Klarna: Smarter everyday money

FLEXIBLE WAYS TO PAY Shop anywhere in the app with flexible payment options. Choose to pay in 4 interest-free payments, pay the full amount, in 30 days or over time.¹ SHOP WITH THE KLARNA CARD² Pay with Klarna anywhere Visa is accepted. Pay now or pay later with the card. No credit impact to apply. Unlock exclusive benefits with a membership. UP TO 10% CASHBACK Shop in the app and earn up to 10% cashback.³ Get cashback at hundreds of stores. UNLOCK YOUR KLARNA BALANCE² Add money in the Klarna app and pay flexibly, anywhere you shop. Get instant refunds, earn cashback at eligible stores, and convert your cashback into money in your balance. SAVE WITH KLARNA⁴ Earn interest with our flexible savings account – free to get started and no monthly fees. KLARNA MOBILE Get reliable coverage on AT&T’s network with unlimited 5G that stays fast⁵ for just $35/month. No hassle, cancel anytime.⁶ FIND THE BEST PRICE, EVERY TIME Search for any product and instantly compare prices across stores. HASSLE-FREE RETURNS Need to send something back? Report a return and we’ll pause your payments. 24/7 CUSTOMER SERVICE Use our chat for 24/7 support. ¹Monthly financing through Klarna issued by WebBank. Other CA resident loans made or arranged pursuant to a California Financing Law license. NMLS #1353190. ²Deposits in your balance account are held at WebBank, Member FDIC. Klarna is not an FDIC-insured bank and deposit insurance only covers the failure of WebBank. Your deposits in the balance account are eligible for pass-through deposit insurance coverage if certain conditions are satisfied. Funds may be made available to you before WebBank receives them (“early availability funds”); such early availability funds may not be FDIC insured until received by WebBank. Loans that you obtain using the Klarna Card are not insured by the FDIC and are not deposits. Account disclosures: https://cdn.klarna.com/1.0/shared/content/legal/terms/0/en_us/tmp-balance-deposit-account-disclosures Paid membership required for a physical card. A one-time plastic card fee applies. Klarna Membership offered in partnership with WebBank for a monthly fee. Cancel any time in the App. Exclusions, conditions, and limitations apply to membership benefits. Klarna Membership Terms apply: https://cdn.klarna.com/1.0/shared/content/legal/terms/en-US/tmp-klarna-membership-plan Annual value amount reflects your Membership's total available benefits, such as all waived fees, cashback, and discounts. Actual results will vary based on benefit usage. ³Klarna 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: https://cdn.klarna.com/1.0/shared/content/legal/terms/en-US/cashback ⁴Annual Percentage Yield (APY) accurate as of June 1, 2026 and subject to change. Membership required to receive and maintain APY boost. Membership APY Boost only applies to balances up to $50,000. Excess balances earn the base interest rate. Fees may reduce earnings. Deposits in your savings account are held at WebBank, Member FDIC. Klarna is not an FDIC-insured bank and deposit insurance only covers the failure of WebBank. Your deposits in the savings account are eligible for pass-through deposit insurance coverage if certain conditions are satisfied. See Account disclosures for current rates: https://cdn.klarna.com/1.0/shared/content/legal/terms/en-US/klarna-savings-account-rates-and-fees ⁵Actual speeds vary by location, network, and device. Subject to Acceptable Use Policy. Unlocked device and no. required. Some numbers not eligible. ⁶Cancel up to 24 hours before renewal in the Klarna app.