• For shoppers
  • For business
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Cat sitting on a stool

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.

Learn more
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Person holding up a grey cabin suitcase against a blue sky.

Your best membership deal

Get 30% off Klarna Premium or Max for 3 months.

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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 stay on top of your finances. Find everything you need in one place with Klarna.

Trusted by millions worldwide

4,5
Trustpilot logo.Trustpilot rating
21
years of experience
120m
users worldwide
1,2m+
merchants

Your everyday money app

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

Your everyday money app

Tap into flexible payment options, cashback, spending insights, and a card that works everywhere.
Designed around you
Accepted everywhere
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Built to grow
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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. 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

Pay later with Klarna’s flexible payment options.
Pay at checkout

Cards

Choose how you pay and take the benefits of Klarna wherever you go. ¹

Memberships

Upgrade to a membership for extra cashback, travel benefits and lifestyle perks.²

Bank account

Add money in the Klarna app and pay flexibly, everywhere. ³

Savings

Grow your money with a flexible or fixed-term savings account.

Cashback

Earn cashback on everyday purchases. ⁴

Shopping

Search to find better prices on your favourite products.
Memberships

Say yes to more

Upgrade to a membership for extra cashback, travel benefits and lifestyle perks.⁵

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. Pay online or use your Klarna Card anywhere Visa is accepted.

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Checkout

Pay at checkout
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Klarna app

Klarna cards

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.

Real reviews from real people

4.5 out of 5 star rating on Trustpilot
TrustScore
4.5
|
609 863 reviews

Customer reviews reflect personal experiences and opinions. A selection of 5-star reviews from our customers.

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/.

From the Swedish Consumer Agency
Borrowing costs money!

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