SHOP NOW. PAY LATER.
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.
NEW DEALS EVERY DAY.
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.
UNLOCK A $5 WELCOME REWARD.
Join Klarna's free rewards club, Vibe, and get rewarded for all your shopping. Sign up in the Klarna app and unlock a $5 welcome reward after just 1 complete payment.
TRACK ALL YOUR DELIVERIES.
Get live updates with delivery times, pickup codes, and even photos of a pickup point to help guide the way. So go ahead and follow that truck, from purchase to pick up in the Klarna app.
GET PRICE DROP ALERTS.
Save items in Wish lists 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 Wish lists 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.
INCREASE YOUR SPENDING LIMIT.
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.
MANAGE YOUR PAYMENTS.
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.
INSTANT SHOPPING CONFIRMATION.
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.
24/7 CUSTOMER SERVICE.
Get round-the-clock service whenever you need it using our chat right in the Klarna app.
Try smoooth shopping in the Klarna app. It’s shopping like a VIP. Without an annual fee.
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
It WAS a great app NOW not so much!
I have been purchasing from Klarna since July. I have purchased well over $1k worth of items. Perfect payment history never been late. Now here in the past week or so I can never get approved for a ghost card. It tells me to pay off other items. So I did that and still to not avail it’s kept declining me for a ghost card. I’ve changed cards and purchase amounts and still I cannot get approved for a ghost card. RIDICULOUS!! Is this how you treat loyal and good paying customers!? I’m not even going to bother with customer service because I don’t want to get the run around. Klarna you guys have to do better than just saying to people “keep trying” that’s terrible customer service. If a customer has established a good payment history with you guys-WHICH I HAVE. Then approving me for a ghost card should be no problem at all. Now I understand having tighter restrictions on newer customer but majority of these complaints on here come from well established customers that have paid you guys ALOT of money. I used to rave about Klarna but sadly that now is going to have to change. When Klarna works it’s great but when it doesn’t it’s terrible. I guess I’ll just have to stick to Afterpay.
Developer Response ,
Hello, we appreciate you taking the time to leave us a review and apologize for any inconvenience. I understand that this can be frustrating! Our Ghost card feature takes a variety of factors into account when determining eligibility for our service, and each attempt is assessed independently against these factors. Previous approval does not guarantee that you will be approved in the future. We are constantly working to improve the availability of our service while also ensuring our customers are kept safe. We invite you to try using Klarna again with future purchases as the outcome may change. We hope you have a great day! /Chelsea
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.
Honestly I’m very disappointed in this app. My cousin was the one that told me about and I was really excited about it. I finally get paid from work and I want to buy some things for myself. When I start wanting to make a ghost card, it says “I’m not approved. (Whatever that means).” My cousin and my sister had no problem making purchases but for some reason I went through so much trouble just trying to make my first purchase. I contacted someone through Facebook messenger and they told me that I had to have a debit/credit card, a real bank, and it couldn’t expire in like a couple days. I had a debit card from Santander and it expired in 2020, so this didn’t correspond. So the guy told me wait a couple days because the app can be iffy. So I waited four days. Then I contact customer service again, and a woman named Jessica answers, asks me what bank I use, I tell her Santander and then she completely leaves me on read and leaves the conversation. Then a man named Kristofer answer and he tells me the same exact thing the guy in Facebook tells me and I tell him that everything is good and the only answer I got was that they didn’t know why it wasn’t working and that I need to make smaller purchases. When my cousin and sister made the exact same purchase with no problem but for some reason I can’t do it. It’s like the choose who they give it to and who they don’t.. this is the worst app I’ve ever downloaded..so disappointed.
Developer Response ,
Hi Destiny. I understand how frustrating this must be for you and apologize for any inconvenience. It looks like Santander may be an online banking institute. At this time, Klarna cannot be used with online banking institutions due to the increased risk of fraudulent or illegal activity. Additionally, while we do not run a hard credit check, our Ghost card system checks a variety of factors to determine eligibility for our service. Restrictions are tighter for ‘new’ shoppers until we get to know you, so we typically recommend you try lowering the total amount you are spending (but not lower than $35). We also recommend clearing your browser history and attempting the purchase again with another US-based retailer. If you would like additional assistance, please contact us via phone at (844) 455-2762 M-F 8a-6p, via chat in the app 24/7, or via private message over social media. We are constantly improving our app, so we encourage you to come back and try us again in the future. Have a wonderful week! /Chelsea
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The following data may be used to track you across apps and websites owned by other companies:
- Usage Data
Data Linked to You
The following data may be collected and linked to your identity:
- Financial Info
- Contact Info
- User Content
- Search History
- Browsing History
- Usage Data
- Other Data
Privacy practices may vary, for example, based on the features you use or your age. Learn More
- Klarna Bank AB
- 165.6 MB
- Requires iOS 12.1 or later.
- iPod touch
- Requires iOS 12.1 or later.
- Requires macOS 11.0 or later and a Mac with Apple M1 chip.
English, Danish, Dutch, Finnish, French, German, Norwegian Bokmål, Swedish
- Age Rating
- Copyright © 2005-2021 Klarna Bank AB (publ)
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