Klarna | Pay your way
Klarna Bank AB (publ)
4.8 ★
store rating
50,000,000+
downloads
Free
AppRecs review analysis
AppRecs rating 3.5. Trustworthiness 62 out of 100. Review manipulation risk 30 out of 100. Based on a review sample analyzed.
★★★☆☆
3.5
AppRecs Rating
Ratings breakdown
5 star
91%
4 star
6%
3 star
1%
2 star
0%
1 star
2%
What to know
⚠
Pricing complaints
Many low ratings mention paywalls or pricing
⚠
Recent stability concerns
Recent complaints mention login problems
⚠
Review quality concerns
45% of sampled 5-star reviews are very short
About Klarna | Pay your way
FLEXIBLE WAYS TO PAY
Shop anywhere in the Klarna app with flexible payment options. Choose to pay in 4 interest-free payments, pay the full amount, in 30 days or over time.¹
SHOP WITH THE KLARNA CARD²
Pay with Klarna anywhere Visa is accepted. Pay now or pay later with the card. No credit impact to apply. Unlock exclusive benefits with a membership.
UP TO 10% CASHBACK
Shop in the app and earn up to 10% cashback.³ Get cashback at hundreds of stores in the app.
USE KLARNA WITH GOOGLE PAY
Split the cost with Klarna on Google Pay, available online and in-app⁴
MOBILE PLAN
Get reliable coverage on AT&T’s network with unlimited 5G that stays fast⁵ for just $40/month. No hassle, cancel anytime.⁶
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 and we’ll pause your payments.
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 Klarna app for 24/7 support.
¹Monthly financing through Klarna issued by WebBank. Other CA resident loans made or arranged pursuant to a California Financing Law license. NMLS #1353190.
²Deposits 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 not insured by the FDIC and are not deposits. Account disclosures: https://cdn.klarna.com/1.0/shared/content/legal/terms/0/en_us/balance-deposit-account-disclosures
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.
³Klarna 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 and funds can only be used within Klarna. Cashback issuance depends on store approval and may be affected by cookie settings, combining offers, product exclusions, or other factors beyond our control. Klarna may get a commission. Limitations, terms and conditions apply: https://cdn.klarna.com/1.0/shared/content/legal/terms/en-US/klarna-balance
⁴Google Pay is a trademark of Google LLC.
⁵Actual speeds vary by location, network, and device. Subject to Acceptable Use Policy.
⁶Cancel up to 24 hours before renewal in the Klarna app.
Unlocked device and no. required. Some numbers not eligible.
Shop anywhere in the Klarna app with flexible payment options. Choose to pay in 4 interest-free payments, pay the full amount, in 30 days or over time.¹
SHOP WITH THE KLARNA CARD²
Pay with Klarna anywhere Visa is accepted. Pay now or pay later with the card. No credit impact to apply. Unlock exclusive benefits with a membership.
UP TO 10% CASHBACK
Shop in the app and earn up to 10% cashback.³ Get cashback at hundreds of stores in the app.
USE KLARNA WITH GOOGLE PAY
Split the cost with Klarna on Google Pay, available online and in-app⁴
MOBILE PLAN
Get reliable coverage on AT&T’s network with unlimited 5G that stays fast⁵ for just $40/month. No hassle, cancel anytime.⁶
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 and we’ll pause your payments.
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 Klarna app for 24/7 support.
¹Monthly financing through Klarna issued by WebBank. Other CA resident loans made or arranged pursuant to a California Financing Law license. NMLS #1353190.
²Deposits 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 not insured by the FDIC and are not deposits. Account disclosures: https://cdn.klarna.com/1.0/shared/content/legal/terms/0/en_us/balance-deposit-account-disclosures
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.
³Klarna 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 and funds can only be used within Klarna. Cashback issuance depends on store approval and may be affected by cookie settings, combining offers, product exclusions, or other factors beyond our control. Klarna may get a commission. Limitations, terms and conditions apply: https://cdn.klarna.com/1.0/shared/content/legal/terms/en-US/klarna-balance
⁴Google Pay is a trademark of Google LLC.
⁵Actual speeds vary by location, network, and device. Subject to Acceptable Use Policy.
⁶Cancel up to 24 hours before renewal in the Klarna app.
Unlocked device and no. required. Some numbers not eligible.
