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Fix the driver behind crashes, sound loss and screen glitchesFind Drivers →Clear out junk files and repair common Windows errorsFree Scan →Klarna launched Balance and in-app cashback together in August 2024, but Balance was not an interest-bearing US savings account. The company announced a separate US Klarna Savings account on June 9, 2026, with different terms and a stated starting APY of 3.28% on that date. Cashback remains a separate feature: eligible purchases through Klarna’s app can earn rewards credited to Balance, subject to store rules and processing delays.
What Klarna launched in 2024
In August 2024, Klarna began rolling out Klarna Balance and in-app cashback together in the US and 11 European countries, according to TechCrunch’s August 15, 2024 report. Balance let users add money from a bank account, hold funds, receive refunds and use the money for purchases or Klarna installment payments. Klarna’s launch announcement also described transfers and cashback receipts as uses for the account.
At launch, US Balance did not pay interest. TechCrunch reported that Klarna said European users could earn up to 3.58% interest at the time; that was a historical figure, not a current rate or a description of the US account.
Does Klarna have a savings account?
Yes. Klarna announced a distinct US Klarna Savings account on June 9, 2026. It is not the same product as the 2024 US Balance account. Klarna’s announcement said WebBank provides and holds the accounts, which are FDIC-insured. The company said there is no minimum deposit or monthly fee, and that customers can use direct deposit, round-ups, scheduled transfers and savings goals.
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Klarna stated that APYs started at 3.28% on June 9, 2026. The company said rates can change and that membership is required for an APY boost on balances up to $50,000. The 3.28% figure is therefore a dated announcement, not a guaranteed rate today; check Klarna’s live account terms before opening an account.
Klarna’s release also said the company held $12.3 billion in deposits across eleven European markets as of June 9, 2026. That company-reported figure is not a measure of deposits in the new US account. In the same release, CEO Sebastian Siemiatkowski said, “The average American earns less than half a percent on their savings, not because better options don’t exist, but because their bank hasn’t had to compete.” This is Siemiatkowski’s characterization in Klarna’s announcement, not an independently established benchmark here.
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How Klarna cashback works
Klarna’s August 2024 offer was described as merchant-funded cashback for eligible purchases made through the Klarna app at participating retailers. The offer did not require a Klarna-issued card, and rates varied by retailer; TechCrunch reported launch offers of up to 10%. A Klarna spokesperson told TechCrunch: “Klarna Balance is focused on being a place where consumers can receive their cash-back payments and get refunds more quickly.”
Klarna’s current US cashback page says rewards at participating stores are awarded as points that can be redeemed for Klarna Balance credit and other benefits. Eligible members may also have an option to convert cashback to airline and hotel points. The page lists offers by retailer, so the headline percentage is not a universal rate; the specific store offer and its conditions matter.
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What can affect eligibility
Klarna’s cashback terms say an active Klarna Balance is required to receive rewards. A purchase does not guarantee cashback: the store decides whether to issue it, and cookie settings, combining offers, product exclusions and other factors can affect eligibility. Klarna says most purchases take 35 to 95 days to become redeemable after confirmation. Because retailer offers and rates change, review the offer terms shown in the app before buying.
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.How Balance coverage has changed
Klarna said Balance was live in the US and 14 European markets in a July 30, 2025 announcement, which also described UK regulatory authorisation ahead of a planned UK launch. That is a dated coverage update, not confirmation of today’s full country list. The available product information does not establish a complete current list of countries for Balance, cashback or Savings; availability should be checked in Klarna’s app or local terms.
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What to check before using Klarna for savings or rewards
- Identify the account. Balance is the money-holding and cashback destination described in 2024; Klarna Savings is the separate US savings product announced in 2026.
- Confirm the live rate and conditions. Do not treat a historical European Balance rate or the Savings launch APY as a current guaranteed return. Check the current APY, any membership condition and account disclosures.
- Know where savings are held. Klarna said WebBank provides and holds the US Savings accounts and that they are FDIC-insured. Review the bank’s and account’s current disclosures for the applicable protection details.
- Read cashback terms at the retailer level. Confirm the offer, exclusions, tracking requirements, redemption options and expected wait before relying on a reward.
- Check availability where you live. Launch and expansion announcements give dated snapshots, not a comprehensive current availability list.
Product prices and availability are accurate as of the date/time indicated and are subject to change. Any price and availability information displayed on Amazon at the time of purchase will apply.
