What is Klarna?

Introducing Klarna

We’ve partnered with Klarna, Australia’s new shopping app that helps you easily shop for what you need and stay on top of your budget. Used by over 85 million shoppers worldwide, you can shop at your favourite online stores, access special offers and manage your orders with the Klarna app.

Shop now, pay later

Sign up to Klarna faster using the CommBank app and link your CommBank cards. Shop online and pay in 4 instalments using Klarna’s one-time card at any online store, or using your stored account details with Klarna’s partnered retailers. You’ll pay the first instalment when your item is shipped, then the rest in fortnightly instalments. 

Discover a new shopping experience

With the Klarna app, you can get early access to special offers from your favourite brands, create and share personalised wish lists, and get price drop alerts. You can also track and manage your online shopping orders, payments and returns – all in one place.

Take control of your spending

Klarna charge no fees or interest if you pay on time (standard CommBank account fees and interest will apply where applicable). You also have the freedom and flexibility to pay off your account earlier.

Fast sign up and manage payments in the CommBank app

Create a Klarna account in the app

It’s fast and easy to create a Klarna account in the CommBank app. Tap Products & offers then Shop now, pay later with Klarna.

Keep an eye on your orders

You can track your Klarna orders and upcoming payments in the CommBank app, helping you manage your money so you don’t fall short before a payment is due.

Get started with Klarna

What you need

Create a Klarna account in the CommBank app

Signing up is faster using the CommBank app

  1. Tap Products & offers then Shop now, pay later with Klarna
  2. Share your details and choose which CommBank card you’d like to use when you shop with Klarna
  3. Verify your info with Klarna to start shopping. Klarna may do a credit check when you make a purchase

Paying with Klarna’s
one-time card

  • At checkout, select ‘Pay with Klarna’
  • Use your Klarna one-time card details to pay in 4 instalments (your one-time card will be generated using the CommBank card you stored in your Klarna account)
  • Klarna will send you an email confirming your purchase
  • View, check and track all your orders in the CommBank app

Backed by our 100% security guarantee

Our 100% security guarantee protects you from unauthorised transactions on personal and business accounts when you protect how you access your accounts and tell us if something is wrong.

Tell me more

Klarna & CommBank Can logo

Things you should know

1 You can add the following CommBank cards to Klarna from the CommBank app

  • CommBank Debit Mastercard®
  • CommBank World Debit Mastercard
  • CommBank personal and business Mastercard credit cards

You can use other CommBank cards that are accepted online when you shop with Klarna but you’re unable to add a CommBank Visa card from the CommBank app.

Some CommBank cards are ineligible including Keycard, Travel Money Card, Corporate Card.

Standard CommBank transaction and account fees apply.

Minimum spend applies when using Klarna.

Read Klarna's terms and conditions & Klarna's Privacy Policy

Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.

As this information has been prepared without considering your objectives, financial situation or needs, you should, before acting on this information, consider its appropriateness to your circumstances.

Please view our Financial Services Guide (PDF). Full terms and conditions for the transaction and savings accounts (PDF) mentioned and Electronic Banking (PDF) are available here or from any CommBank branch.

Credit Card applications are subject to credit approval. Full conditions will be included in our Letter of Offer. Fees and charges apply.

Commonwealth Bank of Australia ABN 48 123 123 124. AFSL and Australian credit licence 234945.