Klarna Card

About the Klarna Card

What is a Klarna Card?
Is the Klarna Card a Visa card?
Does applying for the Klarna Card affect my credit score?
Who can get the Klarna Card?
Does the Klarna Card have fees?
Where can I use my Klarna Card?

Order & delivery

How do I apply for a Klarna Card?
Do I get a virtual and a physical Klarna Card?
When will my Klarna Card arrive?
Can I order express delivery?
How do I track my Klarna Card delivery status?
Can I change the delivery address for my physical Klarna Card after I've ordered it?
My Klarna Card was delivered to the wrong address—what should I do?

Set up & activation

How do I activate my physical Klarna Card?
How do I activate my virtual Klarna Card?
How do I add my Klarna Card to Apple Wallet or Google Pay?
What is a virtual Klarna Card?
How do I set my Klarna Card as the default in Apple Wallet/Google Pay?
How do I remove my Klarna Card from Apple Wallet/Google Pay?
Can I disable Klarna Card contactless payments?
Can I change my Klarna Card PIN?

Using your Klarna Card

Where can I view my Klarna Card PIN?
Is the PIN the same for my virtual and physical Klarna Card?
Where can I view my Klarna Card details?
How long is my approved Klarna Card Pay later plan active?
How do the different Klarna Card payment methods work?
Do I need a positive Klarna personal account balance to use my Klarna Card?
Can I change the payment mode after placing a purchase with my Klarna Card?
Can I use my Klarna Card for subscriptions and recurring payments?
Can I use my Klarna Card to pay utility bills?
Can I withdraw cash with my Klarna Card at ATMs?
Can I use my Klarna Card for gambling?
How do Klarna Card contactless payments work?
How does 3D Secure work for Klarna Card purchases?

Personal account & top-ups

How do I use Klarna Card debit mode?
How do Klarna personal account automatic top‑ups work?
What happens if my Klarna personal account is negative?
How can I add money to my Klarna personal account?

Using your Pay later plan

Can I change the amount in my current Pay later plan?
Can I change the Klarna Card payment mode after a purchase?
When am I charged for a Klarna Card Pay later plan?
Where can I find my Klarna Card payment schedule?
How do I cancel my Klarna Card plan?
How do I change the payment method for a Klarna Card Pay later plan?
Why was my Klarna Card Pay later purchase charged as Pay in full?
Why was my Klarna Card Pay in full purchase charged as Pay later?
I picked the wrong store in the checkout — does that matter?
Why was my active Klarna Card Pay later plan declined?
Can I use my Pay later plan for multiple purchases?

Payments, holds, & refunds

When will I receive my Klarna Card refund?
Why was I charged more than expected for my Klarna Card purchase?
When will the temporary hold on my Klarna Card be released?
Why do I see duplicate pending Klarna Card transactions?
Why did my Klarna Card online purchase fail?
My payment to Klarna did not go through, what should I do?
Why is my Klarna Card order/payment pending?
Why was my car rental or hotel deposit not reimbursed yet?

Shopping at marketplaces

What is a marketplace?
Can I use my Klarna Card with marketplaces like Amazon and Zalando?
My marketplace order is still processing and stuck —what can I do?
I made a purchase at a marketplace but I don’t see it yet in the Klarna app - what can I do?
How do I create a new Klarna Card Pay later plan while my previous marketplace order is still processing?
The amount for my Klarna Card marketplace purchase looks wrong—how do I fix it?
I see a Klarna Card marketplace order I didn't place, how do I cancel it?

Limits & controls

What is the maximum I can spend on my Klarna Card?
How do I change my debit card limits?

Approvals & declines

How can I improve my chances of approval for a Klarna Card Pay later plan?
I tried to Pay later, but the purchase was declined.
Why was my Klarna Card purchase declined?
What happens if my debt is sent to collections?

Security & fraud

Is the Klarna Card secure?
I lost my Klarna Card, what should I do?

Using the Klarna Card abroad

Can I use my Klarna Card abroad?
Are there any fees when I pay abroad with the Klarna Card?
Where can I see the exchange rate for my payments abroad with the Klarna Card?

Klarna Card lifecycle

How do I freeze or block my Klarna Card?
Why was my Klarna Card frozen?
How do I replace my Klarna Card?
How much does a replacement Klarna Card cost?
How do I cancel my Klarna Card?
What happens if I cancel my Klarna Card?
What should I do if my Klarna Card is about to expire?
My Klarna Card expired but I haven’t received a replacement - what should I do?

Klarna Card disputes

What is a Klarna Card dispute?
Which Klarna Card transactions can be disputed?
Is there a fee associated with disputing a transaction on my Klarna Card?
What is my obligation in a card dispute?
What is my obligation in a Klarna Card dispute?
What should I consider before creating a Klarna Card dispute?
How do I initiate a Klarna Card dispute?
What happens after I initiate a dispute for a Klarna Card transaction?
Can I still use my Klarna Card while a dispute is pending?

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