Klarna Reviews 

DO NOT USE for TICKETMASTER
The money has not been refunded for beyond the pale. I am waiting over two months. No support fobbed off. Very painful process.

No link between companies means instalment plans do not get refunded if the event is cancelled or there is an error on ticketmaster’s side

Ticketmaster is a a nightmare to deal with but factor in Klarna the process doesn’t
Also it does allow cutting and pasting reference numbers directly on the chatbot

- Klarna reference: K0JRMBFN
- Ticketmaster reference: UK2/23-24581

I have been refused credit. My experian score is 1248 out of 1250. My Transunion credit score is 658 out of 710. I own my own house and have lived in the UK since 1973 without any issues whatsoever.
Yet they say my credit is poor and refuse an installment payment for a phone. By way of explanation they say their system is automated and cant look into it. My only explanation is that they are looking to lend to people who can't pay it back so they can whack big charges thereafter.

The reply from Klarna is AI generated. If you go to chat it is an AI chatbot saying AI has decided. Utterly useless.

Klarna is good but their app does not work on my ANDROID and they make it difficult to log in to their account which I have gone in circles trying to login to make a payment!
I installed the latest update of their APP and it won't let me check the box to accept terms so that is a joke in this day and age. I can't pay you Klarna if you don't let me in to make a payment. I don't have time to spend 10 minutes with a chatbot trying to get in.
It used to be great and you might have more luck if you aren't on a cheap android .

DO NOT PUT SAVINGS OR ANY MONEY ON KLARNA

I reinstalled the Klarna app, and it asked me to verify through passport and taking a video. I did this and said they couldn't verify me.

I then tried again, and could not even make a picture of any passport this time. They immediately reject it.

Now I am locked out of my savings that I have on Klarna.

Customer support is useless, it's an AI-slop chatbot or a cheaply outsourced human that doesn't know anything. Calling them gave the same response, they tell me to wait 72 hours. They have no physical locations, and you cannot verify through phone either.

We'll see how it goes in 72 hours. I know now to never put any savings on Klarna.

Piece of shit company, avoid!

The company’s core business is lending credit for purchases. Even though I never missed a single payment term and I hardly ever use their service, they lowered my credit score. When I tried to find out why, the experience was disappointing to make an understatement.

First of all, the chatbot wasn’t helpful, as is often the case with chatbots. When I was finally given the option to speak to customer service, I expected a human response. Instead, it felt like I was talking to another chatbot; I kept getting the same answer over and over again, without anyone actually addressing my question.

Such an awful experience, ordered a bed from Estelle Decor using Klarna, bed came faulty, damaged and missing parts contracted the trader and Klarna, Klara raised case and said they would respond in 21 days, Trader stopped responding. Klarna didnt respond, raised issue with my bank and they found in my favour and refunded the money. Klarna still chasing me for payment. Today Klarna emailed me saying the bank reversed the decision and found in their favour, spoke to bank, bank said this wasnt true, contacted Klarna, going round in circles with chatbot telling me i have exceeded the amount of allowed disputes for this item and if i dont pay i will be charged a late payment fee. What a bunch of crooks! Do not use.
Response to reply,Im amazed at how quickly you reply to bad reviews when you take 4 months to respond to complaint that you are meant to reply to in 21 days. I am aware you are a payment platform, which is the catch 22 here. I have exhausted your complaints process and buyer protection policy as you confirmed with me today and yet you have told me despite my bank awarding me the money back that either I pay or get hit with late payment charges for a damaged, faulty bed with missing parts that is quite dangerous. As this is an open forum, I give you permission to disclose publicly why your buyer protection policy hasnt worked for me when the product i purchased is unsafe, why you are chasing me for payment and threatening me with late payment charges even when my bank has awarded in my favour and why you have today told me that I need to take my issue up with the seller, when it's you demanding the money and not them?

First of all it’s takes you 3 weeks to do my identity. I couldn’t use Klarna for weeks. Then when I was able to use it I was told that I couldn’t use 30 days trail and 3 instal payment. The chatbot isn’t helping either so those the agents. There’s a limit when to use Klarna. I counts use it till I pay my debt before it was due and then it didn’t go straight away. I have to wait for weeks to use klnar . I didn’t download klnar so I can pay now until the date due. I have a clean credit score I shouldn’t be struggling with this.

As long as you don't have any issues, Klarna works OK. Otherwise the company don't give a heck about you, they have a very dumb AI chatbot that basically repeats the same expressions, no real humans are called when nothing has been resolved. Now the question is, why pay through them in the first place id they don't protect you from scammers? Be aware of this!

