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Your money treated right

Find a smarter way to pay, save, and keep on top of your finances.¹ Everything you need, all in one place with Klarna.

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¹ Please shop responsibly. 18+ ROI residents only. Credit subject to status. APR 0%. If you do not meet the repayments on your BNPL agreement, your account will go into arrears. This may affect your credit report, which may limit your ability to access a BNPL agreement in the future. Please shop responsibly. 18+ ROI residents only. Credit subject to status. APR 0%. Terms and conditions and late fees apply.

Trusted by millions worldwide

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20
years of experience
119m
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1m+
merchants

Your everyday money app

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

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.

Use your card anywhere Visa is accepted.

Your everyday money app

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

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.

Use your card anywhere Visa is accepted.

Designed around you
Accepted everywhere
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Built to grow
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Clear and simple
Always supported
  • Choose how you pay. In 3 interest-free instalments or the full amount. 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 during business hours when you need it.

Explore our offering

Payments

Pay over time with Klarna's flexible payment options.
Learn more

Card

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

A paid Klarna Membership is required for a physical card. A one-time plastic card fee applies. Account covered by the Swedish deposit guarantee scheme. Max. compensation per customer: SEK 1,150,000. National Debt Office makes compensation available within 7 business days from the date a right to compensation accrues. Read more here.

Memberships

Upgrade to a membership¹ for extra cashback, travel benefits, and lifestyle perks².

Balance

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

Account covered by the Swedish deposit guarantee scheme. Max. compensation per customer: SEK 1,150,000. National Debt Office makes compensation available within 7 business days from the date a right to compensation accrues. Read more here.

Savings

Save money your way with our flexible and fixed savings accounts.

Account covered by the Swedish deposit guarantee scheme. Max. compensation per customer: SEK 1,150,000. National Debt Office makes compensation available within 7 business days from the date a right to compensation accrues. Read more here.

Flex account interest rates subject to change. Interest earned is subject to tax and Deposit Interest Retention Tax (DIRT) may not be withheld. It is the consumer's responsibility to ensure that taxes are reported and paid on interest earned on your deposits.

Cashback

Earn cashback on everyday purchases.

Shopping

Search to find better prices on your favorite products.
Memberships

Say yes to more

Upgrade to a membership¹ for extra cashback, travel benefits, and lifestyle perks².

¹ The provision of this service does not require licensing, registration or authorisation by the Central Bank of Ireland, and as a result is not covered by Central Bank of Ireland rules designed to protect consumers or by a statutory compensation scheme. Klarna Membership offered for a monthly fee. Cancel any time in the Klarna app. Exclusions, conditions, and limitations apply to membership benefits. Klarna Membership Terms apply.

² Membership Plans get monthly deals at selected stores, one discount per store per monthly billing cycle. Use the Klarna App to pay at the store's checkout. Klarna Deals cannot be combined. 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.
Insurance and coverage benefits are provided by XCover, a trading name of Cover Genius Ltd, and subject to the terms, conditions, and exclusions of the policy. See full policy details for coverage information and limitations.
The Cancel For Any Reason service is provided by Klarna and is not insurance. Terms and limitations apply.
See Membership Benefits Rewards Summary for terms and conditions for subscriptions and other benefits based on your membership.

Pick how you pay

We've got you covered, however you prefer to pay. Look for the pink badge at checkout or online. Tap your Klarna Card anywhere Visa is accepted.

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Shop with built-in security

Your transactions include built-in buyer protection and advanced fraud prevention. So your money and data stay secure with every spend.

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Copyright © 2005-2026 Klarna Bank AB (publ). Klarna Bank AB (publ), trading as Klarna, is authorised by the Swedish Financial Supervisory Authority in Sweden and is regulated by the Central Bank of Ireland for consumer protection rules. Please shop responsibly, 18+, ROI residents only, T&Cs apply. Credit subject to status.

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