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Your money treated right

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

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Referee holding a Klarna Card

A card worth getting

Cashback, travel protection, no foreign exchange fees from Klarna, and lounge access with Klarna Max.

Trusted by millions worldwide

4.5
Web_Logotype_TrustPilot_Transparent_1x1Trustpilot rating
20
years of experience
119M
users worldwide
1m+
merchants

Your everyday money app

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

Your everyday money app

Tap into flexible payment options, cashback, spending insights, and a card that works everywhere.
Designed around you
Accepted everywhere
Web_Generic1_Brand_Cashback_9PercentBoosted_Custom
Built to grow
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Clear and simple
Always supported
  • Choose how you pay. In full, later, or over time.¹ 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 time¹ with our flexible payment options, giving you more control over your budget.
Learn more

Cards

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

Memberships

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

Balance

Add money in the Klarna app⁴ and pay flexibly, everywhere.

Savings

Save your way with our flexible savings account.

Cashback

Earn cashback on everyday purchases.⁵

Shopping

Search to find better prices on your favorite products.

Mobile

Get a Klarna phone plan with priority 5G on AT&T⁶, the nation’s most reliable network.
Memberships

Say yes to more

Upgrade to a membership for extra cashback, travel benefits and lifestyle perks.⁶

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 Pay⁸ or Google Pay⁹, or use your Klarna Card⁵ anywhere Visa is accepted.²

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Checkout

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Klarna app

Klarna cards

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Apple Pay

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
|
559,205 reviews

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

Find better deals, with no extra work

¹ Monthly financing through Klarna issued by WebBank.
​
CA resident loans made or arranged pursuant to a California Financing Law license. NMLS #1353190.
² Use your card anywhere Visa is accepted. Certain merchant, product, good and service restrictions apply. Some merchants do not accept virtual cards. Physical card only included with a paid Klarna Membership Plan.
³ 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.
⁴ Deposits in your balance account are held at WebBank, Member FDIC. Klarna is not an FDIC-insured bank and deposit insurance only covers the failure of WebBank. Your deposits in the balance account are eligible for pass-through deposit insurance coverage if certain conditions are satisfied. Funds may be made available to you before WebBank receives them (“early availability funds”); such early availability funds may not be FDIC insured until received by WebBank. Loans that you obtain using the Klarna Card are not insured by the FDIC and are not deposits. Account disclosures.
⁵ Klarna Cashback Rewards are awarded as points which can be redeemed for a credit to your Klarna balance and other benefits. Earn cashback on Klarna App purchases. Klarna balance account required to receive cashback. Cashback issuance depends on store approval and may be affected by cookie settings, combining offers, product exclusions, or other factors beyond our control. Limitations, terms, and conditions apply.
⁶ Klarna Cashback Rewards are awarded as points which can be redeemed for cash and other benefits. Klarna Balance required. Other limitations, conditions, and restrictions apply to benefits like Klarna Membership cashback.
​
See Membership Benefits Rewards Summary for terms and conditions for subscriptions based on your membership.
​
The Cancel For Any Reason service is provided by Klarna and is not insurance. Terms and limits apply.
​
Installation process can take a few minutes. Stable internet connection and eSIM compatible device required.
⁷ Exclusions apply. Learn more at https://www.klarna.com/us/buyer-protection/.

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Monthly financing through Klarna and One-time card bi-weekly payments with a service fee to shop anywhere in the Klarna App issued by WebBank. Other CA resident loans at select merchants made or arranged pursuant to a California Financing Law license. Copyright © 2005-2026 Klarna Inc. NMLS #1353190, 800 N. High Street Columbus, OH 43215. VT Consumers: For WebBank Loan Products (One-Time Cards, Financing, Klarna Card): THIS IS A LOAN SOLICITATION ONLY. KLARNA INC. IS NOT THE LENDER. INFORMATION RECEIVED WILL BE SHARED WITH ONE OR MORE THIRD PARTIES IN CONNECTION WITH YOUR LOAN INQUIRY. THE LENDER MAY NOT BE SUBJECT TO ALL VERMONT LENDING LAWS. THE LENDER MAY BE SUBJECT TO FEDERAL LENDING LAWS.

TermsCookiesNotice at CollectionKlarna.com