Suits UK shoppers who want cashback and order tracking in one app; the AI is mostly customer support, and Pay in 3 carries late-payment risk.
Kenning's take
What it does
Klarna is a shopping and payments app that lets people pay in full, later or in instalments at many shops. The app also tracks orders and deliveries, compares prices across stores, holds loyalty cards and pays cashback on some purchases. Its AI assistant is used for round-the-clock customer support.
- pay in full, later or over time
- price comparison across stores
- delivery and returns tracking
- cashback at hundreds of stores
- budgets, reminders and spending overview
- 24/7 AI assistant support
Who it suits. UK shoppers who want flexible payment options, cashback and order tracking in one app, and who can manage repayments.
Key facts
- Category
- Money, bills & shopping
- Made by
- Klarna Bank AB (publ)
- Based in
- Sweden
- Works on
- iPhone, Android
- In the UK
- Yes
- Free plan
- the app is free; paid memberships add cashback and perks
Pricing
| Plan | Price | Billed |
|---|---|---|
| Everywhere | £4.99 | month |
| Plus | £9.99 | month |
| Premium | £19.99 | month |
| Max | £44.99 | month |
Ratings
FAQ
Is Klarna free?
Yes, there is a free option (the app is free; paid memberships add cashback and perks). Pricing: App free; Pay in 3 and other credit products carry late-payment risk (checked 2026-10-10).
What devices does Klarna work on?
Klarna is available on: iPhone and iPad, Android.
Who makes Klarna?
Klarna is made by Klarna Bank AB (publ), based in Sweden.
Facts from the maker's own pages and the sources listed. Checked 2026-10-11.
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