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.
Yesterday when I opened Stocard app and saw I had to transfer I did in a panic as I was in a queue. The move over was very easy but I’ve seen twice a mention of payments. Pls tell me we don’t pay to use this app? When you mention payments are you merely referring to us using our cards in the app to make our own payments. Stocard was free. Please could you confirm. Last thing in the App Store it shows that we can manage our payments example see how much we’re spending - is this going to be available in South Africa on the app and is that a cost or free. Thanks Barbra.
Developer Response
Thank you for your review. We are glad to hear that our services have been convenient for you and hope that they continue to be so in the future. Kindly be advised that the Klarna Wallet is a free service therefore there is no cause for concern. In reference to availability in South Africa we are closely monitoring the response to these changes to see what adjustments we can make to better meet the needs of our Stocard customers. We want to assure you that your feedback has been heard. Please watch for future updates.
Still no OTP
Jc3pOK
No OTP, no way to migrate and no way to contact customer support without an OTP. If you really want to help customers, stop giving generic answers to reviews, we are all asking for help. Open customer support to people without a mobile OTP or provide an option to only use email OTP (which does work) - your text message service to South Africa is obviously broken. Listen to the complaints and reviews and give us a viable solution to finalize the migration from Stocard. Email, WhatsApp, online chat, whatever! Text OTPs do not work, deleting, upgrading, reinstalling… does not work. Wake up!
Developer Response
Hi, Thank you for your review. We would be happy to look into this further and therefore recommend that you contact our customer service who can investigate this further internally. You can contact our customer service through by calling us. You can find our current phone number on the website. Have a nice day!
Terrible experience for Stocard users
JonathanL-ZA
These guys deliberately went out their way to “turn off” the perfectly working Stocard app without first make sure the Klarna app had feature parity with it, for example it’s not possible to add cards to Apple Wallet.Furthermore, I discover while wanting to use a loyalty card at a store that they they’re holding my card details ransom until I create a Klarna account which requires both my cellphone number (super obnoxiously) and an email address.This the first I’ve really done anything with Klarna and I already dislike them.
Developer Response
Hi there, to ensure the security of your Klarna account and to prevent the loss of your loyalty cards, you need to create an account using your phone number and email address. For the migration of Stocard to Klarna, this verification is a necessary step. Your concerns are important to us, and we apologize for any inconvenience. We are committed to enhancing your experience and we encourage you to stay updated with our latest developments.
Unable to log in no way to bypass previous account details
Dashlenny
Used Klarna when I lived abroad 4/5 years ago in Germany. So I had an existing account back then. Now I have returned to my home country where I can no longer use my Stocard as it’s been replaced with Klarna and I am unable to create a new account with my current mobile number due to my old account having my old German number from 4/5 years ago which I don’t have anymore. No way around it. Downloading a different app to store my loyalty cards digitally.
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.
Version 26.21.255
The developer, Klarna Bank AB, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Used to Track You
The following data may be used to track you across apps and websites owned by other companies:
Identifiers
Usage Data
Data Linked to You
The following data may be collected and linked to your identity:
Purchases
Financial Info
Location
Contact Info
User Content
Search History
Browsing History
Identifiers
Usage Data
Diagnostics
Other Data
Privacy practices may vary based, for example, on the features you use or your age. Learn More
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
This app has an age rating of 4+ with content restrictions. Some content may be rated higher, but access is managed by the developer through in-app controls.
