• For shoppers
  • For business
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Pink percent sign on a green stage with various products

Double the cashback

Earn boosted cashback at handpicked stores during Klarna Days*, from November 13-15. Only in the Klarna app.

Learn more
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Pink socks with the Klarna K in an open gift box on a plush rug.

Shop smarter this Christmas

Compare deals across thousands of stores and find the lowest price in seconds.

Shop nowShop deals
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Cat sitting on a stool

Stay on top of your money

Discover a smarter way to pay, save, and stay on top of your money. All in one place with Klarna.

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Person with a Klarna keyring; animated overview of Klarna app payments on a phone.

Your money treated right

Discover a smarter way to pay, save, and manage your money. Find everything you need in one place with Klarna.

Trusted by millions worldwide

4.5
Trustpilot logo.Trustpilot rating
21
years of experience
120m
users worldwide
1.2m+
merchants

Your everyday money app

Tap into flexible payment options, cashback, spending insights, and a card that works everywhere.¹

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. Klarna Financing has a representative APR of 21.9% (fixed).

Your everyday money app

Tap into flexible payment options, cashback, spending insights, and a card that works everywhere.¹

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. Klarna Financing has a representative APR of 21.9% (fixed).

Designed around you
Accepted everywhere
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Built to grow
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Clear and simple
Always supported
  • Choose how you pay. In full, later, or over time. Always with clear terms and helpful reminders.

  • Pay with Klarna wherever you shop, online and in physical stores.

  • Turn spending into rewards. Earn cashback on purchases, and watch it all stack up.

  • Track expenses, manage your money, and stay on budget in the app.

  • Get instant answers from our 24/7 AI assistant, with real human support when you need it.

Explore our offering

Payments

Pay over time with Klarna's flexible payment options.¹
Pay at checkout

Cards

Choose how you pay and take the benefits of Klarna wherever you go.²
See Klarna Cards

Memberships

Upgrade to a membership for extra cashback, travel benefits and lifestyle perks. ³
See memberships

Klarna Balance

Add money in the Klarna app and pay flexibly¹, everywhere.
Learn more

Cashback

Earn cashback on everyday purchases. ⁴
Explore cashback

Shopping

Search to find better prices on your favourite products.
Shop now
Memberships

Say yes to more

Upgrade to a membership for extra cashback, travel benefits and lifestyle perks.
⁵

Pick how you pay

We've got you covered, however you prefer to pay. Look for the pink badge at checkout or online. Tap with Apple Pay⁶ or use your Klarna Card anywhere Visa is accepted.

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Checkout

Pay at checkout
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Klarna app

Klarna cards

Shop with built-in security

Your transactions include built-in buyer protection⁷ and advanced fraud prevention. So your money and data stay secure with every spend.

Real reviews from real people

4.5 out of 5 star rating on Trustpilot
TrustScore
4.5
|
629,886 reviews

Customer reviews reflect their personal experience and opinion. Showing our 5-star reviews.

Find better deals, with no extra work

*Klarna Days run 13–15 November 2026. Double in-app cashback rates are applied at participating stores only. Membership cashback also applies. Example: a merchant cashback of 2% would during the campaign be 4% for non members and Everywhere members, 8% for Plus members, 12% for Premium members and 16% for Max members. Membership cashback remains the same and is added on top. So in the example above total cashback would be 8,5% for Plus members, 13% for Premium and 17,5% for Max.