Update 23.07.2025
I did eventually manage to make a purchasethrough Klarna but have since discovered that the selling company is based in China and that I will have to pay imort duties and taxes about £150.

I've tried to ask Klarna to stop processing the order (payment hasn't been made). I am unable to do so in writing. I want to cancel in writing in case there are any legal issues with Klarna and the company concerned not informing me that they are based in China and that I am liable for import duties taxes etc.
__________________
I need to verify an old phone number with my klarna account. I am unable to do this.... I get taken to their verification process. One of the things that it requires is a photo of my passport it's always rejected as being blurry.

The app requires that I hold the phone steady whilst it videos the passport about 20 secs. I can't keep still that long due to an illness.

I've also contacted their customer support and after 6 hours I still have not heard anything.

I don't understand why they need ID to change phone number when my new one has been verified and accepted. They've also verified me through my email address.

I also don't understand why they need to video a passport when a snapshot can do the same. Besides, how do I know that the passport verification company does pass the photo on!

It's easier to write here than to contact Klarna through their chatbot as I have to login and go through ID verification which, their verification app doesn't allow me to pass.

I started at 10.00 this morning it's now 17.55. I've finally given up on trying to verify myself. It'smadness but then so am I for persevering for so long.

Whatever the reason Klarna is out of touch with reality.

Don't use unless you want to risk getting a headache!

It's easier to write here than to contact Klarna as I have to login and go through ID verification which, their verification app doesn't allow me to pass.

With reference to the reply from Klarna:
I contacted your sales office twice yesterday afternoon (22.07.2025).Both advisors stated that they will pass onto your technical team and that they will send an email with instructions on what to do next. I'm still waiting for that email (23.07.2025)

Like many, I was drawn to Klarna for its convenience. However, after a deep look at their security, I've concluded that this convenience is achieved by making a cynical and dangerous trade-off: Klarna's entire security model operates on the assumption that its users are incapable of handling real security. This philosophy is not just flawed; it's disrespectful to every person who trusts them with their financial data.
The problems are twofold:
1. The "Front Door" is Unlocked: Their day-to-day security relies on a simple PIN and SMS text messages. In 2025, this is inexcusable "security theater." It is widely known to be vulnerable to common SIM-swap attacks, yet Klarna continues to use it, presumably because they believe offering modern, robust options like authenticator apps is too complex for their user base.
2. The "Back Door" is Left Wide Open: Even worse is their account recovery. A criminal can bypass any security you have, including a modern Passkey, simply by using the "Forgot PIN" feature, which relies on a single, insecure SMS code. This highlights a foundational rule that Klarna chooses to ignore: An account's security is only as strong as its weakest recovery method. Theirs is one of the weakest imaginable.
This brings me to the core issue: Why? Why do this when better solutions have existed for years? The only logical conclusion is that Klarna has decided it's better for business to treat its users as if they are stupid, rather than empowering them to be secure. They have chosen to accept a dangerously low security standard for everyone rather than trust their customers with best-in-class options.
People in the tech community often wonder why consumers don't demand better security. My question is, why do companies like Klarna keep getting away with providing a service that is fundamentally insecure by design?
I have reported these issues to Klarna directly. To anyone reading this: understand that when you use this service, you are being protected by the lowest possible security denominator because that is what Klarna has decided you can handle. Proceed with that knowledge.

EDIT / UPDATE (June 11, 2025):
Klarna has now replied to this review. As predicted, their response was a generic, templated message asking me to "chat with customer service."
This response proves that they did not actually read or comprehend the critical security flaws detailed here and in emails. My report on their insecure account recovery architecture is not a standard customer service issue that a chatbot can resolve; it is a matter for their Security Architects and Product Leadership.
By trying to funnel this serious feedback into a generic support queue, Klarna has only confirmed the core of my argument: they do not take user security seriously at a fundamental level. Their inadequate response should serve as a further warning to any potential user.

I genuinely don’t understand why I keep giving Klarna another chance. Once again, I’ve been deceived during a purchase – this time receiving cheap, low-quality dropshipped goods from China – and Klarna’s response? Absolutely nothing.

There is no real customer service. You’re left dealing with a useless chatbot that repeats the same scripted answers, and after several days, there is still no progress or support whatsoever.

At this point, I can only urge others to use PayPal instead – especially for anything above €50 – because when things go wrong, Klarna offers zero protection and seems more interested in shielding shady merchants than helping its own customers.

It’s exhausting and frustrating every single time I try to give Klarna the benefit of the doubt. I honestly regret trusting them again.

I have had Klarna card for years but today I have decided to close and cancel it next month.

