Klarna Plus 2026: price and benefits
In October 2026 Klarna Plus costs €9.99/month and gives 0.5% cashback on all Klarna purchases and purchase protection of up to €500. Klarna's currency conversion markup is 0% on all membership tiers.
Klarna Plus: price
| Monthly price | €9.99/month |
|---|---|
| Annual price | not published |
| Terms affecting the price | First month free, then €9.99/month. The cheapest tier, Everywhere, costs €3.99/month (no cashback and no insurance). |
| Who can apply | Klarna's membership page does not mention income requirements; the membership has a monthly fee and can be cancelled at any time in the app. A physical card requires a paid membership. Klarna Bank AB is a Swedish bank. |
Benefits
| Travel insurance | No travel insurance (starts from the Premium tier). |
|---|---|
| Lounge | Discounted lounge visit €35/visit (1,500+ lounges). |
| Withdrawals abroad | Withdrawal terms are not stated on the membership page. |
| Currency conversion markup on card payments | 0.00% |
| Purchase protection | XCover purchase protection for damage and theft up to €500, 30-day price drop protection, 2-year extended warranty. |
|---|---|
| Cashback or points | 0.5% cashback on all Klarna purchases as points (redeemable as money or travel points), double cashback at selected shops in the app; €80 of monthly discounts from top brands. |
| Other | Savings interest 2.30%, priority phone support, digital subscriptions (e.g. Bon Appétit, ClassPass 5 credits/month). The card is a Visa linked to a Klarna bank account, with which you can pay immediately or later. The terms and effective annual interest rate (APR) of the Pay later credit are not on the membership page, so no credit information is given here. |
Related guides
- Premium accounts and cards compared
- Bank packages compared
- bunq Pro
- Revolut Premium
- Klarna Premium
- Klarna Max
Sources
- Klarna-jäsenyys (Suomi)retrieved 16 October 2026
- Klarna Suomiretrieved 16 October 2026
Data checked 16 October 2026. Check current terms and prices with the provider.
Frequently asked questions
How much does Klarna Plus cost?
In October 2026 Klarna Plus costs €9.99/month. First month free, then €9.99/month. The cheapest tier, Everywhere, costs €3.99/month (no cashback and no insurance).
What benefits does Klarna Plus include?
In October 2026 Travel insurance: No travel insurance (starts from the Premium tier). Lounge: Discounted lounge visit €35/visit (1,500+ lounges). Cashback or points: 0.5% cashback on all Klarna purchases as points (redeemable as money or travel points), double cashback at selected shops in the app; €80 of monthly discounts from top brands. Currency conversion markup on card payments: 0.00%.