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Two fish swimming to the right underwater, the front fish releasing a trail of small rising bubbles.
Two fish swimming to the right underwater, the front fish releasing a trail of small rising bubbles.

Do fish ever get thirsty?

Klarna helps you stay on top of your money, so you can think about, well, anything else.

Download the app

Do fish ever get thirsty?

Klarna helps you stay on top of your money, so you can think about, well, anything else.

The Klarna App is a tool for managing everyday payment and spending activity. 18+ UK residents only

Trusted by millions worldwide

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20
years of experience
120m
users worldwide
1.2m+
merchants
Smartphone on a wooden table showing the Klarna app home screen with account balances, quick action buttons, and menu items.

Your money, in one place

Manage your everyday spending, payments and card together in the app. What you need sits at the top. Everything else, arranged your way.¹ ²

¹ Paid membership required to be eligible for a Klarna Credit Card. Borrowing more than you can afford, or paying late, may make it harder to get credit. Credit subject to status. T&Cs and late fees apply. Representative APR 9.5% (variable).

Full toolkit. Zero clutter.

Pay your way³, see your spending, earn cashback⁴, and use a card that works everywhere.

Pay your way

Manage what you have to pay in the app. Update it with a tap if plans change.

See your spending

Insights live on your app home. Without the homework or switching to another app.

Little wins, built in

Cashback can be added to your balance.³ Use it toward your next purchase, in a tap. A coffee here, a takeaway there.

A card that works everywhere

Your Klarna Card lives in the app. Pay anywhere Visa is accepted, and manage it from the app home.⁵

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.
⁵ 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.

Phone and payment terminal showing Klarna security features.

Feel safe every step of the way

Built-in protection⁶ and advanced fraud protection, so your money and data stay safe with every purchase.

Learn more about security

Less money noise. More headspace.

The app keeps you on top of your money. Headspace is there when you want more calm, included with Klarna Premium and Max.⁷