What is Klarna?
Klarna is your everyday money app, helping you manage spending, payments, and rewards. All in one place.
Built for real life, it gives you flexibility in how you pay, protection when you shop¹, and smarter ways to get more from everyday spending.
Everyday money simplified
Klarna Card
Pay with Klarna everywhere, online and in-store. Pay in full for everyday spending and choose to pay later for bigger purchases².
Flexible payments
Shop now and pay later with Klarna's flexible payment options. Choose to pay the full amount, in 30 days or with financing³.
Cashback
Earn cashback⁴ when you shop at hundreds of stores in the Klarna app. Redeem it for money added to your Klarna balance, or convert it to airline and hotel points with a membership plan⁵.
Budget tracking
Stay on top of your money with everything in one place. Track payments, see what’s coming up, manage cards and limits, and understand how cashback adds to your balance.
Pay with Klarna everywhere
From big brands to everyday favourites, Klarna lets you pay anywhere you want. Look out for Klarna at checkout, use the app, or simply tap your Klarna Card.
At checkout
Look for the pink badge when you checkout online at your favourite stores.
In the app
Choose flexible payments at any brand, and earn cashback ⁴ at select stores.
Everywhere else
Get the Klarna Card to pay in full or pay later, anywhere Visa is accepted⁶.
Klarna puts safety first
Klarna protects your money and personal information on every purchase.
Advanced real-time fraud monitoring
Strong privacy protections, by default
24/7 support when you need it
People love Klarna
Join 118+ million people who love to shop and pay with Klarna—rated 4.9 out of 5 on the App Store, with over 430K reviews.
Available on the App Store
Available on Google Play
Klarna is available worldwide
Over 118 million customers across 26 countries choose Klarna's flexible payment options, with 3,4 million transactions happening every day.
Frequently asked questions
Most of Klarna’s revenue comes from fees that stores pay to offer Klarna at checkout. They choose Klarna because it helps more people complete their purchases smoothly and feel confident while shopping.
Klarna earns a smaller amount from interest on our financing products and from late fees when payments are missed. These late fees are clear, limited, and often avoided completely. Klarna also provides reminders and flexible payment options to help people stay in control of their spending.
To be eligible to use Klarna you must:
Be a UK resident
Be at least 18
Have a valid card/bank account
Be able to receive verification codes via text
Your financing account is already set up with automatic payment withdrawals to help you stay on top of your payments.
A late fee will be added to your balance if we have not been able to collect your payment up to 14 days after an instalment is due. Prior to this, we will send friendly reminders via SMS, push notification, and email. You will only be charged a maximum of one late fee per unpaid instalment. Interest will only be applied to the original instalment amount.
Klarna is a flexible payment service that offers ways to buy now and pay later. Simply select Klarna at checkout when it’s available and we’ll quickly verify your details to complete the order. You can track and manage all payments in the Klarna app, with reminders to help you stay on schedule.
Shop smart with Klarna today
Download the app: