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Updated July 2026 · real, multi-region App Store reviews
Head-to-head

Klarna vs OneUnited Bank

Klarna 4.9★ · Free to download 75
Winner Klarna
OneUnited Bank 4.7★ · Free to download 55

Klarna is generally preferred for its payment flexibility and ease of use, while OneUnited Bank is chosen by users primarily for its mission as a Black-owned bank, despite ongoing app and service issues.

Full reviews: Klarna · OneUnited Bank

Klarna offers flexible payment options and is generally well-regarded for making purchases more affordable, though some users report issues with declines and customer service. OneUnited Bank is valued for its Black ownership, but faces significant criticism regarding its app functionality, customer support, and transaction processing times.

Head to head

Features & Functionality edge: KlarnaR1R6R7R8
Klarna Klarna is praised for its 'pay in 3' or installment options, making shopping more affordable and helping with budgeting R8R12R26R35. Users appreciate the ability to get items without immediate full payment R26. However, some users experience issues with payment declines even with good credit R6R7R10, difficulty with face recognition for login R1, and problems with the app freezing during large purchases . There are also complaints about unexpected subscriptions and charges R13.
OneUnited Bank OneUnited Bank is appreciated by users for its card options and the ability to get paid a couple of days early R84. Some users find the app easy to navigate and helpful for credit building . However, many users report significant issues with the app's functionality, including inability to view account balances R79, difficulty with Face ID and password login R63, frequent crashes and glitches R66, and problems accessing bank statements R64. Users also complain about slow money transfers and issues connecting to other accounts .
Ease of Use edge: KlarnaR4R12R14R21
Klarna Many Klarna users find the app easy to use for making purchases and managing payments R12R14R26R35. However, some find it too complicated or experience continuous loading issues R4. There are also complaints about forced updates that disrupt usage at critical times R21 and issues with identity verification .
OneUnited Bank Some OneUnited Bank users find the app simple and easy to use and are getting used to its navigation . However, a significant number of users report that the app is not efficient , has too much clutter , and is glitchy . Issues with logging in, including Face ID failures and password problems, are common R63.
Reliability edge: KlarnaR7R9R10R16
Klarna Klarna is generally seen as reliable for making payments and helping with finances . However, users report issues with payments not being processed correctly , being charged for services not received , and problems with refunds R16. There are also instances of declined payments without clear reasons R10 and unexpected changes to available balance or purchase power R7R9.
OneUnited Bank OneUnited Bank users experience mixed reliability. Some report their account is always functioning without hiccups and deposits are never an issue R84. However, many users face significant reliability problems, including the app not working to access money , inability to view account balances for months R79, and issues with direct deposits not arriving early as advertised R85. There are also reports of accounts being closed without reason and difficulties with card functionality .
Customer Support tieR1R7R19R28
Klarna Klarna's customer service receives significant criticism. Users report unhelpful agents who provide copy-paste instructions R1, a lack of a contact phone number to speak to a live representative R19, and non-existent customer service . Some users feel treated poorly R7 and report issues with double charges being dismissed R28.
OneUnited Bank OneUnited Bank's customer service has mixed reviews. Some users report much better customer service that gives correct answers , immediate addressing of problems , and helpful representatives . However, a substantial number of users complain about poor customer service communication , difficulty speaking to a human representative , and unhelpful staff . There are also reports of issues being passed to automated systems and a lack of follow-through .
Price/Value edge: KlarnaR8R10R12R13
Klarna Klarna is valued for offering accessible payments and helping users afford purchases R8R12R26. Users appreciate the flexibility and lack of hidden charges . However, some users complain about unexpected late fees R10, being charged for subscriptions they didn't want R13, and being overcharged or double-charged R28.
OneUnited Bank OneUnited Bank is valued by many for its mission as a Black-owned bank and the opportunity to support the community . Users appreciate the card options and potential for early pay R84. However, some users report being charged for 'everything' , issues with money being held after application denial , and allegations of fraudulent double charging .
Pick Klarna if

You want flexible payment options for shopping, appreciate the ability to pay in installments, and are looking for an app that generally simplifies the purchase process R12R26R35.

Pick OneUnited Bank if

You prioritize banking with a Black-owned institution and are willing to overlook significant app and customer service issues to support that mission .

