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You should always feel safe and protected using Klarna

Online shopping should be simple, smooth and safe. At Klarna, we adhere to strict regulations when it comes to security, and are constantly optimising our security measures to keep you secure and maintain your trust.

Did you know that you have a part to play when it comes to security? Here are some security tips and information on common threats to help you stay secure when shopping online.

How we keep you secure

Security is at the centre of how we do business and protect your personal information. Your information is protected by multiple layers of security, and we continuously invest in and evolve our security capabilities to keep pace with real-world threats.

Here are some ways we help keep your account safe and secure:

  • 24/7 monitoring. Our fraud prevention and security experts work around the clock to monitor our systems and detect systematic attempts by criminals at an early stage.

  • Data protection. When you use Klarna services, you can trust that your personal data is handled responsibly. We work hard to protect your information and put you in control of your experience. Read our


Control at your fingertips

You have control to choose the security options that are right for you. Here are some of the security features that you can customise via the Klarna App under “Settings” to increase your security and help protect yourself.

Transaction alerts

Alerts can help you monitor unusual account activities and detect potential fraud, so it’s a good idea to have it enabled.

Privacy & Security section

Manage what email accounts and phone numbers are connected to your account.

Autofill at purchase

You decide yourself what information you want to use for auto-filling by us. We think that's fair.


Personalise how you would like us to verify your identity before each purchase within the Klarna app.

How to protect yourself

Our concern for the safety of your financial and personal information goes beyond shopping. Awareness is one of the best ways to protect yourself from security threats and scams. Here are our tips on how you can stay secure online.

Understanding Cyber Scams

Not all messages that claim to be from Klarna are from us. Scams can take many forms such as emails, texts, and phone calls designed to look like they come from Klarna. Common scam tactics to be aware of:

Social Engineering is the use of deception to manipulate individuals into divulging confidential or personal information that may be used for fraudulent purposes.

This is when attackers pretend to be someone you trust (such as a company or the authorities), and use email to try and get you to give out personal information, credit card or account information, or ask for a payment, with the intention of stealing your money.

Think of this as voice phishing. An attacker will use calls to start contact, and will try and threaten or scare you into sharing personal information.

This is phishing over SMS text messages. An attacker will contact you using an unknown phone number or impersonate a company like Klarna to send out messages with malicious links.

Cyber scams can be difficult to spot, but here are a few warning signs:

Time pressure / a sense of urgency and fear. If someone contacts you and states a reason that makes it urgent for you to disclose information or make a payment, be cautious.

  • Asking you to confirm personal information.

  • Improper spelling or bad grammar. If you notice that a message contains misspellings and strange grammar, it may very well be because the sender is not who they claim to be.

  • Fake graphics. Scam emails and fake web pages will often look similar to those from the company they are trying to imitate, but usually contain minor, noticeable errors if you are attentive.

  • Odd web address. If the web address and links look real but abbreviated or use an unknown domain, it’s best to be cautious.

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Top security tips

  1. Verify urgent requests or unsolicited emails, messages or phone calls before you respond. If you receive a message or a phone call asking for immediate action and don't know the sender, it could be a phishing message.

  2. Think before you click. If an email or text message looks suspicious, don’t open any attachments or click on the links.

  3. Be careful of the information you share. Never give out your codes, passwords or personal information, unless you are sure of who you're dealing with. Klarna will never ask you for your credentials over the phone, email or SMS.

  4. Update your devices and software. Ensure you have the most up-to-date software installed on your mobile and electronic devices as well as your personal computers.

  5. Keep your contact information up to date. This ensures that only you receive information about your account and that we can contact you quickly in the event of suspicious activity.

  6. Check your accounts. Regularly check your account transactions and report any suspicious or unauthorised transactions.

  7. Browse securely. Only use trusted networks and avoid carrying out transactions when connected to public networks. Also be sure to verify URLs or web addresses.

  8. Strong passwords and multifactor authentication. Passwords should be strong and unique for each site. Enabling multiple ways to authenticate gives you an added level of protection should your credentials become compromised.

Questions? Contact us

Your safety is our priority, and you are more than welcome to get in touch with us at any time if you have any questions or concerns.

  • Suspicious transaction on your account. If you believe you have been the victim of fraud, please follow the guidelines in our


  • Potential security concern or flaw. While we strive to achieve the highest possible security and quality, sometimes, an error may slip by. If you have found a security flaw,