What's included in a Klarna membership?
Each Klarna account already gives you flexible ways to pay – whether you pay now or pay over time¹ – plus cashback² when you shop in the app. A membership gives you even more value.
Each membership lets you apply for Pay in 3³ when you shop using your Klarna Card⁴ or a one-time card at non-integrated merchants.
¹ Borrowing more than you can afford, or paying late, may make it harder to get credit in the future. Credit subject to status. A downpayment of 10% or higher may be required. Financing has a representative 21.9% APR (fixed).
Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. Credit subject to status. Ts&Cs and late fees apply.
² 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 when you pay with Klarna. 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, conditions, and points expiration apply.
³ Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. Credit subject to status. Ts&Cs and late fees apply.
⁴ Paid membership required to access Klarna Card Pay Later plans. Representative APR 35.1% (fixed). Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. Credit subject to status. Ts&Cs and late fees apply.
It also includes Klarna Rewards Day, a monthly event where you can see exactly what you’ve earned. Depending on your plan, you could also get extra cashback on purchases, access to subscriptions⁵, purchase protection⁶, or travel perks when you need them.
What's already free with every Klarna account
These features come as standard and don't require a membership.
Pay your way. Use the offered Klarna options at partner stores whenever you see us at checkout.
Earn cashback in the app. Shop at hundreds of retailers in the Klarna app to earn cashback, then redeem it for money added to your Klarna balance.
Protection⁶ and spending tools. Get buyer protection on eligible purchases, plus price alerts, delivery tracking, wishlists, and a complete overview of your payments, all in one place.
When you're ready for more, there's a membership made for the way you already shop.
Choose the right membership for you
Klarna Everywhere
Klarna Plus
Klarna Premium
Klarna Max
How to choose
A Klarna membership is designed for people who shop regularly and want to make the most of their benefits. With four tiers to choose from, you can pick the one that best suits how you shop. You can change your membership at any time.
You can cancel at any time in the app. All plans are subject to the conditions and exclusions set out in the terms.
If you shop online a few times a month and want Klarna at its simplest. Pay with your Klarna Card or one-time cards and apply for Pay in 3. One card, one bill – Klarna Everywhere is made for you.
If you regularly pay later at stores beyond Klarna's partner network, whether that’s with big retailers, local shops, or for one-off online purchases, Klarna Plus gives you 0.5% cashback on eligible purchases, plus 2x cashback at featured stores when you shop in the Klarna app. You’ll also get purchase and price protection, a 30-day price guarantee, and monthly discounts that can quickly add up if you shop often.
If you already pay for several subscriptions covering news, fitness, wellness, and the occasional trip, Klarna Premium brings that spending together. With 14 subscriptions, 1% cashback plus 3x cashback at featured stores when you shop in the Klarna app, and worldwide travel protection, it’s designed to help you get more from your everyday spending.
If you’re often at the airport, Klarna Max is worth it for the lounge access alone. Unlimited entry to 1,900+ lounges could more than cover the cost of membership in just a couple of trips. On top of that, you’ll get 1.5% cashback plus 4x cashback at featured stores when you shop in the Klarna app, 5GB of global data each month, and 18 subscriptions. It suits frequent travellers who want more of their spending covered.
The takeaway
Each membership gives you even more from the Klarna you already use. Compare all four options on our memberships page.