Pay yourway withKlarna
Shop securely and choose to pay in 3 interest-free payments, or in full.¹
4.8/5 in the App Store
¹ Please shop responsibly. 18+ ROI residents only. Credit subject to status. APR 0%. Missed payments may incur a fee and affect your ability to use Klarna in the future. T&Cs apply.
Use Klarna anywhere you shop
² 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.
³ A paid Klarna Membership is required for a physical card. Klarna Membership offered for a monthly fee. Cancel any time in the Klarna app. Exclusions, conditions, and limitations apply to membership benefits like Klarna Membership cashback. Klarna Membership Terms apply.
Why use Klarna
Enjoy secure shopping, lightning-fast checkout, and flexible payment options that suit your budget.
Flexible payments
Pay over time with Klarna's flexible payment options, giving you more control over your budget.
No fees if you pay on time
Shop with confidence knowing there are no surprise fees or charges when you use Klarna.
Smooth checkout
Enjoy a quick, seamless checkout process that makes shopping faster and easier.
Security and buyer protection
Shop safely with Klarna’s robust security features and buyer protection, ensuring peace of mind with every transaction.⁴
Cashback & deals
Unlock cashback rewards and exclusive offers, making every purchase even more rewarding.
Smart finances
Earn interest, manage payments flexibly, and keep your savings secure with Klarna balance, Flex account, and Fixed term savings account.⁵
⁴ Exclusions apply. Learn more.
⁵ The account is covered by the Swedish deposit guarantee scheme in accordance with a decision by the Swedish National Debt Office. The maximum compensation to each customer is SEK 1,150,000 (about EUR 100,000*) and the National Debt Office will make the compensation available for payment within 7 business days of the date the right to compensation commenced. Read more here. *The amount of compensation payable will be determined by the prevailing exchange rate at the time that the payment is made. By way of example, the amount of compensation that would be paid today equates to approximately 100000€ but this figure may fluctuate over time.
Shoppers love Klarna
114+ million people love to shop and pay with Klarna anywhere.
"Fabulous way to spread the cost of shopping. very straight forward to use"
Paul Johnson - 10th of June 2025
"I would recommend Klarna any day, any time. It’s by far the best money app ever made. It’s flexible and easy to use, good financing with tailor made customer support. Use it and you will thank me later"
Solomon - 4th of June 2025
"Klarna are brilliant! Very helpful when I had to send a product back to ebay. Very reassuring and easy to manage payment plan offered.. Also refunded promptly. Very satisfied customer."
Donna - 1st if June 2025
"Excellent customer service. I was so pleased with their efficiency in dealing with my issue."
Kelle S - 3rd of June 2025
"Klarna is my favorite go to pay in installments app. They have a variety of stores that we all love shopping on . As well as paying in store is super easy. They never disappoint, Klarna is my 1st recommendation."
KadijahLove - 8th of February 2025
Customer reviews reflect their personal experience and opinion.
Showing our 5-star reviews.
Find a great deal and spread the cost on over 2,8 million products
Security comes as a standard
Strict data protection
Pay it safe knowing that your money and data are secure from fraud.
Learn more
Take Klarna wherever you go
Earn cashback, shop all of your favourite stores and stay on top of your spending with the Klarna app.
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Choose your region
Klarna offers flexible payments globally.
Copyright © 2005-2026 Klarna Bank AB (publ). Klarna Bank AB (publ), is authorised by the Swedish Financial Supervisory Authority in Sweden and is regulated by the Central Bank of Ireland for conduct of business rules. Please shop responsibly, 18+, ROI residents only, T&Cs apply. Credit subject to status.