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Your hottest membership deal

Get 30% off Klarna Premium or Max for 3 months.

* Offer valid for new Premium and Max users only, expires 31.8.26. T&Cs apply.

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Your money treated right

Discover a smarter way to pay, save, and manage your money. Find everything you need in one place with Klarna.

Download the app

A card worth getting

Cashback, travel protection, no foreign exchange fees from Klarna, and lounge access with Klarna Max.

Trusted by millions worldwide

4.5

Trustpilot rating

years of experience

119M

users worldwide

1m+

merchants

Your everyday money app

Tap into flexible payment options, cashback, spending insights, and a card that works everywhere.¹

¹ Klarna’s Pay in 3/Pay in 30 days are unregulated credit agreements. Klarna Financing is regulated if it charges interest or lasts over 12 months. It is not regulated if it’s 0% interest and 12 months or less. Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. 18+, UK residents only. Klarna’s Regulated Financing has a representative APR of 21.9% (fixed).

Your everyday money app

Tap into flexible payment options, cashback, spending insights, and a card that works everywhere.¹

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 full, later, or over time. 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 when you need it.

Explore our offering

Payments

Pay over time with Klarna's flexible payment options.¹

Learn more

Cards

Choose how you pay and take the benefits of Klarna wherever you go.²

Learn more

Memberships

Upgrade to a membership for extra cashback, travel benefits and lifestyle perks. ³

Learn more

Balance

Add money in the Klarna app and pay flexibly¹, everywhere.

Learn more

Cashback

Earn cashback on everyday purchases. ⁴

Learn more

Shopping

Search to find better prices on your favourite products.

Shop now

Memberships

Say yes to more

Upgrade to a membership for extra cashback, travel benefits and lifestyle perks.⁵

Learn more

Pick how you pay

We've got you covered, however you prefer to pay. Look for the pink badge at checkout or online. Tap with Apple Pay⁶ or use your Klarna Card anywhere Visa is accepted.

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Shop with built-in security

Your transactions include built-in buyer protection⁷ and advanced fraud prevention. So your money and data stay secure with every spend.

Learn more

Real reviews from real people

TrustScore

4.5

560,517 reviews

Customer reviews reflect their personal experience and opinion. Showing our 5-star reviews.

Find better deals, with no extra work

² Use your card anywhere Visa is accepted.

³ 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.

⁴ 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.

⁵ 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.

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.

Insurance and coverage benefits arranged by Klarna Premium Services Ltd. and 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 limits apply.

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.

⁶ Klarna on Apple Pay is available in-store on iPhone and online or in-apps on iPhone or iPad. Software requirements apply. Loans not offered by Apple.

Service fee or a paid membership required to access Pay Later plans. Pay in 3 Loans with a service fee are regulated credit agreements. Representative APR 38.75%. Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. 18+, UK residents only. Credit subject to status. Ts&Cs and late fees apply.

Paying over time on Apple Pay: Loans not offered by Apple. Subject to eligibility requirements and approval. Apple provides technical services for Paying Over Time on Apple Pay. Apple is not providing financial services, and all lending and payment services are provided to you by the relevant card issuer and lending provider. Not available in all markets, and may not be available for all types of purchases, such as subscriptions and recurring transactions. Available in-store on iPhone, and online and in-app on iPhone or iPad. Software requirements apply. Additional terms may apply. For more eligibility and feature details, see https://support.apple.com/120477.

To use Apple Pay, you need a supported card from a participating card issuer. To check if your card is compatible with Apple Pay, contact your card issuer.

Apple Pay is not available in all markets. View Apple Pay countries and regions.

Features are subject to change. Some features, applications, and services may not be available in all regions or all languages and may require specific hardware and software. For more information, see Feature Availability.

⁷ Exclusions apply. Learn more at https://www.klarna.com/uk/buyer-protection-description/.

Your hottest membership deal

Your money treated right

A card worth getting

Trusted by .pr-1uyrw6c{position:relative;display:inline-block;flex-direction:column;flex-shrink:0;padding-left:var(--spaces-space-4);padding-right:var(--spaces-space-4);background-color:var(--colors-bg-brand);}millions worldwide

Your everyday money app

Your everyday money app

Explore our offering

Payments

Cards

Memberships

Balance

Cashback

Shopping

Say yes to more

Pick how you pay

Checkout

Klarna app

Klarna cards

Apple Pay

Shop with built-in security

Real reviews from real people

Find better deals, with no extra work

Trusted by millions worldwide