
In the Klarna app, tap your Klarna Card, then turn on automatic top-ups. Schedule them at regular intervals or whenever your balance falls below an amount you choose.

When will I be charged in Pay later mode?
Only after you make a purchase and the seller has processed the payment.

How do repayments work in Pay later mode?
Your scheduled repayments are clearly displayed in the Payments tab of the Klarna app, just like any other purchase.

How do I cancel a purchase made in Pay later mode?
In the Klarna app, open the relevant purchase and select “Cancel”.

Are there any fees for using the Klarna Card?
There’s no annual fee, and Pay now mode is free to use. Any fees or interest for Pay later options are clearly shown in the app. Fees may apply if you sign up for a paid Klarna membership.

What happens if a payment fails?
We’ll let you know immediately in the app. Try again or contact our support team.

Can I use my Klarna Card abroad?
Yes. Your card works worldwide, with no foreign exchange fees, for easy, hassle-free purchases.

How can I track my spending?
All your transactions, whether you Pay now or Pay later, are listed in the Klarna app.

Is the Klarna Card secure?
Yes. The card comes with advanced security features, including real-time alerts and the option to freeze it instantly in the Klarna app.