What is Klarna?
Klarna is your everyday money app that helps you manage spending, payments, and rewards, all in one place.
Built for real life, it gives you choice in how you pay, protection when you shop, and ways to get more from everyday spending.
Everyday money simplified
Everyday money simplified
Pay with Klarna everywhere
From big brands to everyday favourites, Klarna lets you pay anywhere you want. Look out for Klarna at checkout or use the app.
At checkout
Look for the pink badge when you checkout online at your favourite stores.
In the app
Choose flexible payments at any brand.
Klarna puts safety first
Klarna protects your money and personal information with every purchase.²
Advanced real-time fraud monitoring
Strong privacy protections, by default
24/7 support when you need it
Real reviews from real people
Join 120m people who love to shop and pay with Klarna, rated 4.5 on the App Store and 4.4 on Google Play.
Available on the App Store
Available on Google Play
Klarna is available worldwide
Over 120m customers across 26 countries choose Klarna's flexible payment options, with 3,4M transactions happening every day.
Frequently asked questions
Klarna is a shopping and payments app built to give you more control over your money. Pay now, or choose to pay later and spread the cost. You can shop at millions of stores worldwide directly through the Klarna app, or use the Klarna Card wherever Visa is accepted. Our memberships unlock more with boosted cashback, travel benefits and subscriptions. One app for everything: discovery, payments, tracking, and returns. Product availability may vary by market.
Yes, Klarna is a fully licensed bank in Sweden and the EU, and follows all local regulations wherever it operates. Trusted by 120m customers and 1.2m+ retailers globally, we've been building safe, secure shopping experiences since 2005. Eligible purchases come with Klarna's built-in Buyer Protection, so if something goes wrong, like an item that doesn't arrive or isn't as described, we've got your back.
To be eligible to use Klarna you must:
Be a resident of New Zealand
Be at least 18
Have a valid card/bank account
Be able to receive verification codes via text