Klarna balance

Getting started with Klarna balance

What is Klarna balance?
Who can apply for a Klarna balance?
How do I open a Klarna balance?
I can't open a Klarna balance, what can I do?
Why is my IBAN a Swedish IBAN?
Can I open a Klarna balance if I don't reside in the country?
Will I receive a Klarna Card when I sign up for a Klarna balance?
Does signing up for a Klarna balance affect my credit score?

Add money

Where and how can I set up automatic reloads?
How do I link a bank account to my Klarna balance?

Using your money

Can I use Klarna balance for subscriptions or bills?
Can I split a payment between my Klarna balance and another method?
How do I withdraw funds from my Klarna balance?

Sending & receiving money

How does Klarna's Send Money work?
Who can I send money to?
How do I send money to someone in my contact list?
How do I send money to someone who is not in my contact list?
Can I send money to someone who doesn't have a Klarna balance?
How do I send or receive money using a QR code?
How do I search for someone to send money to?
How does phonebook sync work?
How can I block a contact?
How can I unblock someone?
How can I control what others see about me?
Can I cancel or undo a transfer?
Why did my Klarna balance transfer fail?
Why did my transfer fail?
Can I send money in different currencies?
What happens when I request money from someone?
Who can I request money from?

Cashback

What is cashback?
How do I earn cashback?
Who can earn cashback?
Where can I see my cashback?
How can I redeem cashback?
Why haven't I earned or received my cashback yet?
Can I use Klarna deals and earn cashback?
Is all cashback instant?
Does cashback expire?
Is there a limit on how much cashback I can earn?
Is cashback tied to instalment payments?
What happens if I return an order that earned cashback?
What do the different cashback states mean?
Are any products or categories excluded from cashback?

Documents & statements

Where do I find statements and documents?

Account Management

How can I close my Klarna balance?

Legal topics

How do I notify Klarna when a Klarna balance customer passes away?
What to do to assign a guardian to a Klarna balance customer?
How can I authorise someone to manage my Klarna balance on my behalf?

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