Klarna Card
Pay with the Klarna Card everywhere
Sign up for the Klarna Card and pay the flexible way, anywhere Visa is accepted—online or in-store.¹ Choose debit to pay in real-time from your balance, or pick pay later when you need it.²
Sign up in minutes with no monthly or annual fees.
Apply now:
¹ A paid Klarna Membership is required for a physical card. Klarna Membership offered for a monthly fee. Cancel any time in the Klarna app. Exclusions, conditions, and limitations apply to membership benefits like Klarna Membership cashback. Klarna Membership Terms apply.
² Please shop responsibly. 18+ ROI residents only. Credit subject to status. APR 0%. Missed payments may incur a fee and affect your ability to use Klarna in the future. T&Cs apply.
A debit card that also lets you pay later
You asked. We delivered.
One card, two ways to pay
Debit
A debit card but better
Add money to your Klarna balance and experience lightning-fast payments anywhere Visa is accepted—online and in-store. No card fees or credit checks to apply. Just the debit card you've been waiting for.
Pay later
Pay later with a tap
Want to split your purchase? Simply tap "Plan a purchase" in the app, request the plan that works for you, and use your Klarna Card wherever Visa is accepted.
Say bye to foreign exchange fees
You can use your Klarna Card anywhere in the world Visa is accepted. Shop securely and flexibly at home or abroad, with no foreign exchange fees to apply.
Get started in minutes
Pick your Klarna Card colour and benefits in the app.
Go to the Klarna app
Don’t have the app yet? Download it to get started. Head to the Wallet tab to find your card.
Activate your card
Start by choosing your card colour and follow the steps to activate your card in a few minutes.
Start shopping
Your card is ready to use right away. Add it to your digital wallet to shop anywhere Visa is accepted.
Klarna balance
One account. Endless opportunities.
When you apply for the Klarna Card, you’ll automatically get access to Klarna balance, your built-in money account. Add funds, track your spending, and shop smarter—it all comes together with your card.
Klarna savings accounts
Earn interest on your savings
Grow your money your way in our flexible and fixed savings accounts. No minimum deposits, no management fees—just returns.
The account is covered by the Swedish deposit guarantee scheme in accordance with a decision by the Swedish National Debt Office. The maximum compensation to each customer is SEK 1,150,000 (about EUR 100,000*) and the National Debt Office will make the compensation available for payment within 7 business days of the date the right to compensation commenced. Read more
.*The amount of compensation payable will be determined by the prevailing exchange rate at the time that the payment is made. By way of example, the amount of compensation that would be paid today equates to approximately EUR 100,000 but this figure may fluctuate over time.
Klarna Memberships
Pick a membership plan and your perks
Stay on our free Standard plan, or upgrade your membership plan when you activate your card. Enjoy perks like cashback, interest on your Klarna balance, exclusive deals, and more when you upgrade.
Compare memberships
Max
€44,99/month
Exclusive metal card—signature rose-gold finish
Additional interest on your savings—earn more on your flex savings with 2,25% AER
Dedicated premium support—expert help via phone and chat
1% cashback on every debit purchase—redeem as cash or travel points
Convert cashback to partners—redeem for airline miles or hotel stays
€8 membership credit—every 3 months in partner stores
Damage and theft protection—covered up to €1,500 per eligible claim
Price protection—covered if the price drops within 30 days
Extended warranty—2 years of extra protection
€80 in monthly deals—exclusive savings from top brands
Cancel for any reason—70% back on trips and events canceled ≥ 24 h before
Travel protection—comprehensive coverage for every trip
Unlimited free access to 1,800+ airport lounges
No foreign exchange fees from Klarna
The Times
Digital subscription to The Times and Sunday Times.
+4
Condé Nast
Digital subscriptions to 9 titles including Vogue, GQ, The New Yorker, and more.
Headspace
Access to Headspace premium.
ASMALLWORLD
Complimentary Premium Membership.
ClassPass
20 credits per month.
Blinkist
Access to Blinkist Pro.
Clue
Annual Clue Plus subscription.
Picsart
Complimentary Pro subscription.
The New York Times
Unlimited digital access to News, Games and more.
Laundryheap
€10 monthly credit, every month.
