One account. Endless possibilities.
Add money in the Klarna app and pay flexibly, everywhere.¹ Plus, get instant refunds and redeem cashback as a credit to your balance.²
Get started:
¹ Paid membership plan required for a physical card. Klarna’s Pay in 3 is an unregulated credit agreement. Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. 18+, UK residents only. Subject to status. Ts&Cs and late fees apply.
² Klarna Cashback Rewards are awarded as points which can be redeemed for a credit to your Klarna balance and other benefits. Earn cashback on Klarna App purchases. Klarna balance account required to receive cashback. Cashback issuance depends on store approval and may be affected by cookie settings, combining offers, product exclusions, or other factors beyond our control. Limitations, terms, and conditions apply.
Pay fast and earn more
Enjoy faster payments and refunds, with total control over your money.
Pay with Klarna everywhere
Get a card and pay flexibly wherever Visa is accepted, online and In-store.
Add funds instantly
Top-up your balance in seconds with your debit card.
Earn cashback
Get cashback when you shop at select stores in the Klarna app. Your cashback will appear in the app once confirmed and can be redeemed as a credit on your Klarna balance.
Shop with peace of mind
Protect every purchase with buyer protection and safeguard your details with extra security.
Track payments
View all your purchases and monitor your payment plans directly in the app.
Getting started is free and fast
Go to the Klarna app
Activate balance
Add funds
Security comes as standard
Your funds are held to the highest security standards. Klarna provides built-in security for your money and data, with advanced fraud prevention and 24/7 support.
People love Klarna
119m people love to shop and pay with Klarna anywhere.
"Fabulous way to spread the cost of shopping. very straight forward to use"
Paul - 10th of June 2025
"I would recommend Klarna any day, any time. It’s by far the best money app ever made. It’s flexible and easy to use, good financing with tailor made customer service. Use it and you will thank me later"
Solomon - 4th of June 2025
"Klarna are brilliant! Very helpful when I had to send a product back to ebay. Very reassuring and easy to manage payment plan offered.. Also refunded promptly. Very satisfied customer."
Donna - 1st of June 2025
"Excellent customer service. I was so pleased with their efficiency in dealing with my issue."
Kelle S - 3rd of June 2025
" I absolutely love the freedom and simplicity of this app, so easy to keep track of every transaction and it makes you feel safe and protected. Brilliant app and I would recommend Klarna time and time again. "
Martin - 15th of February 2025
Customer reviews reflect their personal experience and opinion. Showing our 5-star reviews.
Frequently asked questions
Klarna Balance is the money stored in your Klarna account. It lets you store funds you’ve added, plus refunds and cashback, and then use those funds to pay for purchases, instalments, subscriptions, or scheduled payments via Klarna.
Access your Klarna balance right in the app. To sign up, we'll ask you to fill in some information to verify your identity. It only takes a few minutes, and you can add money with your debit card.
Yes, you can sign up for Klarna balance for free.
You can earn cashback on your purchases when you shop at participating stores in the Klarna app.
Yes, you can use your balance to settle any Klarna payments early in the app as long as you have enough money in your balance. You can add money with your other debit card if you have purchase power with Klarna and are eligible to spend with us.³
By logging in to the app.
1. Go to Wallet
2. Select Klarna balance
3. Tap Add money and follow the prompts to transfer funds from a debit card in your name
When a payment is made, Klarna automatically updates your available purchase power. Keeping open invoices to a minimum is crucial. When you use Klarna balance, you're paying off your invoices faster, which allows for a quicker adjustment of your purchase power.³
Purchase power is an estimate of your available spending amount with Klarna. However, it's not a guaranteed amount, but a useful guide to manage your spending.
You can use your Klarna balance to pay for any existing Klarna orders or services:
1. Go to Payments
2. Choose a pay later purchase
3. Tap Pay early and select Klarna balance as your funding source
Alternatively, you can choose Klarna balance as your preferred payment option in the store’s checkout.
You have the option to have all your refunds, regardless of the Klarna payment method chosen, credited earlier to your Klarna balance - avoiding lengthy banking processing times. The refunds will be available in your Klarna balance immediately after it has been processed by the merchant. To manage this feature:
1. Go to Wallet
2. Navigate to Settings
3. Tap Manage and toggle on Faster refunds
³ Exclusions apply. Learn more at https://www.klarna.com/uk/buyer-protection-description/.
Get started in minutes
Add funds and pay instantly, anywhere. Top up your Klarna balance in seconds and use your card online or in-store.
Get started: