Products and services

How to use Klarna

Who can use Klarna?
Where can I use Klarna?
Can I use Klarna to purchase gift cards?
How much am I eligible to spend?
Why was I charged a service fee?
Does Klarna charge an annual fee?
Why can’t I make a payment to Klarna whilst traveling abroad?
How can I make a formal complaint to Klarna?

Klarna Credit Card

How do I apply for a Klarna Credit Card?
How do I pay for my Klarna Credit Card purchases?
Why was my Klarna Credit Card purchase declined?
When will I receive my Klarna refund?
How do I replace or cancel my Klarna Credit Card?
Why was I denied a Klarna Credit Card?
What should I do if my Klarna Credit Card is expiring soon?
What is Purchase Power?
I'm an existing Klarna Credit Card customer and got a notice about the membership requirement. What should I do?
What happens to my Klarna Credit Card if I cancel my membership?
How do I unblock my PIN?

Credit score & credit checks

Does Klarna perform a credit check and will this affect my credit score?

Payment options

How does Pay in 30 days work?
What is Financing and how does it work?
How can I use Klarna on Apple Pay?
Why are not all payment methods available at the checkout?

One-time card Service

What is a One-time card service and how does it work?
What happens if my purchase is for a different amount than the One-time card I created?
What if I never use the One-time card and want to cancel it?
Why was the One-time card purchase declined?

Services

How can I turn the Cookie Service on and off?
How do I change my data sharing preferences for Sign in with Klarna?
How does Auto-track work?

Klarna referral and rewards

How do Klarna referrals work?
Who is eligible to refer friends?
Where can I see my reward?
When do I receive my reward?
Why haven't I received my reward?
Is there a maximum number of referrals?
Can I refer someone in a different country?
Can I share my referral link on social media?
How will I know when my friend completes a qualifying purchase?
How can I redeem my reward?
What if my friend uses someone else's referral link?
Does cashback expire?

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). Incorporated in England (company number 14290857), with its registered office at 10 York Road, London, SE1 7ND.

Images on this website may be generated by AI.

Cookie policy Klarna.com