Klarna balance
Get cashback in your Klarna balance
Unlock cashback from Klarna purchases and receive lightning-fast refunds.¹
Sign up for free:
Use your Klarna balance on your next purchase
Earn cashback when you shop at participating stores in the Klarna app, which is directly added to your balance. Stack up your earnings and use your Klarna balance towards any future Klarna payment.²
Sign up for free:
How Klarna balance works
Create a Klarna balance account
Open a balance account for free to start earning cashback.
Earn cashback in your balance
Shop the brands you love, earn cashback and use it on your next purchase.
Get faster refunds
Get refunds faster for Klarna purchases, sent directly to your balance.
Earn up to 10% cashback
Earn cashback at hundreds of top stores and brands when you shop in the Klarna app.
Shop with your Klarna balance
Shop hundreds of stores that offer cashback with Klarna.
Shoppers love Klarna
93+ million people love to shop and pay with Klarna anywhere—rated 4+ on Trustpilot.
Exceptional - Use Klarna!
"Klarna has been exceptional in providing customers great options for paying for goods and services. I will choose Klarna over a credit card always! Klarna is a better alternative to credit cards! Kudos Klarna!"
- Jodi L
Klarna has completely revolutionized...
"Klarna has completely revolutionized the way I shop online, making the entire checkout experience smooth, flexible, and stress-free."
- Doneil B
I'm very satisfied using Klarna.
"I'm very satisfied using Klarna, it makes it easy for me to purchase things from my favorite retail places like Macy's or Temu and Shein!"
- Maria M
Make payments on the stuff you want now.
"I appreciate the fact that I can get things now as I continue to make payments. This is extremely helpful when you want to put money down on something without having it stack up to make a full payment."
- Dahu L.
Klarna is always easy to use
"Klarna is always easy to use, quick, you order your items and forget about the payments. They come out automatically and before you know it, it’s paid off!!"
- Denise
Klarna is an awesome app
"Klarna is an awesome app. Very convenient and easy to use. Their payment plans are excellent and help make the purchases you want without the pressure of paying in full or added interest."
- Katy
Customer reviews reflect their personal experience and opinion.
Frequently asked questions
Questions on how to use Klarna balance? Find your answers below. For any further help or trouble-shooting, please contact customer support.
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 with your debit card.
Yes, you can sign up for Klarna balance for free.
You can use your balance to settle any Klarna payments early in the app as long as 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.³
You can earn cashback on your purchases when you shop at participating stores in the Klarna app. Once your cashback is confirmed, it is deposited into 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 your refund 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.
When a payment is made, Klarna automatically updates your available purchase power. Keeping open invoices to a minimum is crucial. When you use Klarna balance, you're paying off your invoices faster, which allows for a quicker adjustment of your purchase power.³
A smarter way to pay
Enjoy cashback on your purchases, fast refunds, and flexible payment options—all in one convenient app.
Sign up for free:
¹ Earn cashback on Klarna App purchases. Klarna balance account required and funds can only be used within Klarna. Cashback issuance depends on store approval and may be affected by cookie settings, combining offers, product exclusions, or other factors beyond our control. Klarna may get a commission. Limitations, terms and conditions apply.
² Terms and Conditions apply to gift certificates/gift cards like Klarna Balance.
³ Purchase power is an estimate of how much you can spend. Subject to approval at the point of purchase and dependent on factors such as purchase history, payment history, and purchase amount.