Your everyday money app
Flexible payments, extra cashback,¹ and smarter money management, all in one app.
⭐️ 4,6
159K ratings in the App Store
+120m
shoppers worldwide
A smart app for all things money
Flexible payments
Choose Betaal nu, later, or gespreid betalen. Pay with Klarna at your favorite stores, straight from the app.
All in one place
Track expenses, manage payments, and stay on top of purchases in one place.
24/7 support
Get support whenever you need and in any language, thanks to our AI assistant.
More rewards
Turn spending into rewards. Shop in the app to earn up to 17% cashback on purchases.
Top security as standard
Your Klarna app is designed with your safety in mind. All transactions come with built-in buyer protection² and advanced fraud prevention, keeping your money and data secure.
• Passkey logins: Sign in with a tap, where your device supports it.
• Instant account lock: Something off? Lock your account in seconds.
• Real-time alerts: Stay in the loop on the activity that matters to you.
Tap into smarter mobile banking
Tap into smarter mobile banking
A debit card, only better
Get more from your purchases with the Klarna Card and a membership. Enjoy extra cashback on debit card purchases, lifestyle subscriptions, travel perks, and exclusive deals. Upgrade in the Klarna app and manage everything in one place.⁵
Smart shopping features, in one app
Price comparison
Compare prices across multiple stores and find better deals on the brands you love.
Delivery tracking
Never skip an order update. Track your deliveries and returns directly in the app.
Gift cards
Choose from a wide range of gift cards from top brands and pay your way.⁶
Loyalty cards
Keep all your loyalty cards in one place in the app so you never miss a point.
Frequently asked questions
Questions about the Klarna app? Find your answers here. For any further help or troubleshooting, please contact customer service.
Download the app, sign in or create an account, and head to Payments—that’s your home base. From there you can manage payments, track orders, get reminders, and find help if something’s off. If you want to shop, you can also browse stores and offers in the app and choose how you pay at checkout.
Open the Klarna app and go to Payments. There you’ll see your orders, what you’ve paid, and what’s coming up. Tap an order to pay early or switch how you pay. Under Wallet, you can update the cards or bank account you use for Klarna. If something doesn’t look right, you can get help from the same place.
Everything lives under Payments: your orders, delivery updates, and your payment schedule. You can also link your email so tracking and receipts show up automatically. You can also add tracking details yourself if you need to.
Want to earn cashback? Browse cashback offers in the app and shop at hundreds of stores that offer cashback. Follow the steps for each offer and shop at a participating store to earn cashback in line with the offer terms. Redeem your cashback for money in your Klarna bank account, or convert it into airline and hotel points with a membership.
With the Klarna app you’ll keep the whole shopping journey in one place. You can find deals and cashback offers only available to Klarna users, compare prices, and keep track of orders and deliveries, and then manage payments and returns without hopping between emails, tabs, and apps.
Checkout is where you choose Klarna as your payment option for a single purchase. The app is where you manage everything around that purchase, and any others: payment schedules, reminders, order tracking, support, and shopping tools like deals and cashback. If checkout is the moment you pay, the app is how you stay on top of it after.
Yes. Downloading and using the app is free. Some Klarna payment options may have fees or interest depending on the product, merchant, and whether you pay on time—those details are always in the terms for that purchase.
We use strong encryption and fraud monitoring to protect payments and account activity. You can use secure sign-in (like biometrics or passkeys where your device supports them), get alerts when something important happens, and lock your account if you’re worried it’s been compromised.
¹ Klarna Cashback Rewards are awarded as points that can be redeemed for credit in your Klarna balance and other benefits. Earn cashback on purchases made through the Klarna app. A Klarna balance account is required to receive cashback. Cashback is subject to retailer approval and may be affected by cookie settings, combining offers, product exclusions, or other factors beyond our control. Restrictions, terms and conditions apply.
² Exceptions apply. Learn more at https://www.klarna.com/nl/kopersbescherming-voor-consumenten/.
³ The account is covered by the Swedish deposit guarantee scheme in accordance with a decision by the Swedish National Debt Office. The maximum compensation for each customer is SEK 1.150.000, and the Swedish National Debt Office will make the compensation available for payment within 7 working days from the date on which the right to compensation takes effect. Learn more at
https://www.riksgalden.se/en/our-operations/deposit-insurance/.
⁴ A paid Klarna membership is required for a physical card. A one-time fee applies for a plastic debit card.
⁵ Klarna membership is a subscription with a monthly fee. Cancel at any time in the Klarna app. Exceptions, terms, and restrictions apply to membership benefits. The Klarna membership terms apply.
⁶ Subject to availability. See individual gift cards for details, terms and conditions, and fees where applicable. All trademarks belong to their respective owners. Products are subject to availability. The gift card brands shown may not be Klarna partners or affiliated with Klarna.