Evidence note: Klarna has a much larger volume of reviews, which provides a broader perspective on user experiences. OneUnited Bank's reviews, while fewer, show a strong thematic focus on its identity as a Black-owned bank, often in contrast to its functional shortcomings. The lifetime ratings are 4.86 for Klarna and 4.69 for OneUnited Bank, but recent negative reviews for OneUnited Bank suggest a decline in user satisfaction, particularly concerning app reliability and customer support, which is reflected in the lower score.

Frequently asked

Does Klarna offer installment payments?
Yes, Klarna is widely praised for its 'pay in 3' or other installment options, which users find makes shopping more affordable and helps with budgeting R12R26R35R45.
Are there common issues with OneUnited Bank's app?
Yes, many users report common issues with OneUnited Bank's app, including frequent crashes, glitches, difficulty with Face ID and password logins, inability to view account balances, and problems accessing bank statements R63R64R66R79.
How is Klarna's customer service?
Klarna's customer service receives significant criticism, with users reporting unhelpful agents, a lack of live phone support, and difficulty resolving issues like double charges or refunds R1R7R19R28.
Does OneUnited Bank offer early direct deposit?
Some OneUnited Bank users report receiving their pay two days early R84, but others have experienced issues with direct deposits not arriving early as advertised R85.

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. [R1] Klarna 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!
  2. [R6] Klarna 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
  3. [R7] Klarna 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
  4. [R8] Klarna 5/5 · US Klarna Account: I love that Klarna is there for people that need payments. Thank you
  5. [R4] Klarna 1/5 · US App: Continuous loading
  6. [R12] Klarna 3/5 · GB Hooray for Klarna: Love using the pay in 3 agreement that Klarna offer. It makes shopping so easy and help make paying for things more affordable. I’m a very happy member. 👍👍👍
  7. [R14] Klarna 5/5 · US Lo mejor: Muy buena oportunidad de conpras
  8. [R21] Klarna 3/5 · GB Handy but can be inconvenient: It’s handy to have cards in one place and this app is good for that. Negatives are it springs on you a required update occasionally which totally and utterly scuppers you at the till right when you need it most. You either have to apologise to all in the queue and stand there while it updates and burns through your mobile data - if you have reception in that big meta
  9. [R9] Klarna 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
  10. [R10] Klarna 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!
  11. [R16] Klarna 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.
  12. [R19] Klarna 1/5 · US No customer service: Klarna needs to have a contact phone number available to speak to a live customer service representative
  13. [R28] Klarna 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.
  14. [R13] Klarna 1/5 · US Makes you pay for a subscription: And will not allow you to opt out after you order with them
  15. [R26] Klarna 5/5 · US Lo mejor: Amo esta aplicación, obtengo mis cosas sin remordimientos y a plazos cómodos.
  16. [R35] Klarna 5/5 · US Comprar: Me fascinó ayudan a uno ser pagos fáciles y eso es importante uno puede comprar y Sequir lo importante es pagarlo gracias
  17. [R45] Klarna 5/5 · US Klarna: Excelente servicio para poder pagar a plazos.
  18. [R63] OneUnited Bank 3/5 · US Face identity: I always have issues with logging into the app with face id and then it never accepts my password when I try to type it in.
  19. [R64] OneUnited Bank 1/5 · US This app: This app really sucks you can’t get your bank statements you really can’t do anything this app needs to be updated seriously
  20. [R66] OneUnited Bank 3/5 · US Crashes a lot: I like the app, but can we get an update because it has some bugs and glitches. Then it crashes a lot.
  21. [R79] OneUnited Bank 2/5 · US Was Good at First: I’ve been a member and using the app for roughly two years now. For the since May or so I have not been able to view any account balances on the app nor online. I have been told about two months ago that they are a water of this and have no timeframe or updates of when the problem will be resolved. I was never notified that this issue was happening or that they were on top of it
  22. [R84] OneUnited Bank 3/5 · US The App Needs Much Improvement: For starts, I have no complaints about this bank since being a member in Oct. 2020. I get paid 2 days early and never have issues with my deposits or transactions declining. Now, this app needs a MAJOR upgrade. I hate to compare the app to others such as CashApp and Navy Federal, but this app is not functional for bank accounts, in my opinion. With other bank apps,
  23. [R85] OneUnited Bank 1/5 · US Direct Deposit: Switched to this bank because I expected pay to con few days early as advertised. 4 dd approaching no early dd.

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