What is Klarna
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Get the
Klarna Card
Klarna Card is a regulated credit product. Borrowing more than you can afford, or paying late, may make it harder to get credit. 18+, UK residents only. Subject to status. T&Cs and late fees apply. Representative Example: rate of interest – 0.0% a year (variable), assumed credit limit - £800, representative APR 0.0% (variable).
Shop where you want. Manage it all in the
app.
Shop everywhere Visa is accepted with the Klarna Card, and manage your purchases individually in the Klarna app. Pay right away or pay monthly with no interest and extend your due date to the next month on purchases up to £300 for an additional fee.
Klarna Card is a regulated credit product. Borrowing more than you can afford, or paying late, may make it harder to get credit. 18+, UK residents only. Subject to status. T&Cs and late fees apply. Representative Example: rate of interest – 0.0% a year (variable), assumed credit limit - £800, representative APR 0.0% (variable).
Shop with Klarna in real-life
Smooth monthly statement
Spending controls
Travel with Klarna
Shop with Klarna in real-life
Smooth monthly statement
Spending controls
Travel with Klarna
Pay monthly
online
offline
abroad
everywhere
Shop what you love with the Klarna Card wherever you like—online, abroad, in real life—and manage your purchases individually on your monthly statement in the Klarna app.
Klarna Card is a regulated credit product. Borrowing more than you can afford, or paying late, may make it harder to get credit. 18+, UK residents only. Subject to status. T&Cs and late fees apply. Representative Example: rate of interest – 0.0% a year (variable), assumed credit limit - £800, representative APR 0.0% (variable).
Ready in minutes
The Klarna Card connects seamlessly with your existing bank account. Shop for what you love, and pay monthly.
How it works
Manage each purchase anytime in the Klarna app by choosing what you’ll pay now or pay monthly with no interest. Plus, extend your due date to the next month on purchase up to £300 for an additional fee. While you’re at it, tap into a smoooth shopping and personal financial experience in the Klarna app, where you can discover more Klarna products.
Klarna Card is a regulated credit product. Borrowing more than you can afford, or paying late, may make it harder to get credit. 18+, UK residents only. Subject to status. T&Cs and late fees apply. Representative Example: rate of interest – 0.0% a year (variable), assumed credit limit - £800, representative APR 0.0% (variable).
Unlike Pay in 30 or Pay in 3, all your card purchases are added to one statement you pay each month with a tap. Set up Autopay to settle the monthly balance automatically or manage them individually in the Klarna app.
Get more from Klarna
Pay with a tap in the Klarna shopping app. Your Klarna Card is integrated into the Klarna app, where you can compare prices, get exclusive deals, check out with a few taps, and discover more Klarna products.
Tap into the smoooth Klarna ecosystem. Discover more in the Klarna app.
No FX fees from Klarna
Take your Klarna Card on the road and shop with it everywhere VISA is accepted—with no extra currency exchange fees from Klarna. Check currency conversion rates in the Klarna app to know what you'll pay before you buy something abroad.
Shop and pay abroad with the VISA currency exchange rate and with no foreign exchange fees from Klarna.
How it works
Manage each purchase anytime in the Klarna app by choosing what you’ll pay now or pay monthly with no interest. Plus, extend your due date to the next month on purchase up to £300 for an additional fee. While you’re at it, tap into a smoooth shopping and personal financial experience in the Klarna app, where you can discover more Klarna products.
Klarna Card is a regulated credit product. Borrowing more than you can afford, or paying late, may make it harder to get credit. 18+, UK residents only. Subject to status. T&Cs and late fees apply. Representative Example: rate of interest – 0.0% a year (variable), assumed credit limit - £800, representative APR 0.0% (variable).
Unlike Pay in 30 or Pay in 3, all your card purchases are added to one statement you pay each month with a tap. Set up Autopay to settle the monthly balance automatically or manage them individually in the Klarna app.
Get more from Klarna
Pay with a tap in the Klarna shopping app. Your Klarna Card is integrated into the Klarna app, where you can compare prices, get exclusive deals, check out with a few taps, and discover more Klarna products.
Tap into the smoooth Klarna ecosystem. Discover more in the Klarna app.
No FX fees from Klarna
Take your Klarna Card on the road and shop with it everywhere VISA is accepted—with no extra currency exchange fees from Klarna. Check currency conversion rates in the Klarna app to know what you'll pay before you buy something abroad.
