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Discover a smarter way to pay, save, and manage your money. Find everything you need in one place with Klarna.
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Your everyday money app
Klarna’s Pay in 3/Pay in 30 days are unregulated credit agreements. Klarna Financing is regulated if it charges interest or lasts over 12 months. It is not regulated if it’s 0% interest and 12 months or less. Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. 18+, UK residents only. Klarna’s Regulated Financing has a representative APR of 21.9% (fixed).
Klarna Cashback Rewards are awarded as points which can be redeemed for a credit to your Klarna balance and other benefits. Earn cashback on Klarna App purchases. Klarna balance 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, and conditions apply.
Use your card anywhere Visa is accepted.
Your everyday money app
Klarna’s Pay in 3/Pay in 30 days are unregulated credit agreements. Klarna Financing is regulated if it charges interest or lasts over 12 months. It is not regulated if it’s 0% interest and 12 months or less. Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. 18+, UK residents only. Klarna’s Regulated Financing has a representative APR of 21.9% (fixed).
Klarna Cashback Rewards are awarded as points which can be redeemed for a credit to your Klarna balance and other benefits. Earn cashback on Klarna App purchases. Klarna balance 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, and conditions apply.
Use your card anywhere Visa is accepted.
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Say yes to more
Upgrade to a membership for extra cashback, travel benefits and lifestyle perks.¹
¹ Paid membership required to earn Klarna Cashback Rewards using your Klarna Card. Klarna Cashback Rewards are awarded as points which can be redeemed for a credit to your Klarna balance and other benefits. Other limitations, conditions, and restrictions apply to benefits like Klarna Membership cashback.
See Membership Benefits Rewards Summary for terms and conditions for subscriptions and other benefits based on your membership.
Membership Plans get monthly deals at selected stores, one discount per store per monthly billing cycle. Use the Klarna App to pay at the store's checkout. Klarna Deals cannot be combined. Discounts can be modified based on availability, retailer participation, or due to technical issues. Discount will not be reflected in any receipt from the partner store, please refer to your Klarna receipt. Klarna may get a commission.
Insurance and coverage benefits arranged by Klarna Premium Services Ltd. and provided by XCover, a trading name of Cover Genius Ltd, 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.
Pick how you pay²
We've got you covered, however you prefer to pay. Look for the pink badge at checkout or online. Tap with Apple Pay³ or use your Klarna Card anywhere Visa is accepted.⁴
² Klarna’s Pay in 3/Pay in 30 days are unregulated credit agreements. Klarna Financing is regulated if it charges interest or lasts over 12 months. It is not regulated if it’s 0% interest and 12 months or less. Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. 18+, UK residents only. Klarna’s Regulated Financing has a representative APR of 21.9% (fixed).
³ Klarna on Apple Pay is available in-store on iPhone and online or in-apps on iPhone or iPad. Software requirements apply. Loans not offered by Apple.
⁴ Service fee or a paid membership required to access Pay Later plans. Pay in 3 loans with a service fee are regulated credit agreements. Representative APR 38.75%. Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. 18+, UK residents only. Subject to status. Ts&Cs and late fees apply.
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.
Exclusions apply. Learn more at https://www.klarna.com/uk/buyer-protection-description/.