No, there is no annual fee for using Klarna.
Late payments and unpaid debts may however incur fees for our Pay later products and services.
You can find detailed information about fees in our Terms and Conditions.
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Klarna offers flexible payments globally.
Copyright © 2005-2026 Klarna. Klarna Financial Services UK Limited is authorised and regulated by the Financial Conduct Authority (“FCA”) for carrying out regulated consumer credit activities (firm reference number 987889) and the provision of payment services and the issuing of electronic money under the Electronic Money Regulations 2011 (firm reference number 1021834). Klarna Financial Services UK Limited offers both regulated and unregulated products. Klarna’s interest free and pay up to 12 months Financing agreements, Pay in 3 instalments and Pay in 30 days agreements are not regulated by the FCA. Incorporated in England (company number 14290857), with its registered office at 10 York Road, London, SE1 7ND.