Person with a Klarna keyring; animated overview of Klarna app payments on a phone.

Your money treated right

Discover a smarter way to pay, save, and manage your money. Find everything you need in one place with Klarna.

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Trusted by millions worldwide

4,5

Trustpilot rating

years of experience

120m

users worldwide

1,2m+

merchants

Your everyday money app

Tap into flexible payment options, cashback¹, spending insights, and a card that works everywhere.²

Your everyday money app

Tap into flexible payment options, cashback¹, spending insights, and a card that works everywhere.²

Designed around you

Accepted everywhere

Person carrying a pink piggy bank with a 9% boosted cashback badge.

Built to grow

Klarna app on a phone beside purple cauliflower and shopping bags.

Clear and simple

Always supported

Choose how you pay. In full, later, or over time. Always with clear terms and helpful reminders.
Pay with Klarna wherever you shop, online and in physical stores.
Turn spending into rewards.¹ Earn cashback on purchases, and watch it all stack up.
Track expenses, manage your money, and stay on budget in the app.
Get instant answers from our 24/7 AI assistant, with real human support when you need it.

Explore our offering

Payments

Spread the cost with Klarna's flexible payment options and stay in control of your budget.

Pay at checkout

Debit card

Choose how you pay and take the benefits of Klarna wherever you go.

See Klarna Cards

Memberships

Upgrade to a membership for extra cashback, travel benefits and lifestyle perks.³

See memberships

Bank account

Add money in the Klarna app and pay flexibly⁴, everywhere.

Learn more

Savings

Save money your way with our flexible and fixed savings accounts.

Explore savings

Cashback

Earn cashback on everyday purchases.

Explore cashback

Shopping

Search to find better prices on your favourite products.

Shop now

Memberships

Say yes to more

Upgrade to a membership for extra cashback, travel benefits and lifestyle perks.³

See memberships

Pick how you pay

We've got you covered, however you prefer to pay. Look for the pink badge at checkout or online. Tap your Klarna Card wherever Visa is accepted.

Checkout

Klarna app

Klarna Card

Shop with built-in security

Your transactions include built-in buyer protection⁵ and advanced fraud prevention. So your money and data stay secure with every spend.

Learn more about security

Real reviews from real people

TrustScore

4.5

628.725 reviews

Customer reviews reflect their personal experience and opinion. Showing our 5-star reviews.

Find better deals, with no extra work

¹ Klarna Cashback Rewards are awarded as points which can be redeemed for a credit to your Klarna bank account and other benefits. Earn cashback on Klarna App purchases. Klarna bank account required to receive cashback. Cashback issuance depends on store approval and may be affected by cookie settings, combining offers, product exclusions, or other factors beyond our control. Limitations, terms, and conditions apply.

² Use your card anywhere Visa is accepted. Certain merchant, product, good and service restrictions apply. Some merchants do not accept virtual cards. Physical card only included with a paid Klarna Membership Plan.

³ Klarna Membership offered for a monthly fee. Cancel any time in the Klarna app. Exclusions, conditions, and limitations apply to membership benefits. Klarna Membership Terms apply.

Klarna Cashback Rewards are awarded as points which can be redeemed for a credit to your Klarna bank account and other benefits. Other limitations, conditions, and restrictions apply to benefits like Klarna Membership cashback.

See Membership Benefits Rewards Summary for terms and conditions for subscriptions and other benefits based on your membership.

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.

Insurance and coverage benefits are provided by XCover, a trading name of Cover Genius Europe BV, and subject to the terms, conditions, and exclusions of the policy. See full policy details for coverage information and limitations.

The Cancel For Any Reason service is provided by Klarna and is not insurance. Terms and limitations apply.

⁴ Account covered by the Swedish deposit guarantee scheme. Max. compensation per customer: SEK 1,150,000. National Debt Office makes compensation available within 7 business days from the date a right to compensation accrues. Read more here.

⁵ Exclusions apply. Learn more at https://www.klarna.com/nl/kopersbescherming-voor-consumenten/.

Your money treated right

Trusted by .pr-1uyrw6c{position:relative;display:inline-block;flex-direction:column;flex-shrink:0;padding-left:var(--spaces-space-4);padding-right:var(--spaces-space-4);background-color:var(--colors-bg-brand);}millions worldwide

Your everyday money app

Explore our offering

Payments

Debit card

Memberships

Bank account

Savings

Cashback

Shopping

Say yes to more

Pick how you pay

Checkout

Klarna app

Klarna Card

Shop with built-in security

Real reviews from real people

Find better deals, with no extra work

Trusted by millions worldwide