One account. Endless possibilities.

Your Klarna Balance is your in-app account for flexible payments. You can spend it anywhere with your linked Klarna Card or use it to pay existing Klarna orders. Refunds go straight to your balance, and with a membership, you can earn interest (rates vary by plan). You can also convert cashback from in-app shopping directly into your balance.

Access your Klarna balance right in the app. To sign up, we'll ask you to fill in some information to verify your identity. It only takes a few minutes, and you can add money with your debit card.

Yes, you can sign up for Klarna balance for free.

You can earn cashback on your purchases when you shop at participating stores in the Klarna app. Once your cashback is confirmed, it is deposited into your Klarna balance. Make sure to activate your balance, so that any accumulated cashback can be redeemed.

Yes, you can use your balance to settle any Klarna payments early in the app as long as you have enough money in your balance. You can add money with your other debit card if you have purchase power with Klarna and are eligible to spend with us.³

By logging in to the

1. Go to

2. Select Klarna balance

3. Tap Add money and follow the prompts to transfer funds from a US debit card in your name

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When a payment is made, Klarna automatically updates your available purchase power. Keeping open invoices to a minimum is crucial. When you use Klarna balance, you're paying off your invoices faster, which allows for a quicker adjustment of your purchase power.³

Purchase power is an estimate of your available spending amount with Klarna. However, it's not a guaranteed amount, but a useful guide to manage your spending.

You can use your Klarna balance to pay for any existing Klarna orders or services:

1. Go to Payments

2. Choose your Pay in 4 or Pay over time purchase

3. Tap Pay early and select Klarna balance as your funding source

Alternatively, you can choose Klarna balance as your preferred payment option in the store’s checkout.

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You have the option to have all your refunds, regardless of the Klarna payment method chosen, credited earlier to your Klarna balance - avoiding lengthy banking processing times. The refunds will be available in your Klarna balance immediately after it has been processed by the merchant. To manage this feature:

1. Go to Wallet
2. Navigate to Settings
3. Tap Manage and toggle on Faster refunds

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