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Updated July 2026 · real, multi-region App Store reviews
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Klarna

60
Value score / 100 Worth paying? No Skip it

Klarna is a popular buy-now-pay-later (BNPL) app that offers payment flexibility, but users frequently encounter issues with app functionality, customer service, and inconsistent approvals, making its overall value questionable despite many positive reviews.

Free to download seen up to $3500 4.9★ lifetime (2,271,892) since 2016

Klarna allows users to split purchases into installments, which many find helpful for managing finances and making larger purchases R6R13R48. However, the app is plagued by technical glitches, poor customer service, and inconsistent approval decisions, leading to frustration and financial complications for some users R1R3R5R10.

Free vs paid

The core functionality of Klarna, which allows users to split payments for purchases, appears to be free R6R13R48. However, some users report being charged for a subscription or membership without clear consent or the ability to opt out R15R78. There are also complaints about promised benefits from a 'Klarna Plus' subscription, such as Headspace, not being delivered R66. The app's pricing signals indicate various in-app purchases, but the reviews do not clearly delineate what these purchases entail or what specific features are locked behind a paywall, beyond the mentioned subscription issues.

Value complaints

  • Users report being charged for subscriptions or memberships they did not intend to purchase or cannot opt out of.R15R78
  • Some users complain about being overcharged or double-charged.R47R330
  • There are complaints about promised benefits, like a Headspace subscription from Klarna Plus, not being delivered.R66
  • Users experience issues with refunds, with Klarna reportedly keeping money or making the refund process confusing and difficult.R22R75R109R372

Where it delivers

  • Many users appreciate the flexibility Klarna offers for making payments over time, which helps them manage their budgets and afford purchases.R6R13R14R16
  • The app is seen as user-friendly and easy to navigate by some, simplifying the checkout process.R41R42R55
  • Klarna is credited with helping users build credit and providing financial opportunities.R14R5R12
  • Some users find it helpful for organizing payments and managing expenses, especially for larger items.R48R55
Worth paying if

It is not clear from the reviews what specific features require payment or a subscription, making it difficult to recommend paying. If the reported subscription issues are resolved and clear benefits are offered, it might be worth paying for users who frequently need to manage multiple loyalty cards and value the convenience of having them in one place, provided the app's technical issues are addressed .

Skip / stay free if

You should skip paying for Klarna if you are wary of unexpected charges, poor customer service, or an app with frequent technical issues and inconsistent functionality R15R22R27R78. Users who rely on consistent service and clear communication regarding payments and refunds should also avoid paying R5R10R47.

Evidence note: The reviews are heavily skewed towards either 1-star or 5-star ratings, with a significant number of 3-star reviews highlighting specific functional issues. While the lifetime rating is high, recent negative reviews frequently detail critical problems like app glitches, poor customer service, and payment discrepancies.

Frequently asked

Does Klarna offer good customer service?
No, many users report poor or non-existent customer service, citing issues with getting help from agents, receiving copy-paste instructions, and a lack of a contact phone number R1R27R70R122.
Are there issues with Klarna's app functionality?
Yes, users frequently report various app functionality issues, including continuous loading, freezing during large purchases, face recognition problems, login issues, and mandatory updates at inconvenient times R1R3R53R100.
Does Klarna affect your credit score?
Yes, Klarna may affect your credit score, as some users report credit checks and changes to their available balance R61.
Can Klarna decline payments even if you have a good payment history?
Yes, Klarna frequently declines payments or reduces purchase power even for users with perfect payment histories and good credit scores, often without clear justification R5R10R38R66.
Does Klarna offer fraud protection?
According to one user, Klarna's 20 membership, which claimed to cover fraud, did not protect them when their information was stolen and unauthorized charges were made R127.

What reviewers actually said

Built only from these 120 real reviews (foreign ones translated). Superscripts jump to the quote here. Apple has no per-review links, so [ref] opens that app's reviews on the App Store.

