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Klarna memberships

Earn cashback, skip service fees, and get exclusive perks with membership plans. Try 1 month free—cancel anytime.¹

Get started

Pick a plan, unlock perks

Enjoy up to 1% cashback, use Pay in 4 without service fees, get a physical Klarna Debit Flex Card and much more. And the best part? Your first month is totally free.

Klarna Card Member

First month free, then $3.49/month

Member

• Physical and virtual Klarna Card²
• 0.5% cashback when you pay in full with Klarna balance (up to $5,000 spend/month)³
• Skip the service fee on 2 purchases every month⁴
• Earn an exclusive 2.82% APY on your Klarna balance⁵

Klarna Card Plus

First month free, then $7.99/month

Plus

• Physical and virtual Klarna Card²
• 1% cashback when you pay in full with Klarna balance (up to $5,000 spend/month)³
• Skip the service fee on all purchases every month⁴
• Earn an exclusive 3.22% APY on your Klarna balance⁵
• One $8 discount every 3 months at any partner store⁶
• Up to $80 in monthly savings at brands like Nike and Sephora⁷

Shop, save and earn on your terms

From cashback to high-yield interest and a card that works everywhere—it’s all yours.

Klarna balance

Get up to 1% cashback

Get rewarded when you pay in full using your Klarna balance online, or in-store with your Klarna Card. Earn up to 1% cashback with a Plus plan.

Account overview

Earn up to 3.22% exclusive interest

Klarna balance is your all-in-one money account. Activate it in the app to add funds, and earn up to 3.22% APY (Annual Percentage Yield) with a Plus plan.

Pay in 4

No service fees

Skip the service fee on Pay in 4⁴ purchases every month—up to 2 with Member, or on all purchases with Plus—when you use the Klarna Card, one-time card, or gift cards.

Debit Flex Card

Get Klarna’s flexibility on a Visa card

Once you start a membership plan, sign up for the card in the app, and use your benefits anywhere Visa is accepted.

Unlock monthly deals

Get up to $80 off at brands like Nike and Sephora every month, exclusively for Plus members.

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Web_Body_MerchantLogo_Sephora_3x2_Global_001
Web_Body_MerchantLogo_SSENSE_3x2_Global_001
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Get started

Go to the Klarna app

In the app, go to your profile to explore membership plans.

Pick a plan

Start with the Member plan for lighter fees, or the Plus plan for more rewards and higher savings. You can switch anytime.

Enjoy your benefits

Get rewarded either way—cashback when you spend, interest when you save.

Membership plans at a glance

 

Standard

Member
Up to $55/month benefit value

Plus
Up to $207/month benefit value

Monthly fee

Free

$3.49
First month free

$7.99

First month free

Klarna Card

Virtual

Virtual

Physical

Virtual
Physical

Interest on your Klarna balance

0.01%

2.82%

3.22%

Cashback when you pay in full with Klarna balance (up to $5,000 spend/month)

x

0.5%

1%

Skip the service fee on Pay in 4 purchases

x

2 purchases/month

All purchases

One $8 discount every 3 months at any partner store

x

x

Up to $80 in exclusive monthly savings at brands like Nike and Sephora

x

x

Frequently asked questions

Questions on Klarna membership plans? Find your answers below. For any further help or trouble-shooting, please contact customer support.

1. What are Klarna membership plans?

Klarna membership plans are paid monthly subscriptions that give users access to additional features and financial benefits beyond what is offered in the free Klarna experience. There are two plans:

  • Klarna Member: $3.49/month

  • Klarna Plus: $7.99/month

2. What benefits are included in the Klarna Member plan ($3.49/month)?

  • Waive any Klarna service fees 2x a month (see more on service fees below)

  • Earn 0.5% cashback on eligible debit card purchases (up to $5,000 spend per month)

  • Earn higher Annual Percentage Yield (APY)⁵ on Klarna balance (currently 2.82%)

  • Access to request a free physical Klarna Card

  • Full access to the loyalty card widget feature in the Klarna app (iOS only)

3. What benefits are included in the Klarna Plus plan ($7.99/month)?

  • Waive any Klarna service fees all purchases every month (see more on service fees below)

  • Earn 1% cashback on eligible debit card purchases (up to $5,000 spend per month)

  • Earn higher Annual Percentage Yield (APY)⁵ on Klarna balance (currently 3.22%)

  • Access to request a free physical Klarna Card

  • Up to $80/month in exclusive deals with select merchants

  • Get $8 off at any of our partner stores every third month

  • Full access to the loyalty card widget feature in the Klarna app (iOS only)

1. When will I be charged?

You will be charged on the same day each month, starting from your signup date. For example, if you subscribe on April 10, your next payment will be on May 10. The charge may take 1–3 business days to appear on your bank statement.

2. Is there a free trial?

Yes, first-time subscribers get a 30-day free trial. You won't be charged if you cancel before the trial period ends. Please note that the trial is only available once per customer.

