What is Klarna?
Klarna is your everyday money app, helping you manage spending, payments, and rewards. All in one place.
Built for real life, it gives you flexibility in how you pay, protection when you shop¹, and smarter ways to get more from everyday spending.
Everyday money simplified
Klarna Card
Pay with Klarna everywhere, online and in-store. Pay in full for everyday spending and choose to pay later for bigger purchases.²
Flexible payments
Shop now and pay later with Klarna's flexible payment options. Choose to pay in 3 interest-free instalments or the full amount.²
Cashback
Earn cashback³ when you shop at hundreds of stores in the Klarna app. Redeem it for money added to your Klarna balance, or convert it to airline and hotel points with a membership plan.⁴
Budget tracking
Stay on top of your money with everything in one place. Track payments, see what’s coming up, manage cards and limits, and understand how cashback adds to your balance.
Pay with Klarna everywhere
From big brands to everyday favourites, Klarna lets you pay anywhere you want. Look out for Klarna at checkout, use the app, or simply tap your Klarna Card.
At checkout
In the app
Everywhere else
Klarna puts safety first
Klarna protects your money and personal information on every purchase.
Advanced real-time fraud monitoring
Strong privacy protections, by default
24/7 support when you need it
Real reviews from real people
Join 119m people who love to shop and pay with Klarna—rated 4.9 out of 5 on the App Store and Google Play, with over 3,9m reviews.
Available on the App Store
Available on Google Play
Klarna is available worldwide
Over 119m customers across 26 countries choose Klarna's flexible payment options, with 3,4 million transactions happening every day.
Frequently asked questions
Most of Klarna's revenue comes from fees that stores pay to offer Klarna at checkout. They choose Klarna because it helps more people complete their purchases smoothly and feel confident while shopping.
Klarna earns a smaller amount from interest on our financing products and from late fees when payments are missed. These late fees are clear, limited, and often avoided completely. Klarna also provides reminders and flexible payment options to help people stay in control of their spending.
To be eligible to use Klarna you must:
Be a resident of Ireland
Be at least 18
Have a valid card/bank account
Be able to receive verification codes via text
If we are unable to collect the payment on the scheduled date, we will try again. If that payment attempt also fails, the missed payment will be added to the amount of the next scheduled payment.
Note, missed payments may incur fees and unpaid debts may be sent to debt collection.
Shop smart with Klarna today
Get the app: