Also known as: Klarna; Klarna Financial Services UK Limited
Klarna is a Swedish fintech company that provides Buy Now Pay Later services and payment products in the UK and many other countries. It was founded in 2005 and has grown to become one of the most widely known names in short-term consumer credit.
Klarna's main UK products allow shoppers to split purchases into smaller payments or delay payment. The most popular options are Pay in 3 (splitting a payment into three equal monthly instalments), Pay in 30 days (buy now, pay later within 30 days), and longer-term monthly financing for bigger purchases.
These products are available at checkout when shopping online with participating retailers. The availability of 0% interest on shorter Klarna products depends on paying on time. Late payments or using longer-term financing may result in fees or interest charges.
Klarna has faced scrutiny from regulators and consumer groups regarding whether Buy Now Pay Later products were properly regulated and whether they encouraged customers to spend more than they could afford. The FCA has been working on a regulatory framework for BNPL products. Klarna was granted a full UK banking licence in 2024, making it subject to banking regulation.
If you have a Klarna account and need to contact them, support is available through the Klarna app or website at klarna.com/uk. As a bank, Klarna is authorised by the Prudential Regulation Authority and regulated by both the PRA and the FCA.
If you are struggling with Klarna repayments, contact Klarna directly. Free debt advice is available from StepChange and Citizens Advice at no cost.
Quick summary
Always verify this information directly with the company, the FCA Register and Companies House before relying on it.
These are general questions that may be relevant to your situation. They are not personalised advice.
Always use contact details from Klarna Bank AB (UK operations)’s official website ↗ or the FCA Register — not from unexpected letters or messages.
Main products and services
Buy Now Pay Later (BNPL) — Pay in 3; Pay in 30 days; Klarna Card; Financing plans; Price comparison / shopping app
Trading names and group notes
Parent: Klarna Bank AB (publ), Sweden. Listed on NYSE in July 2025. The UK regulated entity transitioned from the EU passport to UK authorisation post-Brexit.Review scores are third-party public indicators only. They are not proof of FCA compliance, product quality, or suitability for your circumstances.
Trustpilot
4.1
~540,000+ reviews
App Store
4.9 (Apple App Store, as at 2024)
Google Play
4.6
Other review sources
Capterra reviews available; G2 reviews available
Overall public sentiment
Generally positive on Trustpilot and app stores. Negative themes include refund delays (40-50% of complaints), customer service quality post-AI-only experiment (reversed in late 2025), and account restrictions.
Check whether repayments fit your budget
Use Ask Fin to check whether BNPL repayments fit within your monthly budget before taking on new commitments. General guidance only — not regulated financial advice.
Start with Ask Fin — £4.99/monthGeneral guidance only. Not regulated financial advice.
General guidance tools only. Not regulated advice.
Answers are general guidance only. Rules and procedures may change. Always verify with the company or a qualified adviser.
Source URLs used in preparing this record
Date checked
2026-06-05
Next review due
Periodic review
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