Klarna | Shop now. Pay later‪.‬ 4+

Payments, Shopping & Deals

Klarna Bank AB

    • Free

iPhone Screenshots


When you shop in the Klarna app, you can split the cost of your purchase from any online store into 4 smaller, interest-free payments. And it works just as easily in-store, with Apple Pay. So you can get what you love today and pay later.

Shop and save money with exclusive deals and discounts from all over the world, right in the Klarna app. Find a deal you like, claim it with a simple tap. And check back in tomorrow – we add new shopping offers all the time.

Join Klarna's free rewards club, and get rewarded for all your shopping. Sign up in the Klarna app and unlock a $5 welcome reward after just 1 complete payment.

Save items in Collections and never pay full price again. Each time you save an item, an automatic price drop alert is set. That way, when the price drops you will know. You can also share your Collections with family and friends.

In Klarna’s Inspiration feed, you’ll find carefully curated suggestions for deals, product collections, complete looks, and editorials tailored to your shopping. It doesn’t matter if you love fashion, beauty, tech, or whatever – we’ve got something for you.

The more you shop and pay later in 4 installments with Klarna and pay back on time, the more purchasing power you unlock which allows you to spend more. And, you'll also gain access to even more exclusive deals and offers!

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.

Pay later without surprises. When you shop with Klarna, you get a complete overview of all your purchases and finances. And you can even make early payments or extend your due date.

No one likes to wait. When you buy something through the Klarna app, you'll see your purchase just seconds after you place your order.

Get the help you need by using our chat right in the Klarna app. Anything you need from giving feedback, to compliments, even style tips. We love to talk.

What’s New

Version 23.21.219

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’ll never miss the latest version.

Problems? No problems.
Chat with us directly in the app. We will solve your problems.

Ratings and Reviews

4.7 out of 5
8.6K Ratings

8.6K Ratings

Angie04/ ,

Honest review

Ok so Klarna is a must for me. I’ve seen so many negative comments and I understand why because I had the same issues with the app but Klarna team solved them. Very easy to use and quick respond. I did my 5th purchase through Klarna and no regrets. It took a while for me to review this app because of the negative reviews. Only bothers me that you can’t make an another instalment earlier if you want to pay earlier you have to pay the whole amount but anyway managed to get expensive stuff for my baby true this app. And this worked for me well. Good job Klarna and keep it up.

Developer Response ,

Hi Angie! 👋 Thank you for taking the time to write such a measured and thoughtful review. As with anything technical, things can go wrong from time to time but we're very happy that you are impressed with our customer support who are always there to help. 😇

Regarding your second point about longing for the ability to pay an instalment earlier, there may be some exciting news coming very soon. 🤫 Keep an eye on our social media for further updates. 👀 /Oliver

robinkwok94 ,

Difficult transaction

The klarna used to displayed the purchase power of our account. However it’s been removed unfortunately. On friday last week, i tried to create one time card for $500 purchase. Unfortunately there was unpredictable card fee that incurred after inserting visa card that created around $18. Transaction fee is commonly happened, the worst experience was I needed to cancel the card to create card and recreate one time card that equal or over the order total. However the system refused the attempts even until today, 1 week after that $500 one time card created. I couldn’t add up more money to the card. The customer service also unable to return the purchase power and exactly nothing either klarna and me can do to return the purchase power. It made the transaction process very difficult and longer, any unexpected card fee would give you hustle to fix up the card balance. However, step up by commonwealth bank and afterpay are so much practical than klarna. At the end, the purchase isn’t done and shopping becomes a bad experience. What can be learned is, i need to recalculate any potential card fee above the total transaction by myself and add it up on top the total transaction cost. The system fail to advise and educate the customer about this additional fee would happen during transaction. I spoken to 2 customer services before, it was on monday and today, i am feeling left behind because my account still disabled to create one time card.

Developer Response ,

Hi there, thank you for your feedback. We're saddened to hear this and want to help. Please contact us via chat or by phone at 1-844-552-7621 and we'll be happy to investigate further. Take care.

Xavierxf ,

Worst instalment pay app

I was with CBA and this was recommended by the bank when it was launched initially. Tried, and failed. Created a ghost card only was told after that ghost card can’t be used to pay bill. So okay never mind, new app so it’s understandable. Then after a year I moved to ANZ and this app kept updating, so I thought let me try it again. Tried to create a $700 ghost card, used ANZ card, failed, then tried 28 degrees, it just simply told me I can’t create ghost, choose another payment method. Plenty of credit on my 28 degrees. I ended up paying with my credit card directly. Not want to feel defeated I contacted the customer service through the app. Couldn’t generate a new chat unless I choose a transaction which I obviously haven’t had a transaction. Anyway I luckily didn’t delete the last chat a year ago under the previous ghost card incident. So managed to get to someone, only was told the same prescriptive answer, oh sorry we try to be responsible lender and each transaction is assessed on its own merit those kind of useless bluff. If you has a lending criteria, be transparent to your customer. Putting up a responsible lender face without substantiation only damages your brand.

Developer Response ,

Hi Xavier, we would like to apologise on behalf of Klarna that your experience has been anything less than excellent. It is certainly not the intended experience we would like our customers to have, and we are very sorry we were not able to meet your expectations. Rest assured, if you do try Klarna again in the future, each purchase is assessed on its own merits. If you have any further questions, please do not hesitate to contact us directly at hello@klarna.com.au. /Juliet

App Privacy

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, for example, based on the features you use or your age. Learn More


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