Facebook_pixel
Klarna | Smoooth shopping

Klarna | Smoooth shopping

Klarna Bank AB (publ)

Shop at any online store and Pay later in our shopping app.

4.5 Ratings 323K+ Reviews 10M+ Downloads

About Klarna | Smoooth shopping

Shop at any online store and Pay later in our shopping app.
see more about Klarna | Smoooth shopping

Ratings & Reviews

4.5
322.7K+ Ratings
  1. 5
    81%
  2. 4
    7%
  3. 3
    3%
  4. 2
    2%
  5. 1
    7%
  • Oct 21, 2020

    By Cl Miller
    This is a great app for a great Service. Please understand that all purchases are based on a computer program and not just your records with Klara. If your credit life is crumbling then you may get a lower limit than you have in the past. What fees are people talking about? I pay no fees to use Klarna so no comments on that. As for the down payment or payment up front, everything I have read says that your first payment is due when the order ships. We are using Klarna for a reason people!!
    more
  • Klarna is wonderful when it works. Jun 12, 2020

    By erinb2020
    First I want to say, an app like this is a life saver for many, but it does have flaws. Some of my experiences including, cancelling my order and Klarna not being able to cancel it from their end for almost 45 days later. No explanation why my ghost card was cancelled and my actual card charged the full amount (thank god I had the full amount in my account otherwise I’d have over-drafted). There is literally no communication between Klarna and wherever you’re buying so don’t expect anyone to know anything. I’m serious! Customer service is given nothing. No explanations, no reasons why, nothing. They have no idea what to do to help you and they’re in the dark about everything. They cannot change anything and the only way to fix an issue is get transferred to an ‘expert’. My expert said they were going to manually fix my issue - it’s been a week now and the issue is still present. Just know you do take a risk with this. It is a gamble. Maybe everything works or maybe you get charged the full amount with no explanation why in sight. Moral of the story? Have enough money to buy what you want, even if you don’t want to spend that amount upfront.
    more
  • No longer working! Feb 26, 2020

    By J.Alv11
    I was in love with this app before holiday season hit and was able to stock up on some presents before December! However, when I tried to buy some more gifts around holiday season I was no longer approved for ghost cards. I thought it was perhaps due to the amount of people also trying to order around holiday season so I waited and even now I am no longer approved for ghost cards and I’m so disappointed because I loved this app. I understand it’s all an automated system that either approves you or doesn’t I just don’t know what I did wrong because my card will have more than enough money, I have tried different amounts of money for ghost card approval, and have paid all of my pervious purchases off which is hundreds of dollars by the way. Now I’m back to using Afterpay which I highly recommend to anyone looking for a similar app. Only downfall is it doesn’t have as many options as Klarna does. If this app ever does change its ghost card approval processing I’d be more than happy to come back and spend my money with this app but for now this system isn’t working for me and many other and for that reason I will no longer be using it.
    more
  • AMAZING May 13, 2020

    By Samasdfghjkl
    I’m not one to go out of my way to write reviews, but I just have to express how amazing Klarna is. There is no company so dedicated to their customers and consumers as this one is, I’ve never seen anything like it in all my life. Their customer service is unreal, they are always on top of exchanges, returns, purchases, everything. Their social media is always on point-they are always replying to people, getting back to people with questions fast, being fun and funny, etc. The company itself is amazing, I have more than 15 purchases with them right now and have never had a problem with one. I will swear by this app/website for forever. Also want to recognize that they do Drag Brunches with incredible and popular drag queens from RuPaul’s Drag Race. They are so cute and entertaining, especially during this time. And if I’m correct, I believe they are fundraising events as well, for people who are affected by the virus. Just wanted to put my two cents in to demonstrate just how amazing Klarna is, and how I don’t see why anyone would use any service aside from theirs. So loyal to their customers, even newer customers! Love 💗💗💗
    more
  • Oct 21, 2020

