Stay on top of your money
Discover a smarter way to pay, save, and stay on top of your money. All in one place with Klarna.
Your money treated right
Discover a smarter way to pay, save, and stay on top of your finances. Find everything you need in one place with Klarna.
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Your everyday money app
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Say yes to more
Upgrade to a membership for extra cashback, travel benefits and lifestyle perks.⁵
Pick how you pay
We've got you covered, however you prefer to pay. Look for the pink badge at checkout or online. Pay online or use your Klarna Card anywhere Visa is accepted.
Shop with built-in security
Your transactions include built-in buyer protection⁶ and advanced fraud prevention. So your money and data stay secure with every spend.
Find better deals, with no extra work
¹ Use your card anywhere Visa is accepted.
² 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.
³ 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.
⁴ 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 when you pay with Klarna. 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, conditions, and points expiration apply.
⁵ See Membership Benefits Rewards Summary for terms and conditions for subscriptions and other benefits based on your membership.
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, restrictions, and points expiration apply to benefits like Klarna Membership cashback. If you cancel or your renewal payment fails, you will not receive points earned the previous month.
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 limits apply.
⁶ Exclusions apply. Learn more at https://www.klarna.com/se/beskrivning-av-klarnas-koparskydd/.
If you cannot repay the debt on time, you risk a payment default. This may lead to difficulties in renting housing, signing contracts, and obtaining new loans. For support, contact budget and debt counselling in your municipality. Contact details are available at konsumentverket.se