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Klarna UK - A secure, flexible way to manage your money
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Your hottest membership deal

Get 30% off Klarna Premium or Max for 3 months.

* Offer valid for new Premium and Max users only, expires 30.9.26. T&Cs apply.

Your money treated right

Discover a smarter way to pay, save, and manage your money. Find everything you need in one place with Klarna.

Trusted by millions worldwide

20
years of experience
120m
users worldwide
1.2m+
merchants

Your everyday money app

Tap into flexible payment options, cashback, spending insights, and a card that works everywhere.

Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. Credit subject to status. Klarna Financing has a representative APR of 21.9% (fixed).

Your everyday money app

Tap into flexible payment options, cashback, spending insights, and a card that works everywhere.

Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. Credit subject to status. Klarna Financing has a representative APR of 21.9% (fixed).

Designed around you
Accepted everywhere
Always supported
  • Designed around you
    Choose how you pay. In full, later, or over time. Always with clear terms and helpful reminders.
  • Accepted everywhere
    Pay with Klarna wherever you shop, online and in physical stores.
  • Built to grow
    Turn spending into rewards. Earn cashback on purchases, and watch it all stack up.
  • Clear and simple
    Track expenses, manage your money, and stay on budget in the app.
  • Always supported
    Get instant answers from our 24/7 AI assistant, with real human support when you need it.

Explore our offering

Payments

Pay over time with Klarna's flexible payment options.

Cards

Choose how you pay and take the benefits of Klarna wherever you go.

Memberships

Upgrade to a membership for extra cashback, travel benefits and lifestyle perks.

Klarna balance

Add money in the Klarna app and pay flexibly, everywhere.

Cashback

Earn cashback on everyday purchases.

Shopping

Search to find better prices on your favourite products.
Memberships

Say yes to more

Upgrade to a membership for extra cashback, travel benefits and lifestyle perks.

Pick how you pay

We've got you covered, however you prefer to pay. Look for the pink badge at checkout or online. Tap with Apple Pay or use your Klarna Card anywhere Visa is accepted.

Klarna cards

Shop with built-in security

Your transactions include built-in buyer protection and advanced fraud prevention. So your money and data stay secure with every spend.

Real reviews from real people

4.5 out of 5 star rating on Trustpilot
TrustScore
4.5
|
582,294 reviews
M
Magda Arsenio
"Klarna has made my online shopping experience much easier. Payments are clear, reminders are helpful, and everything feels well organised. I appreciate how simple it is to track purchases and manage instalments. Overall, a reliable service that works exactly as expected."
3 months ago
S
Shashana Thompson
" I've had a genuinely positive experience using Klarna. As someone who occasionally needs help spreading the cost of more expensive purchases, Klarna has been incredibly useful One thing I particularly appreciate is the flexibility of the payment options and how straightforward the app and payment system are to use I would recommend Klarna to anyone looking for a convenient way to spread the cost of purchases, provided they use it responsibly and keep track of their payment dates."
2 months ago
J
James OConnor
"I've had a really smooth experience using Klarna. The whole process is simple and easy to follow, from checkout through to managing payments in the app. Everything is clear, transparent, and there are no hidden surprises Customer support has also been responsive whenever needed Would definitely recommend to anyone looking for a straightforward way to manage purchases."
4 months ago
Y
Yussuf Hussein
"I've been using Klarna for a while now and my experience has been very good. The app is easy to use, payments are clear, and the option to split purchases into smaller instalments really helps with budgeting. I also like the reminders before payments are due, which keeps everything organised. Overall, it's a convenient and reliable service."
4 months ago
M
Mum in Law
"Using Klarna is easy and feels secure and efficient. Sometimes things you need to buy arent in the best financial moment, so being able to simply bump the payment to a better date is perfect! Communication is excellent !"
3 months ago

Customer reviews reflect their personal experience and opinion. Showing our 5-star reviews.

Find better deals, with no extra work

Use your card anywhere Visa is accepted.

Klarna Membership offered for a monthly fee. Cancel any time in the Klarna app. Exclusions, conditions, and limitations apply to membership benefits. Klarna Membership Terms apply.

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.

Klarna Membership offered for a monthly fee. Cancel any time in the Klarna app. Exclusions, conditions, and limitations apply to membership benefits. Klarna Membership Terms apply.

Klarna Cashback Rewards are awarded as points which can be redeemed for a credit to your Klarna balance and other benefits. Other limitations, conditions, and restrictions apply to benefits like Klarna Membership cashback.

Insurance and coverage benefits arranged by Klarna Premium Services Ltd. and provided by XCover, a trading name of Cover Genius Ltd, and subject to the terms, conditions, and exclusions of the policy. See full policy details for coverage information and limitations.

The Cancel For Any Reason service is provided by Klarna and is not insurance. Terms and limits apply.

Membership Plans get monthly deals at selected stores, one discount per store per monthly billing cycle. Use the Klarna App to pay at the store's checkout. Klarna Deals cannot be combined. Discounts can be modified based on availability, retailer participation, or due to technical issues. Discount will not be reflected in any receipt from the partner store, please refer to your Klarna receipt. Klarna may get a commission.

Klarna and Apple Pay is available in-store on iPhone and online or in-apps on iPhone or iPad. Software requirements apply. Loans not offered by Apple.

Service fee or a paid membership required to access Pay Later plans. Representative APR 38.75%. Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. Credit subject to status. Ts&Cs and late fees apply.

Paying over time on Apple Pay: Loans not offered by Apple. Subject to eligibility requirements and approval. Apple provides technical services for Paying Over Time on Apple Pay. Apple is not providing financial services, and all lending and payment services are provided to you by the relevant card issuer and lending provider. Not available in all markets, and may not be available for all types of purchases, such as subscriptions and recurring transactions. Available in-store on iPhone, and online and in-app on iPhone or iPad. Software requirements apply. Additional terms may apply. For more eligibility and feature details, see https://support.apple.com/120477.

To use Apple Pay, you need a supported card from a participating card issuer. To check if your card is compatible with Apple Pay, contact your card issuer.

Apple Pay is not available in all markets. View Apple Pay countries and regions.

Features are subject to change. Some features, applications, and services may not be available in all regions or all languages and may require specific hardware and software. For more information, see Feature Availability.

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