    By Deb
    Get Klarna Today! This app is fantastic. I have been using it for over a couple of months now and I was really afraid of downloading this app because of the negative reviews. Some guy said he couldn't pay off the debt and it just accumulated interest. I didn't want that for myself but I haven't run into that problem. The first payment comes out automatically after a purchase. I think the other payments too but I normally just pay when I get money. It does a little cash back too.
    more
  • Oct 21, 2020

    By Carmen Peinado
    Klarna used to be a great app and an alternative to shopping & use of credit cards. Unfortunately not sure if it has to do with the new update, but I can no longer be approved for minimal balances ($100 or less) even though I've had a great payment history and high limit available in the past. Would definitely be 5 stars though for easy to use and creation of ghost cards.
    more
  • Don’t bother wasting your time! Nov 14, 2019

    By Temptation_bri
    Was excited to use this app, but was very disappointed after downloading & using it. There are only a handful of stores that you can shop at, Everytime I saved anything to my wishlist or added it to my cart, it would disappear after closing the app then reopening. Once I finally added an item back to my cart and went to check out, I added my card information, then was told I was not eligible but wasn’t given a reason why. I chatted with an online agent & was told I would be denied for a handful of reasons (no prepaid cards allowed, card must not expire within the next 8 weeks, & billing address must match my bank account & what I entered into the app), none of which applied to me. My card is not prepaid, I have enough money in my account, billing address matches & my card doesn’t expire until 2023. I chatted with another agent saying I do not have enough payment history with Klarna to be given the option to use the app, which is crap because how am I supposed to BUILD payment history within the app, if I’m not allowed to purchase anything?!?! Neither of the “ agents”were helpful and just kept sending automated responses. I downloaded a different app that offers the same services, called AfterPay. Hundreds of stores to choose from to shop with & within 5 minutes of downloading the app, I was able to make the purchase of what I was trying to buy from Klarna. Would NOT recommend this terrible app!!!!!
    more
  • Oct 21, 2020

    By sugarfoot401 harris
    Absolutely not worth it. I tried to make a purchase, the first payment went through with no issues I thought everything was fine but apparently not. With no notification my order was cancelled and a hold was put on the "one time card" you have to create in order to purchase. They said that it would take 5-7 business days for the transaction to show up when the hold was released. I think this is ridiculous especially when it told me the transaction was "approved" before.
    more
  • Oct 21, 2020

    By A Google user
    The idea of klarna is interesting. with every new purchase the app makes a new account, and it can't track the older purchases. And there is no way to bring them all in the app. I tried rebooting the app and reinstalling, it doesn't work. Also shopping through the app with Adidas won't work it does not connect with thier site. Eventually you rather go stone age manual way. It also does not track your order. I called your team were not helpful.
    more
  • Disappointed Oct 14, 2019

    By Destiny 😋
    Honestly I’m very disappointed in this app. My cousin was the one that told me about and I was really excited about it. I finally get paid from work and I want to buy some things for myself. When I start wanting to make a ghost card, it says “I’m not approved. (Whatever that means).” My cousin and my sister had no problem making purchases but for some reason I went through so much trouble just trying to make my first purchase. I contacted someone through Facebook messenger and they told me that I had to have a debit/credit card, a real bank, and it couldn’t expire in like a couple days. I had a debit card from Santander and it expired in 2020, so this didn’t correspond. So the guy told me wait a couple days because the app can be iffy. So I waited four days. Then I contact customer service again, and a woman named Jessica answers, asks me what bank I use, I tell her Santander and then she completely leaves me on read and leaves the conversation. Then a man named Kristofer answer and he tells me the same exact thing the guy in Facebook tells me and I tell him that everything is good and the only answer I got was that they didn’t know why it wasn’t working and that I need to make smaller purchases. When my cousin and sister made the exact same purchase with no problem but for some reason I can’t do it. It’s like the choose who they give it to and who they don’t.. this is the worst app I’ve ever downloaded..so disappointed.
    more

No reviews available

  • Oct 21, 2020

    By Cl Miller
    This is a great app for a great Service. Please understand that all purchases are based on a computer program and not just your records with Klara. If your credit life is crumbling then you may get a lower limit than you have in the past. What fees are people talking about? I pay no fees to use Klarna so no comments on that. As for the down payment or payment up front, everything I have read says that your first payment is due when the order ships. We are using Klarna for a reason people!!
    more
  • Klarna is wonderful when it works. Jun 12, 2020

