Everyday debit. Flexibility for the big buys.
No credit impact to apply
Want a debit card with extra flexibility when you need it? The Klarna Debit Flex Card is for you.¹ Pay from your balance for everyday purchases, and when a big purchase comes up, choose to split it before you pay.² Use it anywhere Visa is accepted.
² Paid membership required to access Klarna Card Pay Later plans. Financing Representative APR 27.9% (fixed). Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. Credit subject to status. Ts&Cs and late fees apply.
Why choose the Klarna Debit Flex Card
0% foreign exchange fees
Up to 1.5% cashback
Works everywhere
A debit card first. Flexible when you need it.
Pay with your balance
Pay in 3 or financing
⁵ Paid membership required to access Klarna Card Pay Later plans. Representative APR 35.1% (fixed). Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. Credit subject to status. Ts&Cs and late fees apply.
One card, three ways to pay
One card, three ways to pay
0% FX fees. Abroad and online.
You can use your card anywhere in the world Visa is accepted. Shop securely and flexibly in any currency at home or abroad, in-store and online, with no foreign exchange fees from Klarna.
Get even more out of your card
Cashback on every purchase, subscriptions⁶, world-class travel and purchase protection⁷, and more with a Klarna membership.⁴ From £4.99 to £44.99 a month.
Max
Everything from Premium, and:
1.5% cashback on every Klarna purchase—redeem as cash or travel points⁹
4x cashback at featured stores when you shop in the Klarna app⁹
Free unlimited 5G data and 20GB global roaming with Klarna Mobile¹⁰
Unlimited complimentary access to 1,500+ airport lounges
Cancel for any reason—70% refund on trips and events canceled ≥ 24 hours before¹¹
5GB of global data per month¹²
21 subscriptions included⁶
Premium
Everything from Plus, and:
1% cashback on every Klarna purchase—redeem as cash or travel points⁹
3x cashback at featured stores when you shop in the Klarna app⁹
Global travel protection⁷
Exclusive metal card¹³
2GB of global data per month¹²
11 subscriptions included⁶
Plus
Everything from Everywhere, and:
0.5% cashback on every Klarna purchase—redeem as cash or travel points⁹
2x cashback at featured stores when you shop in the Klarna app⁹
Purchase and price protection including damage, theft and extended warranties⁷
30-day best price guarantee⁷
1GB of global data per month¹²
Everywhere
Physical and virtual Visa card¹
Pay in 3 purchases included¹⁴
No foreign exchange fees from Klarna
Priority phone support—get help first in line
¹⁴ Paid membership required to access Klarna Card Pay Later plans. Representative APR 35.1%. Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. Credit subject to status. Ts&Cs and late fees apply.
Get started in minutes
Go to the Klarna app
Activate your card
Start paying with it
Frequently asked questions
Questions on the Klarna Debit Flex Card? Find your answers here. For any further help or troubleshooting, please contact customer service.
1. What is the Klarna Debit Flex Card?
The Klarna Debit Flex Card is a Visa debit card that lets you choose how to pay. By default, you pay directly from your balance. You can also switch to pay later if you want more flexibility. The card works both online and in-store, anywhere Visa is accepted.
2. Is the Klarna Debit Flex Card a credit card?
No, the Klarna Debit Flex Card is a debit card, not a credit card.
3. What's the process to get the Klarna Debit Flex Card?
You can apply in the Klarna app. During sign-up, we’ll ask for some details to confirm your identity. Once everything is verified and approved, your Klarna Debit Flex Card and Klarna balance will be ready to use.
4. Who can get the Klarna Debit Flex Card?
You need to meet certain requirements. Some of these are:
- Be a UK resident with a valid UK address
- Be at least 18 years old
- Have a valid identification document
5. What is a Klarna balance account?
When you apply for the card, you’ll automatically get access to Klarna balance, your built-in e-money account. Add funds, shop, and earn cashback—it all works together with your card. Your e-money account is a product regulated under the Electronic Money Regulations 2011.
6. Does Klarna balance have an account number?
No, you will not get an account number with your Klarna balance.
7. Where can I use the Klarna Debit Flex Card?
You can use the Klarna Debit Flex Card anywhere Visa is accepted. A virtual card can be added to your digital wallet (e.g., Apple Pay or Google Pay) for online and in-store contactless payments. A physical Klarna Debit Flex Card can be requested with a paid Klarna membership.
1. How do the two payment modes work?
Debit mode: Add funds to your Klarna balance and pay instantly with your card as you would with a regular debit card.
Pay later mode: Apply for a pay later plan for your next purchase and choose to pay from your Klarna balance or a connected card.
2. How do I switch between debit and pay later mode?
Switching is simple and instant in the Klarna app. Just follow these steps:
1. Tap "Plan a purchase"
2. Request your preferred payment option before your next purchase
3. Once you've completed your pay later purchase, the card will automatically set back to debit mode
3. Do I need to have money in my Klarna balance to use the card?
Only for debit mode—the card uses funds from your Klarna balance, just like a regular debit card. For pay later mode, you don’t need money in your Klarna balance. You can choose to fund the payment plan using either your Klarna balance or a connected card.
4. Can I change the payment mode after I've made a purchase?
No, you cannot change the payment mode yet. Soon, you'll be able to convert debit purchases into pay later plans. For now, be sure to select your preferred payment method before completing your purchase.
5. Can I change the amount in my current pay later plan?
In case of a higher purchase amount: You must cancel the plan you’ve set and then create another plan for the full purchase amount.
In case of a lower purchase amount: No worries, you’ll only be billed for what you end up using.
6. How do automatic top-ups work?
In the Klarna app, tap your Klarna Debit Flex Card and activate automatic top-ups. Set your top-ups to occur regularly or whenever your balance drops below an amount you choose.
1. When will I be charged for a pay later plan?
You'll only be charged after you make a purchase and the merchant processes the payment.
2. How do repayments work with pay later plans?
Your scheduled repayments are clearly shown in the Klarna app Payments section just like any purchase.
3. How do I cancel a pay later plan?
To cancel a pay later plan follow the below steps in the Klarna app:
1. Tap on the plan you created
2. Select “Cancel plan”
4. Are there fees for using the Klarna Debit Flex Card?
Using the card in debit mode is free. Pay later options clearly display any fees or interest upfront in the app. Charges may apply when enrolling in a paid Klarna membership.
5. What if a payment doesn't go through?
If a payment fails, we'll immediately notify you in the app. You can retry the payment or easily contact our support team for assistance.
1. Can I use my Klarna Debit Flex Card abroad?
Yes, your card works internationally, with no foreign exchange fees, making shopping abroad easy and convenient.
2. How do I track my spending?
All transactions—debit or pay later—are clearly tracked in the Klarna app.
3. Is the Klarna Debit Flex Card secure?
Yes, your card has robust security features, including real-time alerts and the ability to freeze your card instantly from the Klarna app.
4. Are the funds in my Klarna balance secured?
Your Klarna balance is safeguarded under UK E-money regulations. It's not covered by the Financial Services Compensation Scheme. Your full balance is still secured, even if Klarna goes out of business.