Klarna: Smarter everyday money

Buy now, pay later is the idea most people link with Klarna: Smarter everyday money, the app from Klarna Bank AB (publ), but the listing now spans a card, a balance account, savings, cashback and even a mobile phone plan.

When shopping through the app, buyers can choose to split a purchase into four interest-free payments, pay in full, pay within 30 days or spread the cost over time, with financing arranged through partner lenders as the footnotes explain. The Klarna Card works wherever Visa is accepted, for paying now or later, and the listing says applying does not affect credit. Shopping in the app can earn up to 10% cashback at many stores, which can then be moved into the Klarna balance. A savings account with no monthly fee earns interest, and Klarna Mobile offers unlimited 5G on AT&T's network for $35 a month. A price comparison search, return reporting that pauses payments, and 24/7 chat support round things out.

The ratings are exceptional: 4.8 on average from about 2 million ratings, with 90% five stars and only 2% one star. It has 50,000,000+ installs. The app is free, with no ads and no in-app purchases. It was updated on 2026-09-17, is rated Everyone and requires Android 9 or newer. We list 7 versions, the latest being 26.37.262.

Shoppers who already use Klarna at checkout will find everything in one place. Anyone thinking about spreading payments or using the card should read the financing terms carefully, since several features depend on eligibility and region.