What are the benefits of a Klarna Personal account?
A Klarna personal account is where you keep money in the Klarna app, held at WebBank, Member FDIC.¹ Use it to pay with your Klarna Card, redeem cashback,² and get faster refunds. Add money at any time.
What you can do with a Klarna personal account
Pay for purchases
Pay early
Get refunds faster
Get cashback
How a Klarna account can make budgeting easier
Keeping money in your Klarna account means your shopping money is in one place, so it’s easier to see how much you’ve set aside. Instead of moving money from your bank every time you check out, add money when your budget allows and spend directly from your account.
With your Klarna personal account, it’s easier to:
Plan ahead. Add money in line with your pay cycle or spending goals
Keep shopping money separate from monthly bills
See your card spending in one place
There’s no minimum balance required. You decide when and how much to add.
Use your Klarna Card anywhere Visa is accepted
Pay online or in store, and your purchases come straight from the balance in your Klarna account instead of your external bank account. Track everything in the Klarna app.³
Have your refunds sent straight to your Klarna account. Once the store processes your refund, it’s ready to use, with no wait for your bank. Put it toward your next purchase or use it to pay off an existing order, keeping your spending on track.
Redeem cashback to your account
Shop in the Klarna app at participating stores to earn cashback. Once confirmed, you can convert it to fund in your Klarna personal account and use it like any other money in your account.
With a Klarna membership, you can also earn cashback on everyday debit purchases and convert cashback to airline miles or hotel points. Eligibility and program terms apply.⁴