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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 20.47.220

Fixed some minor issues and improved the experience.

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

Ratings and Reviews

4.8 out of 5
148.8K Ratings

148.8K Ratings

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.

Temptation_bri ,

Don’t bother wasting your time!

Was excited to use this app, but was very disappointed after downloading & using it. There are only a handful of stores that you can shop at, Everytime I saved anything to my wishlist or added it to my cart, it would disappear after closing the app then reopening. Once I finally added an item back to my cart and went to check out, I added my card information, then was told I was not eligible but wasn’t given a reason why. I chatted with an online agent & was told I would be denied for a handful of reasons (no prepaid cards allowed, card must not expire within the next 8 weeks, & billing address must match my bank account & what I entered into the app), none of which applied to me. My card is not prepaid, I have enough money in my account, billing address matches & my card doesn’t expire until 2023. I chatted with another agent saying I do not have enough payment history with Klarna to be given the option to use the app, which is crap because how am I supposed to BUILD payment history within the app, if I’m not allowed to purchase anything?!?! Neither of the “ agents”were helpful and just kept sending automated responses. I downloaded a different app that offers the same services, called AfterPay. Hundreds of stores to choose from to shop with & within 5 minutes of downloading the app, I was able to make the purchase of what I was trying to buy from Klarna.

Would NOT recommend this terrible app!!!!!

Developer Response ,

Good Evening, we are sorry to hear that your most recent experience with the Klarna ghost card was not the best. We take very seriously our customers discomfort. Thank you for leaving your honest feedback!

There are some basic things to check! Your personal card must be a debit card associated with your bank account or a credit card, it cannot be a prepaid card. It must also have enough available to cover the first fourth of the requested amount as there is an authorization created when you request the card. The personal card also cannot expire in the next 8 weeks so that it is valid for the life of the purchase. The billing address on the order and your address on the Klarna app have to be matching as well.

If you have any further issues or questions please do not hesitate to contact us! Our phone lines are open 8-6pm ET. We look forward to hearing from you and resolving this as soon as possible.


J.Alv11 ,

No longer working!

I was in love with this app before holiday season hit and was able to stock up on some presents before December! However, when I tried to buy some more gifts around holiday season I was no longer approved for ghost cards. I thought it was perhaps due to the amount of people also trying to order around holiday season so I waited and even now I am no longer approved for ghost cards and I’m so disappointed because I loved this app. I understand it’s all an automated system that either approves you or doesn’t I just don’t know what I did wrong because my card will have more than enough money, I have tried different amounts of money for ghost card approval, and have paid all of my pervious purchases off which is hundreds of dollars by the way. Now I’m back to using Afterpay which I highly recommend to anyone looking for a similar app. Only downfall is it doesn’t have as many options as Klarna does. If this app ever does change its ghost card approval processing I’d be more than happy to come back and spend my money with this app but for now this system isn’t working for me and many other and for that reason I will no longer be using it.

Developer Response ,

Good afternoon, we are saddened to see that you were not approved for a purchase by our automated at the time of request. This is a determination that may change in the future, and may not be a fixed one. Please reattempt a purchase with our services at a later date.


Klarna Bank AB
155.4 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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    With Family Sharing set up, up to six family members can use this app.

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