Klarna balance
One account. Endless possibilities.
Add money in the Klarna app and pay flexibly, everywhere. Plus, get instant refunds, cashback, and interest on your savings.¹
Get started:
¹ Account covered by the Swedish deposit guarantee scheme. Max. compensation per customer: SEK 1,050,000. National Debt Office makes compensation available within 7 business days from the date a right to compensation accrues. Read more
One account. Endless possibilities.
One account for payments, cashback, and instant refunds—designed to give you more control over your money.
Pay fast. Save smart. Earn more.
Enjoy faster payments, smarter savings, and total control over your money.
Grow your money
Save for your goals and dreams while earning interest. Organise your money in different savings accounts—with no fees for deposits and withdrawals.
Add funds instantly
Top-up your balance in seconds with your card or bank account.
Earn cashback
Get cashback when you shop in the Klarna app – convert your points into money in your balance.² With a Klarna membership, you can convert points to airline miles and hotel points.
Enjoy instant refunds
Receive refunds within seconds instead of waiting for days.
Shop with peace of mind
Protect every purchase with buyer protection and safeguard your details with extra security.³
Track payments
View all your purchases and monitor your payment plans directly in the app.
² Earn cashback on Klarna App purchases. Klarna balance 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 and conditions apply.³ Exclusions apply. Learn more.
Getting started is free and fast
Go to app
Open the Klarna app and select the 'Wallet' tab.
Activate balance
Set up a Klarna balance account for free, in minutes.
Add funds
Add money to your balance with your card or via bank transfer.
Security comes as standard
Klarna is a licensed Swedish bank. Your funds are held to the highest banking security standards, with multiple layers of protection.
Built-in security for your money and data.
Insured up to SEK 1,050,000.¹
Secure logins and fraud protection.
Shoppers love Klarna
114 + million people love to shop and pay with Klarna anywhere.
"Fabulous way to spread the cost of shopping. very straight forward to use"
Paul Johnson - 10th of June 2025
"I would recommend Klarna any day, any time. It’s by far the best money app ever made. It’s flexible and easy to use, good financing with tailor made customer support. Use it and you will thank me later"
Solomon - 4th of June 2025
"Klarna are brilliant! Very helpful when I had to send a product back to ebay. Very reassuring and easy to manage payment plan offered.. Also refunded promptly. Very satisfied customer."
Donna - 1st of June 2025
"Excellent customer service. I was so pleased with their efficiency in dealing with my issue."
Kelle S - 3rd of June 2025
"Klarna is my favorite go to pay in installments app. They have a variety of stores that we all love shopping on . As well as paying in store is super easy. They never disappoint, Klarna is my 1st recommendation."
KadijahLove - 8th of February 2025
Customer reviews reflect their personal experience and opinion. Showing our 5-star reviews.
A smarter way to spend and earn
Unlock access to instant refunds, cashback, and interest.
Instant refunds
Skip the usual wait and get fast refunds directly to your balance.
Earn cashback
Get cashback paid out directly into your balance.
Start saving
Move money to a savings account and earn interest.
Frequently asked questions
Questions on how to use Klarna balance? Find your answers below. For any further help or troubleshooting, please contact customer support.
Your Klarna Balance is your in-app account for flexible payments. You can spend it anywhere with your linked Klarna Card or use it to pay existing Klarna orders. Refunds go straight to your balance, and with a membership, you can earn interest (rates vary by plan). You can also convert cashback from in-app shopping directly into your balance.
Access your Klarna balance right in the app. To sign up, we'll ask you to fill in some information to verify your identity. It only takes a few minutes, and you can add money with your debit card.
Klarna Bank AB (publ), trading as Klarna, is authorised/licensed or registered by the Swedish Financial Supervisory Authority (Finansinspektionen) in Sweden and is regulated by the Central Bank of Ireland for conduct of business rules.
Please find our business terms here:
.Yes, you can sign up for Klarna balance for free.
You can earn cashback on your purchases when you shop at participating stores in the Klarna app. Once your cashback is confirmed, it is deposited into your Klarna balance. Make sure to activate your balance, so that any accumulated cashback can be redeemed.
Yes, you can use your balance to settle any Klarna payments early in the app as long as you have enough money in your balance.
By logging in to the
.1. Go to Wallet
2. Select Klarna balance
3. Tap Add money and follow the prompts to transfer funds from a debit card in your name
Yes. You can withdraw money anytime to a connected bank account held in your name.
You can use your Klarna balance to pay for any existing Klarna orders or services:
1. Go to Payments
2. Choose the payment method that works best for you
3. Tap Pay early and select Klarna balance as your funding source
Alternatively, you can choose Klarna balance as your preferred payment option in the store’s checkout.
You have the option to have all your refunds, regardless of the Klarna payment method chosen, credited earlier to your Klarna balance - avoiding lengthy banking processing times. The refunds will be available in your Klarna balance immediately after it has been processed by the merchant. To manage this feature:
1. Go to Wallet
2. Navigate to Settings
3. Tap Manage and toggle on Faster refunds
Get started in minutes
Add money and pay instantly, anywhere. Top up your Klarna balance in seconds and use your card online or in-store. Enjoy fast payments, instant refunds, and cashback straight to your balance.
Get started: