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In the Klarna app, you can choose to pay later in 4 installments, interest-free. This gives you the chance to get what you love now and make your payments more manageable over time.

The more you use pay later in 4 installments with Klarna and pay back on time, the more purchasing power you unlock, as well as exclusive deals and offers, of course!

Never pay too much for the stuff you love again. In the Klarna app you can find weekly deals and discounts for thousands of different products. The deals tab will always be updated as soon as another deal from our retailer network goes live.

The Klarna app gives you a better way to discover, browse, and shop the stuff you love. Whether you’re looking for fashion, furniture or home electronics, you can check out any online store in our one-stop shopping portal and choose to pay later in 4 interest-free installments.

Keep track of what you love. Browse online stores, pin your favorites, and share your saved items with friends. All in one app.

While onboarding, you will do a quick questionnaire to identify your interests. After this, we will deliver you personalized Wish lists based on your taste.

You no longer have to log in to different websites and search tracking numbers or call to check where your package is. Just check your order status in the app.

Never pay full price again. When you set up price-drop notifications in our app, you’ll be the first to know when your favorited products go on sale.

Love being organized? When you shop with Klarna, you get a complete overview of all your purchases and payments. You can now pay a single installment early for added convenience.

No one likes to wait. When you buy something through our app, you'll see your purchase just seconds after your order has been placed.

Shopping is thrilling enough without security risks. Our log in is just as simple as it is secure – with Face ID, Touch ID or PIN. We are at your service in our chat in the app.

Try smoooth shopping in the Klarna app, it’s a game changer.

What’s New

Version 20.28.158

All your shopping in one app. We have tweaked some details and made smoooth improvements on already smart features. Turn on automatic updates and you will never miss the latest and smooothest version.

Problems? No problems. Chat with us in the app and we'll help you!

Ratings and Reviews

4.7 out of 5
62.7K Ratings

62.7K Ratings

Boop1225 ,

Not working

I just recently downloaded klarna around the holidays it was great I was able to get all my family gifts and not break the bank I then paid all 5 of my purchased accounts off before the due date... I haven’t made any purchases since I paid them off in the beginning of January I just recently went to make a purchase and I got a message saying I was not approved for the ghost card account to try A different form of payment I check to make sure my card info was correct and i know I have money in my account everything was the same as the last time I made purchases so I tried it again still the same response I then spoke with an agent and they just told me there was nothing they could do about it and that I should just wait a few days remind you I hadn’t made a purchase since the beginning of December but anyways I waited two weeks and tried it again still the same response I was not able to create a ghost card so I spoke to a agent again they told me the same thing which I’m still not understanding that I should wait a couple of days and when I explained to them I had already waited two weeks they still told me to wait I also tried again today and got the same message at this point I’m over this app it was fun while it lasted though 😁

erinb2020 ,

Klarna is wonderful when it works.

First I want to say, an app like this is a life saver for many, but it does have flaws. Some of my experiences including, cancelling my order and Klarna not being able to cancel it from their end for almost 45 days later. No explanation why my ghost card was cancelled and my actual card charged the full amount (thank god I had the full amount in my account otherwise I’d have over-drafted). There is literally no communication between Klarna and wherever you’re buying so don’t expect anyone to know anything. I’m serious! Customer service is given nothing. No explanations, no reasons why, nothing. They have no idea what to do to help you and they’re in the dark about everything. They cannot change anything and the only way to fix an issue is get transferred to an ‘expert’. My expert said they were going to manually fix my issue - it’s been a week now and the issue is still present.

Just know you do take a risk with this. It is a gamble. Maybe everything works or maybe you get charged the full amount with no explanation why in sight. Moral of the story? Have enough money to buy what you want, even if you don’t want to spend that amount upfront.

itsthe2ts ,

So easy to get, but can’t get it!!

Found this app and was so excited to use it! I found a few stores we shop at on here and was excited to start getting some things we needed and be able to pay them off over a short period of time without worrying about a credit check or interest etc. When it came down to funding the ghost card, I first got a error message saying it couldn’t be processed and to either add another card or form of payment. I double checked I entered all of card info correctly and I did! So I tried again and once more!! Then it tells me I’m not approved?!! I don’t get it! So I call Klarna customer service and they tell me they look at past history, bank info and means of paying back the purchase. I’ve never had a Klarna account in my life and I’ve never had a negative bank account. And The purchase I was trying to start out with to try this out was only $53!!! I don’t get it?! The rep on the phone tells me there’s nothing they can do to over ride the decision and I’m just not able to shop with them I guess? Super disappointed. I read some other reviews and agree that you must be pulling other information on people because I have no other things against me to not allow me to find the ghost card to shop! I have way more than the amount in my account to find the ghost card first off and two, I’ve never had an account. I wanted to do a small order to test this out and guess I won’t be using it or recommending it. Super disappointed!!! Not very helpful either!

Developer Response ,

Good morning, we're sorry to hear we failed to meet your expectations. The last thing we want a new customer to feel is unappreciated. While we may never know exactly what happened, there are a few things we recommend checking before attempting again (and we hope you will!). As it pertains to the error message, be sure you aren't using a prepaid/gift card and that the Ghost card you are using has enough to cover the amount of the entire purchase (we recommend adding 10% for shipping and tax). Additionally, make sure you aren't shopping at a non-domestic store and that the store meets our Ethical Guidelines. As a first-time user (or in the case of any shopper), we aren't able to guarantee that the Ghost card option will be available for all purchases, since each purchase attempt is individually assessed by our automated system. Some things to consider are size of purchase, type of product, and payment and purchase history with Klarna. Those details can change with each order, so it’s possible that future orders could be eligible! We hope you haven't lost complete faith in our services and encourage you to stick with it! If you have any additional questions or concerns, please feel free to reach out to us via phone at (844) 455-2762, social media (Facebook, Twitter, or Instagram), or 24-hour live chat. We're here for you 24/7! Here's hoping we see you back out there soon! /Jordan


Klarna Bank AB
130.8 MB

Requires iOS 11.0 or later. Compatible with iPhone, iPad, and iPod touch.


English, Danish, Dutch, Finnish, French, German, Norwegian Bokmål, Swedish

Age Rating


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