Premium
€17,99/month
Exclusive metal card—two timeless metal styles
Additional interest on your savings—earn more on your flex savings with 1,95% AER
Dedicated premium support—expert help via phone and chat
0,5% cashback on every debit purchase—redeem as cash or travel points
Convert cashback to partners—redeem for airline miles or hotel stays
€8 membership credit—every 3 months in partner stores
Damage and theft protection—covered up to €1,000 per eligible claim
Price protection—covered if the price drops within 30 days
Extended warranty—12 months of extra protection
€80 in monthly deals—exclusive savings from top brands
Travel protection—medical, trip, and baggage coverage
Airport lounge access—discounted entry at €30 per visit
No foreign exchange fees from Klarna
The Times
Digital subscription to The Times and Sunday Times.
Vogue
Digital subscription to Vogue.
Headspace
Access to Headspace premium.
ClassPass
10 credits per month.
Blinkist
Access to Blinkist Pro.
Clue
Annual Clue Plus subscription.
Picsart Plus
Complimentary Plus subscription.
The New York Times
Unlimited digital access to News, Games and more.
GQ
Digital subscription to GQ.
Laundryheap
€10 monthly credit, every month.
Plus
First month free, then € 7,99/month
Physical and digital Visa card—your pick of three styles
Additional interest on your savings—earn more on your flex savings with 1,85% AER
Priority phone support—get help first in the queue
0,5% cashback on every debit purchase—redeem as cash or travel points
Convert cashback to partners—redeem for airline miles or hotel stays
€8 membership credit—every 3 months in partner stores
Damage and theft protection — Covered up to €500 per eligible claim
Price protection—covered if the price drops within 30 days
Extended warranty—2 years of extra protection
€80 in monthly deals—exclusive savings from top brands
Airport lounge access—discounted entry at €35 per visit
No foreign exchange fees from Klarna
ClassPass
5 credits per month.
Epicurios / Bon Appétit
Digital subscriptions to Epicurious and Bon Appétit.
Laundryheap
€10 monthly credit, every month.
Core
First month free, then € 1,99/month
Physical and digital Visa card—your pick of three styles
Dedicated premium support—expert help via phone and chat
Convert cashback to partners—redeem for airline miles or hotel stays
€15 in monthly deals—exclusive savings from top brands
No foreign exchange fees from Klarna
Terms and Conditions apply.³
Frequently asked questions
Questions on the Klarna Card? Find your answers below. For any further help or trouble-shooting, please contact customer service.
What is the Klarna Card?
like a debit card or pay later, online or in-store, giving you more control over your finances.
The Klarna Card is a flexible payment option that let's you pay directly from yourIs 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.
Start shopping with Klarna everywhere
Use your Klarna Card to shop anywhere Visa is accepted worldwide, both online and in-store. No monthly or annual fees, just flexible payments, now in a card.
Apply now:
³ Klarna Cashback Rewards are awarded as points which can be redeemed for a credit to your Klarna balance and other benefits. Other limitations, conditions, and restrictions apply to benefits like Klarna Membership cashback.
Use your card anywhere Visa is accepted.
See
for terms and conditions for subscriptions based on your membership.Protection plans provided by Cover Genius Insurance Services, LLC and administered via our XCover platform. Insurance coverages are subject to the terms, limitations and exclusions in the plan.
.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.
Annual value amount reflects your Membership's total available benefits, such as subscriptions and discounts. Actual results will vary based on benefit usage.
Flex account interest rates subject to change.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
.The Cancel For Any Reason service is provided by Klarna and is not insurance.
Save €8 on your first eligibile purchase available for Plus or higher Membership Plans for orders above €8, using the Klarna app and paying with Klarna at a partner stores’ checkout using the Klarna app. Valid every third month during your eligible active Membership Plan on any purchase for orders above €8. Valid for the relevant billing cycle of your Membership Plan. Excludes purchases made with your Klarna Card, a One-time card and the Klarna Credit Card. If you return all or part of your order and the final amount is below €8, the discount will no longer apply. Klarna Deals cannot be combined and can only be used once. Klarna reserves the right to modify discounts offered 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.
A break fee may apply if you have a metal card and cancel within 6 months.
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