You can use your card internationally anywhere Visa is accepted - online, in-store, and for automatic payments or subscriptions.

You can choose to:

Pay in full

Transactions are withdrawn instantly from your Klarna balance. Pay in full is the default mode for your card.

Pay later

1. Tap Wallet

2. Select Plan a Purchase to apply for a Pay later plan.

3. Specify the amount you wish to spend, the payment option, funding source, and the store. If approved, the card switches to Pay later mode for the next purchase.

4. For in-store use, tap with a digital wallet or insert your physical card. For online purchases, at checkout, enter your Klarna Debit Flex Card details.

Good to know: 

• Approved purchase plans remain active for 24 hours before reverting back to the default Pay in full mode. 

• Active plans are automatically applied to your next purchase.

• If the purchase amount is less than $35, your transaction will be processed as Pay in full.

• If the purchase amount exceeds the amount you set in your plan, if the store name does not match your plan, or if your funding source does not contain sufficient funds, the transaction will be declined

• Any Pay later fees, or interest, are displayed upfront in the app.

• It’s not yet possible to make ATM withdrawals with your Klarna Debit Flex Card.

With a Klarna Debit Flex Card you can also:

• Earn interest

• Earn store cashback

• Make ACH transfers to and from your connected bank account to your Klarna balance. 

• Manage your instant deposits by personalizing your automatic top-ups and control withdrawals and refunds
  

Add your Klarna Debit Flex Card to Apple Wallet or Google Pay

1. Log in to the

   app
   and go to Wallet

2. Select Klarna Debit Flex Card and tap Add to Apple Wallet or Add to Google Pay

3. Fill-in your card details and agree to the

   T&Cs
   on the Apple Wallet intro screen 

4. Tap Done on the confirmation screen

Your physical card (Member or Plus Plans only)

• If you ordered a physical card, either scan the QR code or go to Wallet in the app to activate the card upon receipt. 

•  It should take about five business days for the physical card to arrive. In the meantime, you can use your virtual card. 

• Your virtual card will still available to use after you receive your physical card.