Klarna: Smarter everyday money

Name: Klarna: Smarter everyday money
Author: Klarna Bank AB (publ)

26.42.284

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Klarna Bank AB (publ)

4.4950M+ installs

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Manage money, grow savings, earn cashback, and discover Klarna Card.

Klarna: pay later, cashback, balance and savings

By Mei-Lin Chua

Contributing editor, apps and storefronts

Pay in four interest-free installments or within 30 days
Cashback of up to 10% at hundreds of stores
Klarna Card for paying anywhere Visa is accepted, with membership
Balance account with instant refunds and cashback credit
Savings account that pays interest with no monthly fees
Price comparison across stores for any product

What Klarna covers in one app

Klarna is a payments and money app built around shopping. It handles installment and deferred payments at checkout in the app, holds a balance and a savings account, and offers a wireless plan on AT&T's network.

It suits people who buy a lot online and want payments, cashback and savings in one place.

Paying in installments or later

Purchases made in the app can be split into four interest-free payments, paid in full within 30 days, or spread over a longer period. The listing says the monthly financing is issued by WebBank.

If you report a return, the app pauses your payments while it is sent back.

Cashback, membership and the Klarna Card

Shopping in the app earns cashback of up to 10% at hundreds of stores. Cashback is paid as points that redeem as credit to your Klarna balance, and it requires a Klarna balance account. Whether it is issued depends on store approval, and cookie settings or combined offers can affect it.

A paid monthly membership adds the Klarna Card, which works anywhere Visa is accepted. Members also get cashback on every purchase, travel perks and free subscriptions. A physical card carries a one-time plastic card fee, and membership can be cancelled in the app at any time.

Balance and savings account

You can add money to a Klarna balance and use it for flexible payments wherever you shop. Instant refunds go to the balance, and cashback can be converted into balance money. Deposits are held at WebBank, a Member FDIC bank, and Klarna itself is not an FDIC-insured bank.

The savings account pays interest, is free to open and has no monthly fees. Membership is required to receive and keep the boosted rate, which applies to balances up to $50,000. Amounts above that earn the base rate, and fees can reduce earnings.

Price comparison, returns and wireless plan

Search for any product to see its price compared across stores. Support runs around the clock through in-app chat.

Klarna Mobile is a wireless plan on AT&T's network with unlimited 5G, listed at $35 a month. Speeds vary by location, network and device, and the plan needs an unlocked device. Some numbers are not eligible, and you can cancel up to 24 hours before renewal in the app.

What's new

Oct 16, 2026

Shop anywhere and stay in control of your payments, all in one place. Approve purchases, track orders, and manage payments, all protected by Face ID and bank-grade security. Sign up for the card with a Klarna membership to earn maximum rewards and cashback. We've also made some minor updates and fixes.

About this APK

The build we hold is Klarna: Smarter everyday money 26.42.284 (APKS split bundle) for Android 10 and up.

Version: 26.42.284; 915297
Requires Android: 10+
Target Android: 16

Package ID: com.myklarnamobile
Format: APKS split bundle
Malware scan: Google Play Protect
Permissions: 39 declared · 8 sensitive; Approximate location
Camera
Microphone
Modify files on your device
Precise location
Read files on your device
Read phone status and identity
Read your contacts
Signed by: O=Klarna
Certificate SHA-256: b1e37ab5c13df80512d367e750976f96e2ffa2e6e26226da379f0698d58934ea