# Klarna: Smarter everyday money — Cashback, payments, savings > Flexible payments, shopping rewards, price comparison, and delivery tracking. (iPhone/iPad app by Klarna Bank AB.) - Source: https://appshunter.io/ios/app/klarna-smarter-everyday-money/id1115120118 (this page in markdown: same URL + `.md`) - Developer: [Klarna Bank AB](https://appshunter.io/developer/1075880092) - Category: Finance, Shopping - Price: Free - Rating: 4.90/5 from 2,345,709 App Store ratings · 7,350 written reviews indexed - Age rating: 17+ - Requires: iOS 16.0 · 280 MB - Languages: American English, Bulgarian, Czech, Danish, Dutch, Finnish, French (France), German (Germany), Greek, Hungarian and 9 more - Released: 2016-06-22 - Data updated: 2026-08-27 - Monetization: free with in-app purchases - User reviews in markdown: https://appshunter.io/ios/app/klarna-smarter-everyday-money/id1115120118/reviews.md ## What is Klarna? FLEXIBLE WAYS TO PAY Shop anywhere in the app with flexible payment options. Choose to pay in 4 interest-free payments, pay the full amount, in 30 days or over time.¹ SHOP WITH THE KLARNA CARD² Pay with Klarna anywhere Visa is accepted. Pay now or pay later with the card. No credit impact to apply. Unlock exclusive benefits with a membership. UP TO 10% CASHBACK Shop in the app and earn up to 10% cashback.³ Get cashback at hundreds of stores. UNLOCK YOUR KLARNA BALANCE² Add money in the Klarna app and pay flexibly, anywhere you shop. Get instant refunds, earn cashback at eligible stores, and convert your cashback into money in your balance. SAVE WITH KLARNA⁴ Earn interest with our flexible savings account – free to get started and no monthly fees. KLARNA MOBILE Get reliable coverage on AT&T’s network with unlimited 5G that stays fast⁵ for just $35/month. No hassle, cancel anytime.⁶ FIND THE BEST PRICE, EVERY TIME Search for any product and instantly compare prices across stores. HASSLE-FREE RETURNS Need to send something back? Report a return and we’ll pause your payments. 24/7 CUSTOMER SERVICE Use our chat for 24/7 support. ¹Monthly financing through Klarna issued by WebBank. Other CA resident loans made or arranged pursuant to a California Financing Law license. NMLS #1353190. ²Deposits 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 Card are not insured by the FDIC and are not deposits. Account disclosures: https://cdn.klarna.com/1.0/shared/content/legal/terms/0/en_us/tmp-balance-deposit-account-disclosures Paid membership required for a physical card. A one-time plastic card fee applies. Klarna Membership 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 Terms apply: https://cdn.klarna.com/1.0/shared/content/legal/terms/en-US/tmp-klarna-membership-plan Annual value amount reflects your Membership's total available benefits, such as all waived fees, cashback, and discounts. Actual results will vary based on benefit usage. ³Klarna Cashback Rewards are awarded as points which can be redeemed for a credit to your Klarna balance and other benefits. Earn cashback on Klarna App purchases. Klarna balance account required to receive cashback. Cashback issuance depends on store approval and may be affected by cookie settings, combining offers, product exclusions, or other factors beyond our control. Limitations, terms, and conditions apply: https://cdn.klarna.com/1.0/shared/content/legal/terms/en-US/cashback ⁴Annual Percentage Yield (APY) accurate as of June 1, 2026 and subject to change. Membership required to receive and maintain APY boost. Membership APY Boost only applies to balances up to $50,000. Excess balances earn the base interest rate. Fees may reduce earnings. Deposits in your savings 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 savings account are eligible for pass-through deposit insurance coverage if certain conditions are satisfied. See Account disclosures for current rates: https://cdn.klarna.com/1.0/shared/content/legal/terms/en-US/klarna-savings-account-rates-and-fees ⁵Actual speeds vary by location, network, and device. Subject to Acceptable Use Policy. Unlocked device and no. required. Some numbers not eligible. ⁶Cancel up to 24 hours before renewal in the Klarna app. ## Key features - Flexible payment options - Interest-free installments - Up to 10% cashback - Price comparison across stores - Hassle-free returns - Delivery tracking - Mobile phone service ## Chart rankings - #11 in Top Free · Finance (US App Store) - #144 in Top Free (US App Store) ## What do users think of Klarna? Overall sentiment: negative **Pros** - 💳 Easy payment process - 📦 Wide range of stores - 🕰️ Flexible payment plans - 🔍 Convenient for large purchases **Cons** - 🚫 Inconsistent approval process - ⚠️ Lack of Apple Wallet integration - 🤖 Automated decision-making issues - 🕰️ Slow/delayed refund processing - 🤯 Poor customer service **Commonly reported bugs** - Registration issues - Unreliable one-time card functionality - Incorrect balance updates **Most requested features** - Widget for quick card access - Apple Watch app integration - Improved card organization and search - Transparent purchasing power display ## Recent user reviews (10 of 7,350) All indexed reviews: https://appshunter.io/ios/app/klarna-smarter-everyday-money/id1115120118/reviews.md ### 4/5 — Op *2026-08-23, version 26.34.273* Muy buena la forma de comprar y pagar ### 3/5 — Awkward app *2026-08-23, version 26.34.273* Only use as TNT is saved in here. Often can’t open when needed. ### 1/5 — New layout sucks *2026-08-23, version 26.34.273* Way to go Klarna on screwing up a product. New layout is not intuitive at all!!! ### 1/5 — Needs a lot of work. *2026-08-23, version 26.34.273* App won’t allow me to change my email (which has been compromised by hackers) therefore I don’t feel comfortable linking my bank account. So now I’ve got late payments because I had to get a new debt card (because of HACKERS) and when I try to put my new card number in, it’s not working. Great. I’ve also tried getting