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 shop, and smarter ways to get more from everyday spending.
Everyday money simplified
Everyday money simplified
Pay with Klarna everywhere
From big brands to everyday favorites, Klarna lets you pay anywhere you want. Look out for Klarna at checkout, use the app, or simply tap your Klarna Card.
In the app
Everywhere else
Klarna puts safety first
Klarna protects your money and personal information with every purchase.⁷
Advanced real-time fraud monitoring
Strong privacy protections, by default
24/7 support when you need it
Real reviews from real people
Join 120m people who love to shop and pay with Klarna, rated 4.9 on the App Store and 4.8 on Google Play.
Available on the App Store
Available on Google Play
Klarna is available worldwide
Over 120m customers across 26 countries choose Klarna's flexible payment options, with 3.4 million transactions happening every day.
Frequently asked questions
Klarna is a shopping and payments app built to give you more control over your money. Pay now, or choose to pay later and spread the cost. You can shop at millions of stores worldwide directly through the Klarna app, or use the Klarna Card wherever Visa is accepted. Our memberships unlock more with boosted cashback, travel benefits and subscriptions. One app for everything: discovery, payments, tracking, and returns. Product availability may vary by market.
Yes, Klarna is a fully licensed bank in Sweden and the EU, and follows all local regulations wherever it operates. Trusted by 120m customers and 1.2m+ retailers globally, we've been building safe, secure shopping experiences since 2005. Eligible purchases come with Klarna's built-in Buyer Protection, so if something goes wrong, like an item that doesn't arrive or isn't as described, we've got your back.
To be eligible to use Klarna:
Be a resident of the United States or its territories
Be at least eighteen years old or of legal age in your state of residence.
Have a valid card/bank account.
Have full legal capacity to enter into a contract.
Accurately provide your true and correct personal details.
Be able to receive security verification codes via text message.
Good to know:
A valid Social Security Number (SSN) and a linked card or bank account may be required to use certain Klarna products, such as Pay in 4 and other credit-based payment options, as well as our banking products. Read our terms and conditions for more information.