Earn money when you shop

Access your Klarna balance right in the app. To sign up, we'll ask you to fill in some information to verify your identity. It only takes a few minutes, and you can add money and start using your balance shortly after.

Yes, you can sign up for Klarna balance for free.

You can use your balance to settle your "Pay in 4" payments early in the Klarna app. For this, make sure you have enough money in your balance. You can add money with your debit card if you have Purchase Power with Klarna and are eligible to spend with us.

You can earn cashback on your purchases when you shop in the Klarna app. Once your cashback is confirmed, it goes right to your Klarna balance. Make sure to activate your balance, so that any accumulated cashback can be redeemed.

The quickest way to get your money back is to have refunds sent directly to your Klarna balance. Simply go to your settings and activate the option to receive refunds in your balance. You can change your refund preferences at any time in the app.

Purchase power is an estimate of your available spending amount with Klarna. However, it's not a guaranteed amount, but a useful guide to manage your spending.

By using Klarna balance, you're not just paying off what you owe in the quickest way possible—you're also boosting your purchase power, ensuring your ability to shop remains flexible and responsive to your needs.

When a payment is made from your balance, Klarna automatically recalculates and adjusts your available purchase power. Keeping open invoices minimal is also crucial. Klarna balance helps you clear them, which maintains or improves your purchase power.