    By erinb2020
    First I want to say, an app like this is a life saver for many, but it does have flaws. Some of my experiences including, cancelling my order and Klarna not being able to cancel it from their end for almost 45 days later. No explanation why my ghost card was cancelled and my actual card charged the full amount (thank god I had the full amount in my account otherwise I’d have over-drafted). There is literally no communication between Klarna and wherever you’re buying so don’t expect anyone to know anything. I’m serious! Customer service is given nothing. No explanations, no reasons why, nothing. They have no idea what to do to help you and they’re in the dark about everything. They cannot change anything and the only way to fix an issue is get transferred to an ‘expert’. My expert said they were going to manually fix my issue - it’s been a week now and the issue is still present. Just know you do take a risk with this. It is a gamble. Maybe everything works or maybe you get charged the full amount with no explanation why in sight. Moral of the story? Have enough money to buy what you want, even if you don’t want to spend that amount upfront.
    more
  • No longer working! Feb 26, 2020

    By J.Alv11
    I was in love with this app before holiday season hit and was able to stock up on some presents before December! However, when I tried to buy some more gifts around holiday season I was no longer approved for ghost cards. I thought it was perhaps due to the amount of people also trying to order around holiday season so I waited and even now I am no longer approved for ghost cards and I’m so disappointed because I loved this app. I understand it’s all an automated system that either approves you or doesn’t I just don’t know what I did wrong because my card will have more than enough money, I have tried different amounts of money for ghost card approval, and have paid all of my pervious purchases off which is hundreds of dollars by the way. Now I’m back to using Afterpay which I highly recommend to anyone looking for a similar app. Only downfall is it doesn’t have as many options as Klarna does. If this app ever does change its ghost card approval processing I’d be more than happy to come back and spend my money with this app but for now this system isn’t working for me and many other and for that reason I will no longer be using it.
    more
  • AMAZING May 13, 2020

    By Samasdfghjkl
    I’m not one to go out of my way to write reviews, but I just have to express how amazing Klarna is. There is no company so dedicated to their customers and consumers as this one is, I’ve never seen anything like it in all my life. Their customer service is unreal, they are always on top of exchanges, returns, purchases, everything. Their social media is always on point-they are always replying to people, getting back to people with questions fast, being fun and funny, etc. The company itself is amazing, I have more than 15 purchases with them right now and have never had a problem with one. I will swear by this app/website for forever. Also want to recognize that they do Drag Brunches with incredible and popular drag queens from RuPaul’s Drag Race. They are so cute and entertaining, especially during this time. And if I’m correct, I believe they are fundraising events as well, for people who are affected by the virus. Just wanted to put my two cents in to demonstrate just how amazing Klarna is, and how I don’t see why anyone would use any service aside from theirs. So loyal to their customers, even newer customers! Love 💗💗💗
    more
  • Oct 21, 2020

    By Deb
    Get Klarna Today! This app is fantastic. I have been using it for over a couple of months now and I was really afraid of downloading this app because of the negative reviews. Some guy said he couldn't pay off the debt and it just accumulated interest. I didn't want that for myself but I haven't run into that problem. The first payment comes out automatically after a purchase. I think the other payments too but I normally just pay when I get money. It does a little cash back too.
    more
  • Was great while it worked Apr 10, 2020

    By Luci89
    Update: I will update my original review stars but won’t delete my review as a reminder that it may also happen to others. As of now I’m able to shop again and create ghost cards, however, I am always apprehensive to update the app. I can’t give the app 1 star because I did have a good experience up until my first purchase was paid in full. This app was very easy to use and I was able to make multiple purchases both with the ghost card and with the stores that used Klarna as a payment method during checkout. I agree with others who say you never really know what to expect as your limit does seem to change on a daily basis. I tried to create a ghost card the same day that my first purchase was completely paid off and boom, denied and asked to try with another card. No thanks. I’m not sure if paying off triggered their automated system or it it was the update to the app but I have not been able to make a purchase since then. Moral of the story is it is great when it works but don’t become reliant on the app because you never know when you will no longer be able to get approved.
    more
  • Oct 16, 2020

