Your money treated right
Discover a smarter way to pay, save, and stay on top of your money. All in one place with Klarna.
Trusted by millions worldwide
Your everyday money app
Your everyday money app
- Choose how you pay. In full, later³, or over time³. Always with clear terms and helpful reminders.
- Pay with Klarna wherever you shop, online and in physical stores.
- Turn spending into rewards. Earn cashback¹ 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
Cards
Memberships
Balance
Cashback
Shopping
Mobile
Say yes to more
Upgrade to a membership for extra cashback, travel benefits and lifestyle perks.⁷
Shop with built-in security
Your transactions include built-in buyer protection¹⁰ and advanced fraud prevention. So your money and data stay secure with every spend.
¹ 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.
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 Monthly financing through Klarna issued by WebBank. Other CA resident loans made or arranged pursuant to a California Financing Law license. NMLS #1353190.
⁴ 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.
⁵ 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.
⁶ Klarna mobile plan provides priority data on AT&T’s 5G network (QCI 8) for more consistent speeds and lower latency during congestion.
⁷ 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.
Plus and higher Membership Plans get twelve monthly deals at twelve selected stores (up to a max $80/month) one discount per store per monthly billing cycle. Use the Klarna App to pay with Klarna at the store's checkout. Klarna Deals cannot be combined and can only be used once. Discounts can be modified based on availability, retailer participation, or due to technical issues. Discount will not be reflected in any receipt from the partner store, please refer to your Klarna receipt. Klarna may get a commission.
Protection plans provided by Cover Genius Insurance Services, LLC and administered via our XCover platform. Insurance coverages are subject to the terms, limitations and exclusions in the plan. Learn more.
The Cancel For Any Reason service is provided by Klarna and is not insurance. Terms and limits apply.
⁸ Klarna on Apple Pay is available in-store on iPhone and online or in-apps on iPhone or iPad.
Software requirements apply. Use Klarna’s plans for a service fee, loans issued by WebBank. Loans not offered by Apple. Terms apply.
⁹ Google Pay is a trademark of Google LLC. Klarna loans on Google Pay issued by WebBank.
¹⁰ Exclusions apply. Learn more at https://www.klarna.com/us/buyer-protection/.