KLARNA — Klarna Bank Charge Explained

KLARNA on your bank statement is a transaction descriptor for Klarna, a finance company. Klarna is a Buy Now Pay Later provider letting you split or defer payments, so a charge is usually one instalment of a purchase made at another retailer. Several Klarna entries can appear at once if you have multiple plans running.

What Is the KLARNA Charge?

KLARNA is a transaction descriptor for Klarna, a finance company.

Klarna is a Buy Now Pay Later provider letting you split or defer payments, so a charge is usually one instalment of a purchase made at another retailer. Several Klarna entries can appear at once if you have multiple plans running. Watch your instalment dates, as missed payments may incur fees, and descriptors commonly read KLARNA*<merchant>.

This code appears on your bank statement because banks display a short payment reference — set by the merchant's payment processor — rather than the company's full trading name. The code KLARNA is the official identifier that Klarna registered with Visa or Mastercard.

Is the KLARNA Charge Legitimate?

If you do not recognise this transaction, contact your bank promptly and follow its reporting process. Your bank can explain what options are available. Contacting the merchant directly may also help.

How Do I Cancel or Dispute a KLARNA Charge?

  1. Identify the charge: Confirm the charge is from Klarna by checking your email for a receipt or logging into your account on their website.
  2. Cancel your subscription: If you no longer want the service, log in to Klarna and cancel your subscription through account settings before the next billing date.
  3. Contact the merchant: If you do not recognise this entry, contact your bank or card issuer and ask them to confirm the transaction and merchant details. Only you and your bank can confirm whether a payment was authorised.
  4. Contact your bank: If the merchant does not resolve the issue, contact your bank or card issuer using the number on the back of your card. They can explain what options may be available and what information they need.

What Other Names Does Klarna Use on Bank Statements?

Klarna may also appear on your statement as:

Frequently Asked Questions About KLARNA

What is KLARNA on my bank statement?

KLARNA is a bank statement transaction code for Klarna, a finance company. Klarna is a Buy Now Pay Later provider letting you split or defer payments, so a charge is usually one instalment of a purchase made at another retailer. Several Klarna entries can appear at once if you have multiple plans running. Watch your instalment dates, as missed payments may incur fees, and descriptors commonly read KLARNA*<merchant>. This descriptor appears because banks display a shortened payment code instead of the full company name.

Is KLARNA a scam?

If you do not recognise this transaction, contact your bank promptly and follow its reporting process. Your bank can explain what options are available. Contacting the merchant directly may also help.

Why is KLARNA on my bank statement?

KLARNA appears on your statement because Klarna processed a payment through their card payment provider. The code is set by their payment processor and is the official descriptor registered with Visa or Mastercard. Common reasons include a subscription renewal, a one-off purchase, or a trial period that has converted to a paid plan.

How do I cancel KLARNA?

If you do not recognise this entry, contact your bank or card issuer and ask them to confirm the transaction and merchant details. Only you and your bank can confirm whether a payment was authorised.

How do I get a refund for a KLARNA charge?

If you cannot resolve this with the merchant, contact your bank or card issuer. They can explain what options may be available for this type of payment and whether any time limits apply.

For more information about Klarna and all its known transaction codes, visit the Klarna merchant page.