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Person holding up a suitcase against a blue sky

Your hottest membership deal

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

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Offer valid for new Premium and Max users only, expires 31.8.26. T&Cs apply.

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Person with a Klarna keychain and app home screen animation

Your money treated right

Discover a smarter way to pay, save, and manage your money. Find everything you need in one place with Klarna.

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Referee holding a Klarna Card

A card worth getting

Cashback, travel protection, no foreign exchange fees from Klarna, and lounge access with Klarna Max.

Trusted by millions worldwide

4.5
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20
years of experience
119m
users worldwide
1m+
merchants

Your everyday money app

Tap into flexible payment options, cashback, spending insights, and a card that works everywhere.¹

¹ 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).

Your everyday money app

Tap into flexible payment options, cashback, spending insights, and a card that works everywhere.¹

¹ 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).

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 over time with Klarna's flexible payment options.¹
Learn more

Cards

Choose how you pay and take the benefits of Klarna wherever you go.²

Memberships

Upgrade to a membership for extra cashback, travel benefits and lifestyle perks. ³

Balance

Add money in the Klarna app and pay flexibly¹, everywhere.

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 membership³ for extra cashback⁵, travel benefits⁶⁻⁷ and lifestyle perks⁸.

Pick how you pay

We've got you covered, however you prefer to pay. Look for the pink badge at checkout or online. Tap with Apple Pay⁹ or use your Klarna Card anywhere Visa is accepted.

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Checkout

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Klarna app

Klarna cards

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Apple Pay

Shop with built-in security

Your transactions include built-in buyer protection¹⁰ 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
|
555,096 reviews

Customer reviews reflect their personal experience and opinion. Showing our 5-star reviews.

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Copyright © 2005-2026 Klarna. Klarna Financial Services UK Limited is authorised and regulated by the Financial Conduct Authority (“FCA”) for carrying out regulated consumer credit activities (firm reference number 987889) and the provision of payment services and the issuing of electronic money under the Electronic Money Regulations 2011 (firm reference number 1021834). Klarna Financial Services UK Limited offers both regulated and unregulated products. Klarna’s interest free and pay up to 12 months Financing agreements, Pay in 3 instalments and Pay in 30 days agreements are not regulated by the FCA. Incorporated in England (company number 14290857), with its registered office at 10 York Road, London, SE1 7ND.

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