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
Flexible payments
Pay with Klarna everywhere, online and in-store.¹
Budget tracking
View all your finances in one place. Set budgets, stay on track with reminders, and enjoy a range of other smart features.
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 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 New Zealand
Be at least 18
Have a valid card/bank account
Be able to receive verification codes via text
We’ll email you if your payment is unsuccessful. We’ll also try one more time to collect it. If we can’t collect it a second time, it will be added to your next payment along with a late fee of up to $7.00. The aggregate sum of your late fees will never exceed 25% of your order value at the time of purchase.
Shop smart with Klarna today
Get the app:
¹ Late fees, eligibility criteria and T&Cs apply. Credit checks apply. See klarna.com for full terms.
² Exclusions apply. Learn more at https://www.klarna.com/nz/buyers-protection/.