Klarna: Smarter everyday money

Klarna: Smarter everyday money

Klarna Bank AB · 4.9 ★ · FREE

Screenshots

Description

FLEXIBLE WAYS TO PAY
Shop anywhere in the app with flexible payment options. Choose to pay in 3 interest-free instalments, pay the full amount, in 30 days or with financing.¹

¹ UK: 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).

¹ Ireland: 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. https://www.klarna.com/ie/terms-and-conditions/.

SHOP WITH THE KLARNA CARD
Pay with Klarna anywhere Visa is accepted. Pay now or pay later with the card. No fees and no credit impact to apply. Unlock exclusive benefits with a membership.²

² UK: Service fee or a paid membership required to access Klarna Card 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. Subject to status. Ts&Cs and late fees apply.

² UK & Ireland: 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. Annual value amount reflects your Membership's total available benefits, such as subscriptions and discounts. Actual results will vary based on benefit usage.

UP TO 10% CASHBACK
Shop in the app and earn up to 10% cashback. Get cashback at hundreds of stores in the app.³

³ 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.
UK: https://cdn.klarna.com/1.0/shared/content/legal/terms/en-GB/cashback
Ireland: https://cdn.klarna.com/1.0/shared/content/legal/terms/en-IE/cashback

UNLOCK YOUR KLARNA BALANCE
Add money to your balance and pay flexibly, anywhere you shop. Get instant refunds, earn cashback at eligible stores, and convert your cashback as a credit in your balance.⁴

⁴ Ireland: 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: https://www.riksgalden.se/en/our-operations/deposit-insurance.

USE KLARNA WITH APPLE PAY
Split the cost with Klarna on Apple Pay, available in-store and online.

FIND THE BEST PRICE, EVERY TIME
Search for any product and instantly compare prices across stores.

HASSLE-FREE RETURNS
Need to send something back? Report a return right in the app. We’ll pause your purchase so you don’t have to pay in the meantime.

TRACK ALL YOUR DELIVERIES
Get real-time updates, arrival times, and pickup photos—right in the Klarna app.

24/7 CUSTOMER SERVICE
Use our chat in the app for 24/7 support.

Developer

Klarna Bank AB

Developer ID: 1075880092

View More Apps →

What's New

Version 26.15.157 · 14 Apr 2026

The Klarna app puts you in control of your payments, making it easy to manage every purchase in one place. Enjoy flexible payment options that let you shop anywhere—even at stores not partnered with Klarna—and pay in a way that fits your budget. Earn up to 10% cashback on your purchases, view upcoming payments, and stay organized with real-time updates. We've also made some minor updates and fixes.

Ratings & Reviews

4.9

456,003 ratings

Recent Reviews

G2026@1

v26.15.157

User2026

Really good way to help. Hold my credit. I had to pay in full through the app over £2000 in full before I was able to use he pay in 3, I was bankrupt though but obviously getting another shot as I’m budgeting better

15 Apr 2026

Sam G 777

v26.15.157

Subscription?

Was tempted to apply for the Klarna card but put off by the monthly subscription fee!

14 Apr 2026

Lex7895

v26.14.277

Service fee on pay in three

Shame on you Klarna. A lot of us were loyal customers for years and you are now charging us a fee just to use the same service. You have to 7.99 a month just to avoid it. Pure greed.. Time for people to move to a new provider. Extremely disappointing

14 Apr 2026

Dodg007

v26.14.277

Easy to use

I’ve found Klarna incredibly easy to use, especially for those unexpected or emergency purchases. It really helps take the pressure off when you need to buy something important but don’t want to pay everything upfront. What I like most is the peace of mind it gives me when I’m out shopping, I know I can still get what I need without immediately impacting my finances. Being able to spread the cost over a short period makes it much more manageable and helps me avoid getting into financial difficulty. Overall, it’s a convenient and reliable option that makes budgeting a lot easier while still letting you access what you need when you need it.

12 Apr 2026

Tinging piddlipo

v26.14.277

Super Klarna

Absolutely brilliant. Very very handy.

12 Apr 2026

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