The debit card with instant benefits

What is the Klarna Card?
The Klarna Card is a flexible payment option that let's you pay directly from your Klarna balance like a debit card or pay later, online or in-store, giving you more control over 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 Klarna balance account, you’ll just need to confirm a few personal details, and your card will be activated within minutes.
If you’re signing up for Klarna balance for the first time and have already verified your identity (KYC), you will just need to add a few personal details so we can process your card application.
If you’re signing up for Klarna balance and haven’t verified your identity yet, we’ll ask you to verify this, along with adding a few personal details.

Who can get the Klarna Card?
To be eligible, you must be an EU resident with a valid address in Ireland, be at least 18 years old, and have a valid Tax ID or Identification number.

Will I get a new IBAN when signing up for the Klarna Card?
When you sign up for Klarna balance and the Klarna Card, you’ll receive a Swedish IBAN. If you already have a Klarna balance account, your current IBAN will stay the same.

Does the Klarna Card have any monthly or annual fees?
No, there are no monthly or annual charges with the Klarna Card. Charges may apply for using pay later plans.

Where can I use the Klarna Card?
You can use your Klarna Card anywhere Visa is accepted. If you have a virtual card, you can shop online or in-store wherever contactless Visa payments are accepted by adding the card to your digital wallet.

How do the two payment modes work?
Debit mode: Add funds to your Klarna balance and pay instantly with your card as you would with a regular debit card.
Pay later mode: Apply for a pay later plan for your next purchase and choose to pay from your Klarna balance or a connected card.

How do I switch between debit and pay later mode?
Switching is simple and instant in the Klarna app. Just tap "Plan a purchase" and request your preferred payment option before your next purchase. After you complete a pay later purchase, the card is automatically set back to debit mode.

Do I need to have money in my Klarna balance to use the card?
Only for debit mode—the card uses funds from your Klarna balance, just like a regular debit card. For pay later mode, you don’t need money in your Klarna balance. You can choose to fund the payment plan using either your Klarna balance or a connected card.

Can I change the payment mode after I've made a purchase?
Not yet. Soon, you'll be able to convert debit purchases into pay later plans. For now, be sure to select your preferred payment method before completing your purchase.

Can I change the amount in my current pay later plan?
In case of a higher purchase amount: You must cancel the plan you’ve set and then create another plan for the full purchase amount.
In case of a lower purchase amount: No worries, you’ll only be billed for what you end up using.

How do automatic top-ups work?
In the Klarna app, tap your Klarna Card and activate automatic top-ups. Set your top-ups to occur regularly or whenever your balance drops below an amount you choose.

When will I be charged for a pay later plan?
You'll only be charged after you make a purchase and the merchant processes the payment.

How do repayments work with pay later plans?
Your scheduled repayments are clearly shown in the Klarna app Payments tab just like any purchase.

How do I cancel a pay later plan?
In the Klarna app, tap on the plan you created, and select “Cancel plan”.

Are there fees for using the Klarna Card?
There are no annual fees, and using the card in debit mode is free. Pay later options clearly display any fees or interest upfront in the app.

What if a payment doesn't go through?
If a payment fails, we'll immediately notify you in the app. You can retry the payment or easily contact our support team for assistance.

Can I use my Klarna Card abroad?
Yes, your card works internationally, with no foreign exchange fees, making shopping abroad easy and convenient.

How do I track my spending?
All transactions—debit or pay later—are clearly tracked in the Klarna app.

Is the Klarna Card secure?
Yes, your card has robust security features, including real-time alerts and the ability to freeze your card instantly from the Klarna app.