    By Krishanan Merdono
    First of all this app is very different and helpful, it's an online supermarket that combines all stores into one app, it's a very very good way of making a shopping app and I love it how the whole app works, theres just one huge problem with it and its speed, its extremely slow at loading websites to the point where its barely useable, sometimes they barely even load at all, but other than that I think it's a very good concept of an app
    more
  • Oct 14, 2020

    By Javier Bennett
    Was once a great and convenient service but now all you get is "Something went wrong". In the beginning klarna would approve any one time card I created, and I've paid them all with no late fees, some I paid off before the end date. These days I can barely create 5 or more cards for purchases. Either there's a glitch or a cap. I've been forced to use QuadPay more than ever.
    more
  • Paid off account earlier than needed to end the frustration Jun 27, 2019

    By Guido0401
    I paid off my no interest account 9 months early just so I could avoid having to deal with the idiosyncrasies of this service. By trying to be so “simple” and “modern” I find at least for me they miss some expected capabilities. The “notification of payment due” worked once and never again. Their support told me either my phone or app notifications we’re turned off (they were not) or that loading a new release of software could turn them off. Really? Either way I missed a payment; they were nice enough to remove the late fee. Which leads to another deficiency. No way to pre-schedule payments other than “the minimum payment on the due date”. If you want to schedule a larger payment and possibly a few days earlier, you can’t. And I had to reset the “fingerprint login” multiple times for whatever reason. It would also be nice if there was an auto connect to Quicken but that’s not always common with these type of services. And just (intuitively) finding things in the app is not that easy; and I’ve (easily) navigated many apps / websites for similar services. This one ranks as one of the less intuitive.
    more
  • Oct 21, 2020

    By Carmen Peinado
    Klarna used to be a great app and an alternative to shopping & use of credit cards. Unfortunately not sure if it has to do with the new update, but I can no longer be approved for minimal balances ($100 or less) even though I've had a great payment history and high limit available in the past. Would definitely be 5 stars though for easy to use and creation of ghost cards.
    more
  • Oct 21, 2020

    By A Google user
    The idea of klarna is interesting. with every new purchase the app makes a new account, and it can't track the older purchases. And there is no way to bring them all in the app. I tried rebooting the app and reinstalling, it doesn't work. Also shopping through the app with Adidas won't work it does not connect with thier site. Eventually you rather go stone age manual way. It also does not track your order. I called your team were not helpful.
    more
  • Oct 21, 2020

    By Kaylah Stevens
    It has options but I don't like how the app keeps closing out every time I try to look at a item before buying it or before I purchase it. Can you please fix it? I would like to be able to shop on the app in peace without complications. I also don't like the fact that you are required to have the shipping address be the same as the billing address in order to complete your first purchase on the app. As long as the payments are still taken out for the purchase regardless, it shouldn't matter.
    more
  • Oct 12, 2020

    By Mark Horton
    What once was a good app has gone downhill. It's exceptionally slow and sluggish. No matter what you are trying to do, it's borderline unresponsive at times. Klarna has also began double charging your first payment. I can imagine what that does to someone who relies on this service, potentially overdrafting them until/if the second payment falls off days later. I can't recommend it, there's better in this space.
    more
  • Oct 5, 2020

    By Danny Sexton
    Total trash of an update. When I complete paying off something and then I try to go back into that purchase and click "more" it just brings up a balloon that says "something went wrong". This app is slow, and I always have issues with these updates. Updates are supposed to improve functionality, not reduce it.
    more
  • Don’t bother wasting your time! Nov 14, 2019