Shop and pay abroad with the VISA currency exchange rate and with no foreign exchange fees from Klarna.
Stay on top
of your spending
Get reminders to stay on top of things. Set a budget limit. Check on your spending with a clear overview, then dig deeper with monthly breakdowns. Oh, and don’t forget a payment with automatic payments—all in your Klarna app.
Klarna Card is a regulated credit product. Borrowing more than you can afford, or paying late, may make it harder to get credit. 18+, UK residents only. Subject to status. T&Cs and late fees apply. Representative Example: rate of interest – 0.0% a year (variable), assumed credit limit - £800, representative APR 0.0% (variable).
Get 24/7 control
Virtual Klarna Card
Your virtual Klarna Card is active right after it's created. Add it to Apple Pay or Google Pay and start shopping in minutes!
Get a physical card
Request your physical Klarna Card in the app to shop smoooth wherever Visa is accepted.
Alerts
Get notified before it's time to pay or set-up Autopay. Track all of your purchases.
Feel safe
Freeze or block your card when lost or stolen.
Purchase Power
Know how much you can spend with Klarna. Adjust the limit yourself, if you want to spend less than what you are given by us.
Pay abroad
Klarna does not charge a foreign exchange fee. Easily calculate payments in the app.
Set a limit
Track what you spend by setting a monthly allowance.
Manage
Enable and disable contactless, online or abroad payments, while you shop in real life.
Smoooth
monthly statement
Use the Klarna Card's monthly statement to manage each purchase anytime in the Klarna app. Choose what you'll pay now or monthly, or extend the due date to next month. You have a say. It's your statement. Representative Example: rate of interest – 0.0% a year (variable), assumed credit limit - £800, representative APR 0.0 % (variable).
Klarna Card is a regulated credit product. Borrowing more than you can afford, or paying late, may make it harder to get credit. 18+, UK residents only. Subject to status. T&Cs and late fees apply. Representative Example: rate of interest – 0.0% a year (variable), assumed credit limit - £800, representative APR 0.0% (variable).
Pay monthly
Settle all your purchases every month with a tap, interest-free.
Pay now
Choose which purchase to pay now in your monthly statement, interest-free.
Extend the due date
Need more time? Extend your due date to the next month on purchases up to £300 for an additional fee.
Before you start
Your Klarna Card purchases will be added to a monthly statement received on the 17th of each month and payable on or before the 1st of the following month.
You can view repayment options for each purchase in the app and adjust individual purchases from your monthly statement for an additional fee.
You will receive a payment reminder before your Klarna Card statement is due. If you don't pay on time, there will be a late fee and late payment could be reported to credit reporting agencies, which can have a negative impact on your credit score . If you continue to miss payments when due, then your debt may be passed to a debt collection agency.
A hard credit check is performed when getting the Klarna Card. This check will appear on your credit history and might affect your credit score.
Using Autopay, you can set up automatic payments to ensure you never miss a payment by having the outstanding amount automatically taken from your payment source.
If you’re experiencing financial difficulties to repay, please
. We’ll always do whatever we can to help.Klarna Card is a regulated credit product. Borrowing more than you can afford, or paying late, may make it harder to get credit. 18+, UK residents only. Subject to status. T&Cs and late fees apply. Representative Example: rate of interest – 0.0% a year (variable), assumed credit limit - £800, representative APR 0.0% (variable).
Checkout
contactless
Add the Klarna Card to Apple Pay or Google Pay for secure, contactless payments with your smart devices.
Choose your
style
When you sign up, you get a virtual Klarna Card that is active right away. You can order a physical Klarna Card that comes in two designs with the same perks and experience. Like all things Klarna, the choice is yours.
Klarna Card is a regulated credit product. Borrowing more than you can afford, or paying late, may make it harder to get credit. 18+, UK residents only. Subject to status. T&Cs and late fees apply. Representative Example: rate of interest – 0.0% a year (variable), assumed credit limit - £800, representative APR 0.0% (variable).
FAQ’s
Choose your language and region
Klarna is available around the world with a variable offering, choose one that suits you best.
Copyright © 2005-2024 Klarna. Klarna Financial Services UK Ltd is authorised and regulated by the Financial Conduct Authority (“FCA”) for carrying out regulated consumer credit activities (firm reference number 987889), and for the provision of payment services under the Payment Services Regulations 2017 (firm reference number 987816). Klarna Financial Services UK Ltd offers both regulated and unregulated products. Klarna’s 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.