# Ikano Bank — Flexible ways to pay > Manage IKEA credit cards and interest-free loans for flexible IKEA shopping payments. (iPhone/iPad app by Ikano Bank AB (publ).) - Source: https://appshunter.io/ios/app/ikano-bank/id1542576074 (this page in markdown: same URL + `.md`) - Developer: [Ikano Bank AB (publ)](https://appshunter.io/developer/441225658) - Category: Shopping, Finance - Price: Free - Rating: 4.85/5 from 8,388 App Store ratings · 77 written reviews indexed - Age rating: 4+ - Requires: iOS 16.0 · 96 MB - Languages: American English, Swedish - Released: 2021-05-29 - Data updated: 2026-11-07 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/ikano-bank/id1542576074/reviews.md ## What is Ikano Bank? Our IKEA interest-free loan and IKEA Family credit card give you more flexible ways to pay when you shop at IKEA, or anywhere else. Download the Ikano Bank app to check eligibility, fill in a few details to see how much you can borrow, then it's just a few more steps to complete the full application. You’ll get a decision in minutes and can spend straightaway with your virtual card. GETTING STARTED You’ll need: - to be 18 or older - to be a permanent UK resident - a valid photo driving license or passport - a good credit history - an email address - a valid UK mobile number - a personal bank account in your name, requiring a single signatory SIMPLE APPLICATION - See how much you could borrow - Check eligibility without affecting your credit score - Apply and get a decision in minutes - Spend straightaway with your virtual card SIMPLE TO MANAGE - Check your balance and track your spending - View statements - Update your contact details - View your credit agreement and other important documents IMPORTANT INFORMATION The Ikano Bank app is available to UK customers. Services may be affected by phone signal and functionality. Terms and conditions apply. Your IKEA interest-free loan or IKEA Family credit card will be administered by Ikano Bank. Ikano Bank AB (publ) UK branch Registered Office: Waterfront House, Waterfront Plaza, Station Street, Nottingham, NG2 3DQ. Registered in England and Wales No. BR016253 VAT Registration No. 265321711. Ikano Bank AB (publ) is incorporated in Sweden with registered office: Älmhult and head office: Hyllie Boulevard 27, 215 32 Malmö, Sweden. Ikano Bank AB (publ) is a Swedish Public Limited Company (publikt bankaktiebolag) registered with the Swedish Companies Registration Office (bolagsverket) with organisation number: 516406-0922. Ikano Bank AB (publ) is authorised and regulated by the Swedish Financial Supervisory Authority (Finansinspektionen) (Registered No:11153). Authorised by the Prudential Regulation Authority. Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority. Details about the extent of our regulation by the Prudential Regulation Authority, are available from us on request. ## Key features - Check eligibility for credit - Apply for IKEA loans and credit cards - Get instant decisions - Use a virtual card for immediate spending - Track spending and check balance - View statements and credit agreements ## Is Ikano Bank safe? Ikano Bank appears safe based on user ratings. The AppsHunter Safety Score for Ikano Bank is 97 out of 100. This assessment is based on 8,388 user ratings, with an App Store average of 4.8 out of 5. Of 8,334 App Store ratings, 96.4% point to a safe experience, 1.3% suggest some concerns, and 2.2% point to a risky experience. ## Is Ikano Bank legit? Ikano Bank appears to be a legitimate app. The AppsHunter Legitimacy Score for Ikano Bank is 100 out of 100 points across 7 verification signals from App Store and developer data. ## Recent user reviews (10 of 77) All indexed reviews: https://appshunter.io/ios/app/ikano-bank/id1542576074/reviews.md ### 2/5 — Poor *2026-10-01, version 1.31.6* Really basic app that’s rather poor ### 1/5 — Can not log in *2026-09-30, version 1.31.6* I can’t see into my app as the text message verification text message does not get through. I have tried a lot of things including contacting Ikano bank and they cannot solve the problem. They have now closed my ticket. Not happy at all! ### 5/5 — IKEA service *2026-09-27, version 1.31.5* Easy to apply, very good service. ### 5/5 — Loan application *2026-08-26, version 1.31.5* Very easy process, thanks very much ### 1/5 — Doesn’t work *2026-08-12, version 1.31.4* App gets to enter phone number - type phone number, click enter and nothing happens. Have tried different numbers, waiting for loading, nothing happens! Can see others have had the same issue! Very frustrating and a waste of time! ### 1/5 — Error with app *2026-08-12, version 1.31.4* Won’t allow me to click next after inputting my number. Have given up ### 1/5 — Unable to add number *2026-08-12, version 1.31.4* I put in my number correctly and in the correct format but seems to get stuck and won’t proceed. Seems like the app needs an update to fix this bug ### 5/5 — Easy *2026-08-07, version 1.31.4* It’s so easy and quick. I was really impressed ### 1/5 — Unable to add number *2026-08-06, version 1.31.4* Shocking tried to add mobile number and page just got stuck or stated to add valid +44 number it doesn’t work!!!!! No other way to apply ### 1/5 — Thieves! *2026-07-20, version 1.31.3* I had always 50p or whatever left to pay and since I didn’t borrow any money I never noticed. These thieves have crazy high % and charged ma £24. Crazy!!!!! ## Frequently asked questions about Ikano Bank ### What is IKEA Financial Services? IKEA Financial Services provides flexible payment options for IKEA purchases through interest-free loans and the IKEA Family credit card. The app allows you to manage these accounts, check eligibility, and apply for credit. ### How do I apply for credit with IKEA Financial Services? To apply, you need to be 18 or older, a UK resident with a good credit history, and have a valid UK mobile number and bank account. The app guides you through a simple application process with decisions often made in minutes. ### Can I use IKEA Financial Services outside the UK? No, the IKEA Financial Services app is exclusively available to UK customers. Services may also be affected by phone signal and functionality. ### Does IKEA Financial Services affect my credit score? You can check your eligibility for borrowing without affecting your credit score. The full application process may involve a credit check. ### How can I manage my IKEA credit account? The app allows you to easily check your balance, track your spending, view statements, and update your contact details. You can also access your credit agreement and other important documents. ### When was IKEA Financial Services last updated? The app was last updated on June 17, 2026, with version 1.31.2. This indicates regular updates to ensure functionality and security. ### What is the age rating for IKEA Financial Services? The app has an age rating of 4+, making it suitable for a wide range of users. However, eligibility for credit requires users to be 18 or older. ### Is IKEA Financial Services available on Android? Based on the provided data, the app is currently only supported on iPhone. Users with Android devices would need to look for alternative financial service apps. ## Version history (last 5 releases) ### 1.31.6 — 2026-09-30 Updated app name and icon - it’s still the same app, with the same features and security you’re used to. We’ve also made some bug fixes and performance improvements. ### 1.31.5 — 2026-08-19 Bug fixes and performance improvements ### 1.31.4 — 2026-07-27 Bug fixes and performance improvements ### 1.31.3 — 2026-07-13 Bug fixes and performance improvements ### 1.31.2 — 2026-06-17 Bug fixes and performance improvements ## More apps by Ikano Bank AB (publ) - [Ikano Bank Partner App](https://appshunter.io/ios/app/ikano-bank-partner-app/id1440255378) - [Ikano Bank Secure App](https://appshunter.io/ios/app/ikano-bank-secure-app/id1536096202) - [IKEA Family Kreditkarte Secure](https://appshunter.io/ios/app/ikea-family-kreditkarte-secure/id6749444948) All apps by Ikano Bank AB (publ): https://appshunter.io/developer/441225658 --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-11-07.*