    By Temptation_bri
    Was excited to use this app, but was very disappointed after downloading & using it. There are only a handful of stores that you can shop at, Everytime I saved anything to my wishlist or added it to my cart, it would disappear after closing the app then reopening. Once I finally added an item back to my cart and went to check out, I added my card information, then was told I was not eligible but wasn’t given a reason why. I chatted with an online agent & was told I would be denied for a handful of reasons (no prepaid cards allowed, card must not expire within the next 8 weeks, & billing address must match my bank account & what I entered into the app), none of which applied to me. My card is not prepaid, I have enough money in my account, billing address matches & my card doesn’t expire until 2023. I chatted with another agent saying I do not have enough payment history with Klarna to be given the option to use the app, which is crap because how am I supposed to BUILD payment history within the app, if I’m not allowed to purchase anything?!?! Neither of the “ agents”were helpful and just kept sending automated responses. I downloaded a different app that offers the same services, called AfterPay. Hundreds of stores to choose from to shop with & within 5 minutes of downloading the app, I was able to make the purchase of what I was trying to buy from Klarna. Would NOT recommend this terrible app!!!!!
    more
  • Oct 21, 2020

    By sugarfoot401 harris
    Absolutely not worth it. I tried to make a purchase, the first payment went through with no issues I thought everything was fine but apparently not. With no notification my order was cancelled and a hold was put on the "one time card" you have to create in order to purchase. They said that it would take 5-7 business days for the transaction to show up when the hold was released. I think this is ridiculous especially when it told me the transaction was "approved" before.
    more
  • Disappointed Oct 14, 2019

    By Destiny 😋
    Honestly I’m very disappointed in this app. My cousin was the one that told me about and I was really excited about it. I finally get paid from work and I want to buy some things for myself. When I start wanting to make a ghost card, it says “I’m not approved. (Whatever that means).” My cousin and my sister had no problem making purchases but for some reason I went through so much trouble just trying to make my first purchase. I contacted someone through Facebook messenger and they told me that I had to have a debit/credit card, a real bank, and it couldn’t expire in like a couple days. I had a debit card from Santander and it expired in 2020, so this didn’t correspond. So the guy told me wait a couple days because the app can be iffy. So I waited four days. Then I contact customer service again, and a woman named Jessica answers, asks me what bank I use, I tell her Santander and then she completely leaves me on read and leaves the conversation. Then a man named Kristofer answer and he tells me the same exact thing the guy in Facebook tells me and I tell him that everything is good and the only answer I got was that they didn’t know why it wasn’t working and that I need to make smaller purchases. When my cousin and sister made the exact same purchase with no problem but for some reason I can’t do it. It’s like the choose who they give it to and who they don’t.. this is the worst app I’ve ever downloaded..so disappointed.
    more
  • Oct 20, 2020

    By Nikki K
    This app isn't useful. Interface looks nice, but I no longer want to have this account. I contacted support in a chat through the app (which you have to do in order to have your account deleted). The person I spoke with was nice, but said the matter needed to be escalated and I would hear back from someone within two business days. It's been over a week now and no contact. I wrote again in the initial chat which was still open, and again no response. Shady practices like this make me wary
    more
  • Good to start but gone off the deep end Jul 29, 2020

    By sassypantalones
    I liked Klarna a lot at first, but then they changed their policies to be more on the side of merchants than customers. I bought something online from an independent seller than never arrived. I reached out to the seller for a refund and they refused despite my showing proof that it never arrived. At first, Klarna took my side and cancelled the order. Then a few months later, they tried to charge me again, so I reached out and they weren’t able to give back the money taken, but they did put a stop on the payments. Just today, I got a notification saying that I would be charged for this item once again. This time Klarna refuses to stop or cancel the payment and said it was due to a new policy. On top of that, one of their reps told me to just go to my bank and have them stop payments to Klarna. When I explained that this would cause my bank to stop ALL payments, even the legitimate ones, the rep basically said “oh well” and told me to do it anyway. So I guess Klarna would rather have people go behind their back to prevent banks from accepting their payments than taking responsibility and just cancelling the order. Bad business practice, bad customer service, and an all around stupid AF company. So go ahead everyone, just use Klarna and then stop payment with your bank because they clearly don’t care about running an honest business. Use QUADPAY instead.
    more

What’s Groovy

What’s Subpar

Loading...

Ask