What are the benefits of having a Klarna balance?
A Klarna balance gives you a simple way to manage your money. Use it to pay with a Klarna Card, redeem cashback rewards, and get faster refunds. Add funds at any time.
What you can do with a Klarna balance
Pay for purchases
Pay early
Get refunds faster
Get cashback
How a balance can make budgeting easier
Keeping a balance puts your shopping money in one place, making it easier to see how much you’ve set aside. Instead of moving money from your bank every time you check out, add funds when it fits your budget and spend directly from your balance.
With a balance in place, it is easier to:
Plan ahead by adding money in line with your pay cycle or spending goals
Keep shopping money separate from monthly bills
See all your Klarna spending in one place
There’s no minimum balance required. You decide when and how much to add.
Pay with Klarna almost anywhere
With a balance and a linked Klarna Card, you can pay anywhere Visa is accepted, online or in store. Your purchases come straight from your balance instead of your bank account, and you can track everything in the Klarna app.
Refunds go straight to your Klarna balance. Once your refund is processed, it’s available immediately, without the usual bank delay. You can put it toward your next purchase or use it to pay down an existing order, keeping your spending on track.
Redeem cashback to your account
Shop in the Klarna app at participating stores to earn cashback. Once confirmed, you can convert it to money your Klarna balance and use it like any other money in your account.
With a Klarna membership, you can also earn cashback on everyday debit purchases and convert cashback to airline miles or hotel points. Eligibility and program terms apply.²