Hej, we're Klarna
We stand for a simpler, fairer way to manage your money: flexible, transparent and built around you. Everything in one place, so you stay in control.
Your everyday money app
We started as a way to pay smarter at checkout. Today, Klarna is the everyday money app that helps 120m people manage spending, payments and rewards,* all in one place.
Flexible payments: Choose to pay now, later or over time for more control over your schedule.
Manage and grow your money: Keep money in your personal account, send it when you need to, and put the rest into savings.¹
Earn while you shop: Unlock cashback,² perks and rewards with a Klarna membership.³
Secure shopping: Keep your data safe with advanced encryption and 24/7 fraud monitoring.
* Product availability varies by market.
Our history
Made in Stockholm
Three young Swedish entrepreneurs had a brilliant idea back in 2005, but not the best name. Kreditor became Klarna in 2010.
Unicorn status unlocked
In 2012, Klarna reached a significant milestone with a $1bn+ valuation, recognising our rapid growth and market impact.
Klarna's family grows
In 2014, Klarna acquired SOFORT, creating Europe's fastest-growing online payments group.
A bold new era
In 2017, Klarna transformed from blue to bold pink and secured a full banking licence, expanding our capabilities to serve customers.
The Klarna app arrives
Launched in 2018, the Klarna app provides users with tools for smarter shopping, budget management and seamless payments across online and in-store experiences.
Pay your way, everywhere
In 2025, Klarna launched the Klarna Card and paid membership plans, letting customers pay flexibly anywhere Visa is accepted,⁴ and unlock perks like boosted cashback, travel benefits and subscriptions.⁵
Klarna goes public
In September 2025, Klarna Group plc listed on the New York Stock Exchange (NYSE: KLAR), opening a new chapter as a public company.
The smart spending leader
As of 2026, Klarna is a leader in digital payments and banking, offering the Klarna Card, membership plans and flexible payment options that help millions of people pay, earn and manage money every day.
The numbers don't lie
active consumers
merchants
transactions per day
countries supported
Meet the board
The board is Klarna's top decision-making body, overseeing strategy, operations, and corporate governance to ensure accountability to both the organisation and investors.
Get to know our culture
With offices around the world, our global team blends start-up energy with a drive to create bold, impactful change and redefine money management.
Want to find out more?
Merchant support
Authority requests
Privacy
News
¹ 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.
² 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.
³ 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.
⁴ Use your card anywhere Visa is accepted.
⁵ See Membership Benefits Rewards Summary for terms and conditions for subscriptions and other benefits based on your membership.
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