What is Klarna?
Klarna is your everyday companion, helping you manage spending, payments, and perks – all in one place in the app.
With Klarna, you choose how to pay, your purchases are protected, and you get more ways to make the most of your everyday spending.
Everyday money simplified
Everyday money simplified
Pay with Klarna everywhere
At online checkout
In the app
Everywhere else
Klarna puts safety first
Klarna protects your money and personal information on every purchase.⁴
Advanced real-time fraud monitoring
Strong privacy protections, by default
24/7 support when you need it
Real reviews from real people
Join more than 120m users shopping smarter with Klarna. Rated 4,7 in the App Store and 4,5 on Google Play.
Download on the App Store
Get it on Google Play
Klarna is available worldwide
More than 120m customers across 26 countries choose Klarna’s flexible payment options, making 3,4 million transactions 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's payment methods that involve credit, you must:
Be a resident of Sweden
Be at least 18 years old
Have a valid bank account
Have a positive credit history
Be able to receive verification codes via SMS
Good to know: At age 15, you can create a Klarna account to use our payment methods that don't involve credit (bank transfer or card payment)
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