It pays to have a membership
Pay one price. Get cashback on every purchase with a Klarna Card. Here's exactly how.¹
It pays to have a membership
Pay one price. Get cashback on every purchase with a Klarna Card. Here's exactly how.¹
Subscriptions
Get up to £220/month in subscription value. More than your membership costs.²
Cashback
With average spend, you earn around £15 worth of cashback/month.³
Travel perks
Access up to £96/trip in airport lounges and travel perks.⁴
Travel eSIM
Get up to £33/trip in travel eSIM value.⁵
Banking perks
Get up to £41/month in everyday finance perks.⁶
The maths, made simple
The maths, made simple
Choose your membership
Premium covers the essentials. Max adds cancel-for-any-reason protection and free lounge access.
Premium
Up to £3,600 in annual benefit value¹¹
£13.99/month for 3 months (then £19.99/month).
Built-in travel protection and a metal card¹². Premium has the essentials covered.
Earn cashback, redeem as cash or travel points.
Global travel, medical, and rental car protection
Purchase and price protection with extended warranties
No foreign exchange fees from Klarna when you pay with your Klarna Card
Max
Up to £6,000 in annual benefit value¹¹
£30.99/month for 3 months (then £44.99/month).
Cancel-for-any-reason protection¹³, lounge access, and everything included in Premium.
Earn cashback, redeem as cash or travel points.
Cancel for any reason, get up to 70% back on non-refundable bookings
Access 1,500+ airport lounges worldwide
Global travel, medical, and rental car protection
Get started with your Klarna Membership
Open the Klarna app, explore memberships, and find the right one for you. Start enjoying the benefits straight away.
¹ Based on the combined value of all Max-tier benefits below — subscriptions, cashback, and banking perks — on a monthly basis, plus lounge access and eSIM value applied once per qualifying trip. Actual value depends on usage.
² Based on the total retail value of all subscription partners included in the Max plan, assuming full use of every included subscription.
³ Based on 1% cashback on an assumed average monthly spend of £1,500. Actual cashback earned depends on your spend and purchase category.
⁴ Based on the average retail cost of comparable airport lounge access per visit, plus the estimated value of medical and rental car coverage, assuming one trip.
⁵ Based on the average retail cost of a comparable prepaid travel eSIM data plan, per trip.
⁶ Based on the value of fee-free international payments and flexible payment terms. Actual value depends on usage.
⁷ Klarna Travel eSIM is provided by Gigs, with Klarna Technologies AB acting as agent on Gigs' behalf. Klarna Travel eSIM Terms and the Gigs End User Service Agreement apply.
⁸ Insurance and coverage benefits arranged by Klarna Premium Services Ltd. and provided by XCover, a trading name of Cover Genius Ltd, and subject to the terms, conditions, and exclusions of the policy. See full policy details for coverage information and limitations.
⁹ See Membership Benefits Rewards Summary for terms and conditions for subscriptions and other benefits based on your membership.
¹⁰ Paid membership required to earn Klarna Cashback Rewards using your Klarna Card. Klarna Cashback Rewards are awarded as points which can be redeemed for a credit to your Klarna balance and other benefits. Other limitations, conditions, and restrictions apply to benefits like Klarna Membership cashback.
¹¹ Annual value amount reflects your Membership's total available benefits, such as subscriptions and discounts. Actual results will vary based on benefit usage.
¹² A break fee may apply if you have a metal card and cancel within 6 months. Learn more.
¹³ The Cancel For Any Reason service is provided by Klarna and is not insurance. Terms and limits apply.