refunds before after getting scammed from an Instagram ad for rock lights that go under a truck (that never got shipped) and Klarna wouldn’t allow me to get any money back. They have no customer service whatsoever. No number you can call. It’s a joke. Once I get these last few things paid off I’m going to delete this app for good. ### 1/5 — Latest update removed all cards *2026-08-23, version 26.34.273* Latest update removed all cards. EDIT: re dev response: Contacting support is useless. They haven’t restored anything. The app was good when it was Stocard. I don’t want anything other than simply my damn store cards first thing, front and centre as soon as I open the app. I don’t want to have to log in. I want a reliable, usable offline experience. ### 1/5 — Terrible customer service *2026-08-23, version 26.34.273* Have been using Klarna for years the last few months I have had nothing but terrible customer service have never missed a payment but yet I get denied for even the smallest purchases just as a test ### 5/5 — Lo mejor de lo mejor *2026-08-23, version 26.34.273* Bendiciones y buenas vibras lo mejor de lo mejor ### 5/5 — Easy pay *2026-08-23, version 26.34.273* I love klarna , payments makes my life Easy :) ### 1/5 — Worst experience so far *2026-08-23, version 26.34.273* My wife kept nagging me to download this app and so I spent the better part of my day doing all the credentials and all that jazz only for it to choke up on my purchase! I had a line behind me forming while I’m trying to fiddle with this app and verifications that keep me in a never ending loop! Now I have money in all different cards trying to get this Klarna thing to work! The help tab is just an ai not a human contact at all! Was super excited to try this app out and now I’m only 50$ in the hole now and with the embarrassment of having to decline my order at the store for this slow and unreliable app! I wish I could give it 0 stars but I had to put at least 1 star to leave a review! Don’t download this app! It’s a waste of time! ### 5/5 — Best shopper tool around! *2026-08-23, version 26.34.273* Love spending my money with Klarna, they make buying easy with split pay system, it’s like back in the day when you could put things on lay-a-way, but you get your purchase when the Mail truck/delivery guy comes! ## Frequently asked questions about Klarna ### What does this app do? This application allows users to shop anywhere with flexible payment options, including paying in interest-free installments or within 30 days. It also offers features like earning cashback, comparing prices across different stores, tracking deliveries, and managing returns. ### What are the key features of the app? Key features include flexible payment plans like paying in 4 interest-free installments or in 30 days. Users can also earn up to 10% cashback, compare product prices instantly across various retailers, track all their deliveries in real-time, and report returns to pause payments. ### Is there a cost to use this app? The app itself is free to use. However, there are options for a paid Klarna Membership Plan which offers exclusive benefits like a physical card and waived fees. Some payment plans may be subject to eligibility and approval. ### What are common use cases for this app? Common use cases include spreading the cost of purchases over time without interest, earning rewards on shopping, finding the best deals by comparing prices, and staying updated on delivery statuses. It can also be used to manage returns easily. ### What kind of payment options are available? The app provides several flexible payment options. Users can choose to pay in 4 interest-free installments, pay the full amount within 30 days, or pay over time. It also integrates with Apple Pay for splitting costs and offers a Klarna Card for paying anywhere Visa is accepted. ## Version history (last 5 releases) ### 26.34.273 — 2026-08-21 The Klarna app puts you in control of your payments, making it easy to manage every purchase in one place. Enjoy flexible payment options that let you shop anywhere—even at stores not partnered with Klarna—and pay in a way that fits your budget. Earn up to 10% cashback on your purchases, view upcoming payments, and stay organized with real-time updates. We've also made some minor updates and fixes. ### 26.33.282 — 2026-08-19 The Klarna app puts you in control of your payments, making it easy to manage every purchase in one place. Enjoy flexible payment options that let you shop anywhere—even at stores not partnered with Klarna—and pay in a way that fits your budget. Earn up to 10% cashback on your purchases, view upcoming payments, and stay organized with real-time updates. We've also made some minor updates and fixes. ### 26.33.281 — 2026-08-14 The Klarna app puts you in control of your payments, making it easy to manage every purchase in one place. Enjoy flexible payment options that let you shop anywhere—even at stores not partnered with Klarna—and pay in a way that fits your budget. Earn up to 10% cashback on your purchases, view upcoming payments, and stay organized with real-time updates. We've also made some minor updates and fixes. ### 26.32.243 — 2026-08-07 The Klarna app puts you in control of your payments, making it easy to manage every purchase in one place. Enjoy flexible payment options that let you shop anywhere—even at stores not partnered with Klarna—and pay in a way that fits your budget. Earn up to 10% cashback on your purchases, view upcoming payments, and stay organized with real-time updates. We've also made some minor updates and fixes. ### 26.31.273 — 2026-08-03 The Klarna app puts you in control of your payments, making it easy to manage every purchase in one place. Track your spending, view upcoming payments, and get real-time updates to keep your spending organized. 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User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-27.*