How can I use my Klarna Card?

You can use your card internationally anywhere Visa is accepted - online, in-store, and for automatic payments or subscriptions. You can choose to:

Pay in full
Transactions are withdrawn instantly from your Klarna balance. Pay in full is the default mode for your card.

Plan a purchase

  1. Tap Wallet

  2. Select Plan a Purchase to apply for a payment plan

  3. Specify the amount you wish to spend, the payment option, funding source, and the store.

  • If approved, the card switches to Pay later mode for the next purchase

  • For in-store use, tap with a digital wallet. For online purchases, at checkout, enter your Klarna Card details.

Good to know:

  • Approved purchase plans remain active for 24 hours before reverting back to the default Pay in full mode.

  • Active plans are automatically applied to your next purchase.

  • If the purchase amount exceeds the amount you set in your plan, or if your funding source does not contain sufficient funds, the transaction will be declined.

  • Any Pay later fees, or interest, are displayed upfront in the app.

  • It’s not yet possible to make ATM withdrawals with your Klarna Card.

  • Members are offered additional Pay later payment options in the checkout.

With a Klarna Card you can also:

  • Earn interes

  • Earn store cashback

Add your Klarna Card to Apple Wallet or Google Pay

  1. Go to Wallet

  2. Select Klarna Card and tap Add to Apple Wallet or Add to Google Pay

  3. Fill-in your card details and agree to the T&Cs on the Apple Wallet intro screen

  4. Tap Done on the confirmation screen

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