3. Can I cancel anytime?

Yes. You can cancel anytime through the Klarna app or by contacting Customer Service. You'll still get the plan's benefits until the end of your current billing cycle.

4. Can I switch between plans?

Yes.

  • Upgrading: The new benefits are applied immediately, and your billing cycle restarts from the upgrade date.

  • Downgrading: Your current plan remains active until the end of the billing cycle. Then you move to the selected lower plan or the free plan.

5. Can I pause my membership?

No. You cannot pause a Klarna membership plan. To stop paying, you must cancel the subscription. You can resubscribe anytime.

6. What happens if Klarna can’t process my payment?

If your primary payment method fails, Klarna will try a backup method (if one is available). If all attempts fail, your membership benefits will stop at the end of your billing cycle. You’ll receive notifications to update your payment details.

1. When do service fees apply?

Klarna charges a service fee for these transactions:

  • Pay in 4 purchases on a one-time card (used when Klarna is not available at checkout)

  • Pay in 4 purchases with the Klarna Card

  • Klarna Gift Card purchases

Klarna membership plans remove or reduce these fees:

  • Member: 2 purchases per month with no service fee

  • Plus: Unlimited purchases per month with no service fee

2. How does cashback work?

Cashback is earned on purchases made using Klarna balance (i.e., your linked debit account), only when the full amount is paid upfront (not using pay later plans):

  • Member plan: 0.5% cashback (up to $5,000 spend a month)

  • Plus plan: 1% cashback (up to $5,000 spend a month)

Cashback is credited to your Klarna balance and can be used for future purchases.

3. What are Klarna deals and how do they work?

Klarna deals are discounts you get when you checkout with Klarna. The following are exclusive to Klarna Plus members:

  • Up to $80/month off at specific brands

  • $8 off every third month at any store where Klarna is available at checkout

Klarna deals must be activated manually in the Klarna app and expire after 30 days after activation.

4. Can I get a physical Klarna Card?

With a Member or Plus plan, you can request a free physical card via the Klarna app. The card remains active even if you cancel your membership.

5. What is the loyalty card feature in the Klarna app?

The loyalty card feature in the Klarna app (available for iOS users) lets you store and access all your loyalty cards in one place. With a Member or Plus plan, you get the full experience — including the ability to scan barcodes to instantly check for discounts, search for available coupons, and quickly display your loyalty cards with a simple tap, all without leaving your phone screen.

1. Are Klarna memberships available outside the U.S.?


Klarna membership plans are currently only available in the U.S. They may become available in other countries in the future, depending on local regulations and Klarna’s expansion plans.

Ready to shop smarter? Start your membership today.

Unlock exclusive benefits, skip service fees, and get more from every purchase with Member and Plus plans.

Scan the QR code and start your membership today:

¹ Klarna Membership Plans 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 Plan Terms apply. Monthly value amount reflects your Plan's total available benefits, such as all waived fees, cashback, and discounts. Actual results will vary based on benefit usage.

² Deposits 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 Debit Flex Card are not insured by the FDIC and are not deposits.

³ Limitations, conditions, and restrictions apply to benefits like Klarna Membership Plan cashback.

⁴ Apply in advance for Pay in 4, issued by WebBank, with a service fee between $1–$3. For example: a $160 purchase with a $40 down payment and $2 service fee results in a 21.05% APR, followed by three more biweekly payments of $40 (total repayment: $162). Subject to credit approval; minimum 25% down payment required.

5 Annual Percentage Yield (APY) accurate as of June 9, 2025 and subject to change at any time. Fees may reduce APY earnings. Klarna balance account and Debit Flex Card activation required to be eligible for APY earnings.

⁶ Save $8 on your first purchase available for Plus or higher Membership Plans for orders above $8, using the Klarna app and paying with Klarna at a partner stores’ checkout valid for 30 days from the moment you sign up for Klarna Plus membership. You will also get an $8 discount every third month during your eligible active Membership Plan on any purchase for orders above $8, using the Klarna app and paying with Klarna at a partner stores’ checkout. Valid for the relevant billing cycle of your Membership Plan.  Excludes purchases made with a One-time card and the Klarna Credit Card. If you return all or part of your order and the final amount is below $8, the discount will no longer apply. Klarna Deals cannot be combined and can only be used once. Klarna reserves the right to modify discounts offered based on availability, retailer participation, or due to technical issues. Discount will not be reflected in any receipt from the partner store, please refer to your Klarna receipt. Klarna may get a commission.

⁷ Plus and higher Membership Plans get twelve monthly deals at twelve selected stores (up to a max $80/month) one discount per store per monthly billing cycle. Use the Klarna App to pay with Klarna at the store's checkout. Klarna Deals cannot be combined and can only be used once. Discounts can be modified based on availability, retailer participation, or due to technical issues. Discount will not be reflected in any receipt from the partner store, please refer to your Klarna receipt. Klarna may get a commission.