Earn up to 15% cashback
Earn cashback at your favourite stores in the Klarna app. Redeem it to your Klarna balance, or convert it to airline and hotel points with a membership.
Shopping just got smarter
Earn cashback however you payin 3, up to 30 days, over time or in full. Your cashback adds up every time you shop in the Klarna app.
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.
How to earn cashback with Klarna
Shop in the app to earn cashback
Sign up for a Klarna balance to redeem
Use it toward your next purchase
Boosted cashback with a membership
Sign up for a membership in the app and earn more cashback on top of everyday offers at select stores.
Frequently asked questions
Questions on how to use cashback? Find your answers below. For any further help or troubleshooting, please contact customer service.
What is cashback?
Cashback is earned as points when you shop with Klarna. You can earn cashback on eligible purchases made in the Klarna app, and with a membership, you can also earn cashback on all debit purchases with the Klarna Card or when you pay in full with your Klarna balance.
All your cashback adds up in one place. You can convert it to money in your Klarna balance, or choose to redeem it for airline and hotel points with a membership.
Who can earn cashback?
Everyone eligible for the Klarna balance can receive cashback from participating shops. Please note that whilst you can start earning cashback before activating your Klarna balance, your Klarna balance needs to be active to receive your earned cashback.
How does cashback work?
When you shop at participating stores in the Klarna app, you earn a percentage of your purchase back as cashback. Your cashback collects automatically and you decide when to redeem it.
Can I earn cashback if I do not pay with Klarna?
Yes. You can earn cashback on eligible purchases made through the Klarna app, no matter how you choose to pay. If you have a Klarna membership, you can also earn cashback when using your Klarna Cardwhen you pay in full with your Klarna balance.
Is cashback related to instalment payments?
No. You can earn cashback whether you pay in full, in 3, up to 30 days, or with financing.
How long does it take for cashback to be paid?
It depends on the store. For most, it takes between 35 to 95 days for your purchase to be confirmed and cashback to become available to redeem.
Is there a limit on how much cashback I can earn?
Theres no earning limit to how much cashback you can earn.
Does my cashback have an expiration date?
Cashback never expires with a membership.
Without a membership, cashback remains active as long as you earn or redeem at least once every 90 days. If your account is inactive for 90 days, your cashback may expire. If you already have a Klarna balance, we'll automatically move your cashback there before it expires.
How can I redeem cashback?
You can redeem cashback as a credit to your Klarna balance. Klarna members also have the option to redeem cashback as airline points or gift cards.
Can I shop Klarna deals and earn cashback?
Yes, you can shop Klarna deals when paying with Klarna and earn cashback at the same time, enjoying both savings and cashback benefits.
Can I still earn cashback and points with my usual loyalty cards?
Yes, you can earn cashback and points with your loyalty cards. Cashback operates independently from existing loyalty programmes. Adding your regular loyalty card at checkout lets you earn both regular loyalty points and Klarna cashback.
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.