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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.

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