Secure and private. By design.

When you use Klarna, there are two ways we can receive your personal data: 

1. Personal data that you provide to us. This includes, for example, your contact- and identification information or your payment information.

2. Personal data that we collect about you from a variety of sources. We receive information from credit and fraud prevention agencies, stores, or public databases, among others. This can include name, date of birth, place of birth, financial information, or how you use our service. 

As we continuously work to elevate your shopping experience, we may use your data for a variety of reasons, for example: 

• Verify your identity when you use our services or contact us

• Engage with you as a customer

• Provide you with the services you requested

• Give you an overview on your financial situation

• Understand your eligibility for Klarna products and services

• Communicate information on the products we offer

• Conduct customer satisfaction survey

• Carry out credit and fraud assessments

• Perform debt collection service

• Prevent IT attack

• Meet regulatory and legal requirements

For more detailed information about the different reasons for collecting and using each type of your data, see our

We value and respect your data, and always seek to improve your everyday interactions with us. Here are key ways your personal data, once shared with us, serves to benefit you:

• Paying with Klarna: We perform internal and third-party credit checks, gather contact and ID information, and analyse interactions with Klarna to understand your eligibility for our products and services.

• Autofill: We offer the option to save your contact, ID, and payment details for faster transactions. You can always opt-out in 'autofill settings' during checkout or via a form.

• Klarna App: We collect data on app interactions, past purchases, linked bank transactions, and preferred items to enhance the app experience and provide personalised offerings like tracking deliveries, price drop notifications, and financial overview.

• Support: We gather contact and ID details and document past conversations to ensure efficient, personalised support and faster response times.

• Safe shopping: We record contact and ID information, financial details, device data, and interaction information to protect against fraud and money laundering. 

• Communication and Offers: We keep records of prior purchases, interactions, and device details to send updates, offers, and product recommendations.

For more detailed information on how we process your data, see our

Your information security and privacy is the most important to us at Klarna. These are some of the measures we take in our approach to protect your data:

• Investment in State-of-the-art Systems: Our advanced security infrastructure vigilantly monitors our ecosystem, identifying any suspicious activity.

• Proactive Risk Management: Before developing our products, we conduct rigorous risk assessments and implement preventive measures to maintain robust security.

• Data Encryption: We utilise appropriate encryption techniques to protect your data from unauthorised access.

• Limited Access within the organisation: We ensure that only authorised individuals have access to your data.

• Compliance with Regulations: As a finance institution, we are subject to regular external audits which scrutinise our security protocols to maintain the highest standards.

There are a number of ways you can control the data we collect as well as the way we use it.

• Autofill: Within the Klarna App you can choose to opt out of the Autofill feature which automatically fills in relevant information when you make future purchases. You can choose to opt out of this feature in the ‘Autofill settings’ during address registration in your purchase checkout or reviewing our support section below.

• Marketing communication: In order to unsubscribe from marketing send-outs you can easily click on the ‘unsubscribe’ link at the bottom of each email. You can also opt out through the settings in the Klarna App under ‘Communication preferences’, or reach out to us via email stating your wish to opt out from marketing send-outs.

For more detailed information on how to control your data, see our

You can review and access a copy of all personal data that we store about you at any time. Simply fill in the request form below, and make sure to provide all email addresses that you have used with Klarna before. In order to complete your request, we need you to provide your complete and correct information to verify your identity.

Our Customer Service will handle your request and send you an encrypted PDF file via email. This file can include information connected to, for example, previous purchases you have made with Klarna and our products and services you have used.

You have the right to request deletion of your personal data. When you exercise your right to be forgotten, your data will be deleted and all agreements you have with us will be terminated. As a bank, we are required by law to retain certain personal data even after your deletion request. We may also retain certain information based on legitimate interest to protect you and us, e.g. for fraud prevention purposes.

Once you have exercised your right to be forgotten, you will no longer be able to access previous orders or your account. You can place new orders again after we have successfully deleted your data.

To request data deletion, simply fill in the request form below, and make sure to provide all email addresses that you have used with Klarna before. In order to handle your request, we need you to provide your complete and correct information to verify your identity.

Do not click any links or open attachments from unexpected or unverified sources. Always be cautious of communication requesting personal or financial information, demanding immediate action, or simply does not look right. If possible, flag the message as spam or junk. Your awareness and vigilance are the best lines of defence. 

Immediately contact Klarna and any other relevant institutions involved to notify them about the incident. Swift action could trigger preventative measures that can avert further complications. Change all relevant passwords and monitor your financial statements closely for any signs of unauthorised activity.

Immediately contact Klarna to report the lost device or card. Freeze your card to prevent unauthorised charges. Similarly, if a device like a phone or laptop is lost, change all passwords for accounts accessible on the device and inform relevant institutions about possible unauthorised access - especially if the device is auto-logged into any financial or personal accounts. 

Immediately contact Klarna to report the suspicious activity. Consider changing any log-in credentials you believe could be compromised and enable additional security measures like two-factor authentication. Regularly monitoring your account for unfamiliar activity can help detect potential fraud early.

Always double-check before conducting any transactions, particularly those demanding urgently and unexpectedly. Contact the requester via a different, trusted method to confirm its legitimacy.

Before sharing information online, research the company, check reviews, and confirm valid contact information. 

Make sure the website is legit and secure. Double check the website’s URL is spelled correctly. Also, look for "https://" in the URL which means the data you send to the site is encrypted, providing an extra layer of security. Especially when using public Wi-Fi networks. If something feels off, trust your instincts.

Do not open the file. Delete it immediately and run a virus scan. Ensure you have up-to-date antivirus software installed to protect against malicious downloads. Continue to monitor your financial statements closely for any unauthorised activity.

Always proceed with caution when contacted unexpectedly, even if they appear to be legitimate from a place you trust. If in doubt, end the conversation and independently contact the company directly using a verified method such as the customer service number listed on their official website. It’s always better to double-check before sharing any personal or financial information.