  1. [R15] 1/5 · US Makes you pay for a subscription: And will not allow you to opt out after you order with them
  2. [R78] 1/5 · US Theft!!!: I tried to see how it worked during a Walmart purchase and it gave me a zillion problems. It didn’t allow me to use cards attached to the account. It didn’t allow me to add a card to the account. And it CHARGED me for some stupid membership. You’ll definitely give me THAT back!!!
  3. [R47] 1/5 · US Poor Customer Service: Klarna tried to double charge me and then acted like I was crazy when I attempted to get clarification on the situation.
  4. [R330] 3/5 · GB Over charged: Good service overall, but I believe I may have been charged twice. Please investigate.
  5. [R66] 1/5 · US Broken Promises: Very unhappy with the promises that were made to me when I decided to join Klarna Plus. Not able to get the subscription to Headspace, which was promised to me as a benefit. Headspace says they are not recognizing Klarna as being as supporting company. Also, being denied when trying to get a pay for four which is only around $30, eight dollars a month. Klarna declined the purchase
  6. [R22] 1/5 · US STARZ: I ordered STARZ through Klarna but could not login. STARZ says they can’t find my account and cannot provide a refund and stated Klarna has my payment and will be responsible for the refund. Now Klarna won’t refund my money and I guess I’ll be seeking legal action.
  7. [R75] 1/5 · US Greedy: Have been evading giving me a return for over a month. Will never use again.
  8. [R109] 1/5 · US Devolución de dinero.: No efectúan el reembolso de mi dinero cuando nunca recibí el producto
  9. [R372] 3/5 · GB Refunds: Offered but very confusing to collect. I still haven’t got mine back despite trying. They want photos and other evidence just to take it off your balance!
  10. [R6] 5/5 · US Klarna Account: I love that Klarna is there for people that need payments. Thank you
  11. [R13] 5/5 · US Lo mejor: Amo esta aplicación, obtengo mis cosas sin remordimientos y a plazos cómodos.
  12. [R14] 5/5 · US Salva vidas: Es una gran oportunidad de poder comprar más por menos y crear un crédito
  13. [R16] 5/5 · US Pagos accesibles: Buena opción para
  14. [R41] 5/5 · US Love it!: I love Klarna , makes life so simple
  15. [R42] 5/5 · US Great: Easy to use
  16. [R55] 5/5 · US Great!: I’ve had a great experience using Klarna. The app is extremely user-friendly, easy to navigate, and makes the checkout process simple. I really like how it helps spread out payments, which makes it much easier to make necessary purchases when my budget is tight. Everything is clearly laid out, payment reminders are helpful, and I’ve found it to be a convenient way to manage my spending wit
  17. [R5] 1/5 · US Horrible treatment: Gonna make this quick but I’ve never missed a payment ever. Been with them for over a year and have other profiles I’m above 750 credit score. Randomly my purchase power went down dramatically and they want me to just pay all of it pretty much so why would I use you. I have the money but want to build my credit I would tell people to use the app and everything. I’m uninstalling
  18. [R12] 5/5 · US Thank you Klarna: Had a work injury a year or so back. Bills piled up and late payments began. I saw adds for PDS come up and I went through with them. They wrecked havoc on my credit and even though my credit score is back to fair because of the missed payments PDS debt has you do it still shows all these delinquencies on my account. My dog broke her foot and I can’t get help for funding anywhere
  19. [R48] 5/5 · US Functional and Helpful: I had bought big stuff before ans Klarna makes it easy to organize and payment plans. Even small stuff, I like to use to not feel heavy while paying.
  20. [R1] 1/5 · US Face Recognition: No help at all! The face recognition keeps blacking out. This is the fourth time. Every time I ask for help with an agent they give me a copy paste instructions that I told them several times I’ve already done it and still doesn’t work. They don’t care and always say wait 24-72 hours and try again. SSTILL DOESN’T WORK! I really hate the face recognition system. It’s so horrible!
  21. [R27] 1/5 · US No customer service: Klarna needs to have a contact phone number available to speak to a live customer service representative
  22. [R70] 1/5 · US Klarna’s failing: Klarna’s customer service is non existent. I purchased a flight via the Klarna’s app which had an offer for cash back purchases with Expedia. The original purchase was declined, but the protection was approved and charged. I then purchased the flight via the Klarna’s app’s Expedia portal and was approved. I did not purchase the protection again, because I was already charged. I c
  23. [R122] 1/5 · US good app but horrible customer service: I’ve been having an issue using Klarna for over a year now. I first reached out to Klarna a year ago requesting assistance with my account since every time I go to use Klarna it says they are unable to offer me anything since I have past due balances. I went into my app to see if there was anything I owed. My app shows a $0 balance to be owed and that I have
  24. [R3] 1/5 · US App: Continuous loading
  25. [R53] 2/5 · US Ok app: So first I would like to say the app is OK for small purchases. I’ve used it for a big purchase once before and it worked but it seems like this previous year. It’s been giving me a lot of problems with trying to purchase plane tickets, etc. I have used several other apps that are similar to this and this seems like the most disappointing one the app freezes up when it’s time to make large
  26. [R100] 1/5 · US in-app glitch on a finance app: Infinite sign in glitch.
  27. [R61] 3/5 · US Report: It’s ok but I’m confused on why my available balance keep changing and yall keep running a credit check this affects people credit
  28. [R10] 1/5 · US Declined for what??: There was no reason for my payment to have been declined! Thus, there was no justification for the late fee being applied to my account!
  29. [R38] 3/5 · US Often Decline after offering: I’ve noticed Klarna will have services advertised all over these wholesale platform apps. Then you pick your items click Klarna, wait for plans to appear and then click to be told payment is declined due to something not at all related to me. I’m well ahead of my payments nor had 1 late. Strange but ai bot says it happens. So idk I guess it happens
  30. [R127] 1/5 · US No fraud protection: If I could I give them 0 stars, I was paying the 20 membership that said it cover fraud we’ll using the klarna card on a website my information got robbed and I was charged 50 in uber charges that I never even did by the time I cancelled my card to block the attempt the 50 dollars got threw called them reported it and basically told that was made trough my phone which is what

Synthesized from 120 recent App Store reviews · updated July 2026 · View on the App Store