I have personally experienced the steady decline in the quality of Klarna customer service over the years, especially in the last year.

The latest situation involves a payment I made to my Klarna Balance on the 30th of December 2024. It has now been 13 days and I still don't have the balance updated in Klarna. I have previously made payments from the same bank account to my Klarna balance without any issues.
So right now, I am first confronted with an incompetent AI chatbot which requires me to type in the information, and then I am talking to an agent who can't help either. They have escalated the issue today, but then the escalation specialist writes me from a "no-reply" email, which means I cannot even respond to them. So I have to get back into the queue again, and start from zero with the AI chatbot.

Lather, rinse, repeat.
This is only the beginning of the year and I am stressed about my money, thanks to Klarna.

My advice: Stay away from this service.

EDIT: Sharing this as Klarna has replied within one hour of this review going up.
I see two issues with the Klarna response below:
1. Assuming that I- as an aggrieved customer- haven't tried solving this problem is equally condescending and presumptuous.

2. The fact that NONE of your three agents AND the AI chatbot could share the below mentioned contact channel despite my increasingly anxious attempts to find a solution confirms my initial message: STAY AWAY FROM KLARNA.

Your headlines on Klarna employing AI is a wasted PR opportunity if your client base cannot even reach you for simple issues. And the recent slew of your 1 star reviews is testament to that.

Please please beware the main issue I have had and others reading reviews here is when an order is cancelled they still charge you when you challenge that you are met with a useless chatbot. I have had to go to the bank now and klarna have the audacity to carry on trying to keep my money thank heavens for Lloydsbanking they are robustly defending me. I had ordered a few times no issues it’s when an order is cancelled they will rob you blind. Please beware and spread the message klarna are modern day thieves.
Loving the bulk standard response no I won’t be using the link and talking to the useless chatbit again.

Account stays open, limit stays same- won't approve purchases. I know it's my credit status however iv been using Clearpay (£2000 limit and Zilch £1500 limit for over 3 years- never a bit if bother with approvals or payments.

As per your reply - I don't owe you anything and never have done- so please do not attempt to make it look like that Mr Chatbot stock answer - just pointless having it. Clearpay and Zilch have got he covered both with excellent Limits and payment histories :-)

Unethical, make unilateral changes to contracts, without notice. Their super powerful AI chatbot kept replying to me in Dutch, despite the fact I'm UK based and in the UK. Customer services absolutely pathetic, "we understand, but it's how our systems are set up!" What a joke! Avoid!

I was overall satisfied with their card, but costumer service turned into a nightmare.
In my example, I sometimes order two or three times from Asos in a month. When the refund comes, Klarna puts all of the refunds on the first order, leading to a negative balance, while the other purchases stay full price. AND THEY REFUSE TO PAY IT BACK! AI chatbot and Agents promise a refund on the Klarna Bank account, or deduction from the next order, but it HASN'T HAPPENED FOR MONTHS!

Paid for an Emma mattress via Klarna 4 years ago. The mattress failed but was still in the 10 year warranty so they removed it and were supposed to refund but won't until I send them the loan settlement agreement from Klarna. Klarna chatbot tells me I had no such loan, despite me screenshotting the agreement, and advised me to contact the National Debt Line...???!!! I'm not in debt, I've paid it off and just want the proof, the Loan Settlement statement that Emma want to see for some reason. Why is this so difficult? It's taken 5 phone calls and countless chats with agents.

No customer service.
I had a technical problem with their account. I was forced to install their mobile app, no success. I tried to contact their customer service, no live agent available. Only chatbot with no useful advice and improper answers.
I wanted to delete all my personal date as my inbox is overflown with their marketing emails (I did not agree with sending of their marketing / sale / offer emails). No reply.
Now they store my personal data without any protection.
Stay away from them.

a reimbursement took over 2 months (I still haven't got it by the time I'm writing this review).
also their so called customer service don't have a phone to reach out to, rather only through a chatbot (AI first then can be escalated to a human). I found a phone number that didn't work..
I contacted them via this (one and only) chatbot for over 5 times, and the human responded only once, promising a reinbursement that never happened afterwards. This has completely destroyed my trust not only in similar payment companies but also in online orders where returns/reimbursements could happen (because Adidas from which I bought the product that I needed to return, couldn't help in the reimbursement from klarna to me at all).
I work with AI-powered products but it's not enough to build an AI-powered interface, when the real problems are somewhere else. I hope companies can learn something

Klarna’s customer service is poor. It’s incredibly difficult and time-consuming to reach a person, and the chatbot goes on a loop. Error resolution is simply put next to impossible. I will not deal with any company that requires me to be involved with Klarna.