Klarna | .au

Review your last buy on ProductReview.com.auKlarna Verified1.3

305 reviews

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Transparency ?1.5Customer Service1.5Rates and Fees1.9Application Process1.8

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Wagepay 4.7Zip Pay 4.3deferit 4.6Gimmie 3.7NAB Buy Now Pay Later 3.8See more305 reviewsAll filtersOverviewAll filtersSearchOverviewfollow ups 1  Cenz 2mo · Sick of this bloody app At the checkout and wants to update only having used it less than 10mins ago Furious!!!!1  may a. 2mo · Karlana failed to help customers. Despite our trust, they did nothing when we encountered a problem.1  V K. 2mo · Do not use this app. You will eventually lose all your records, and you are forced to make payments through their payment platform.5  Mark M. 3mo · Using App To Pay For A SSD Order For Xmas Total I Pay $186 Very Good App As Long As I Can Add Debit Card To App I Used AfterPay I Shut It Down Two Years Ago1  Colleen J. 3mo · Beware! Even though I have an account Klarna hasn't saved my loyalty cards. I have changed phones and lost ALL my cards!1  Rob Macchia 4mo · It a really bad app, it's slow and when you need to use it, it needs to be updated. DO NOT USE THIS APPMore short reviews Abdullah 17hVoteMore

The worst app and the worst company I payed all my payment that i missed because of my financial hardship want I finished it im trying to buy new things they ask me for loans now no sorry im not going to tell you my loan im done with this app and the company im will no longer going to use it bye

Ask the reviewerHow were payments tracked?What was the new process?What changed with new purchases?New Obviousman NSW 9 posts 1moVoteMore

Terrible & buggy. Back when dinosaurs walked the Earth, there was a thing called StorCard, which stored all your cards - anything at all. Easy to use, worked like a treat. Then it became Klarna and ever since then it has been crap. Taking you through multiple sign-in, putting ads up all the time, wrong card being selected, all whilst you are in line with people behind you. I hate it with a vengence. Avoid this app.

Ask the reviewerDid old features transfer?How often are ads shown?What's the main bug?New

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vinerosa11 2w  VerifiedVoteMore

Do not touch Klarna with a barge pole and I’m going to keep spreading awareness and go to the media about their company which is fraudulent and isn’t in their customers best interest, a lil background about Klarna so Klarna was fined by financial regulators (about $46 million / 500 million SEK) for failing to meet anti-money-laundering compliance… Read more

standards — essentially not having adequate systems to monitor and prevent misuse of its services for money laundering. In the uk their ads were banned due to misinformation and false advertising manipulating millions of vulnerable broke poor people to shop in lockdown claiming it will lift your mood. Some investors sued Klarna and some executives alleging nondisclosure of certain financial risks before stock market activity. This is about company performance disclosure. They are nothing but rich scammers robbing the poor. So I bought goods from another corrupt fraudulent company Vestiaire Collective UK Limited. I cancelled my order and they said I’d be given a refund I didn’t get any of my orders. I provided proof and evidence instead of giving me my money back they ignored my evidence and sided with this company who have also done the same thing to them. This will not happen under my watch and I’m going to make sure everyone knows about them and their scamming ceo Sebastian Siemiatkowski who allowing his company to keep and steal people’s money. I cancelled the goods I did not receive any goods yet they are keeping my money. This will not happen and now I’m taking them to trial to see what a small Claims judge says and I will not stop. So ultimately they will pay out more than 300 pound they are trying to steal From me and on top of court fees solicitor fees they will have to pay the ombudsman £750 you won’t scam me and get away with it. Case reference number: 1086086 Refund me

Reviews with attachments

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Mark B Meehan VIC 3mo  VerifiedVoteMore

Using App To Pay For A SSD Order For Xmas Total I Pay $186 Very Good App As Long As I Can Add Debit Card To App I Used AfterPay I Shut It Down Two Years Ago

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Nicholas W. 18 posts 1yVoteMore

STAY AWAY – A clown called Alex contacted me to earn a few bucks by " popularising" the website. It's a con, he's a bull$it artist. A very amateur Ponzi scheme relying on your goodwill. He's condescending, rude and totally inept at explaining anything. I hope they fire this jerk. Below is his username.

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Savage 1y  VerifiedVote (2)More

KLARNA WILL ROB YOU!!!! – KLARNA WILL ROB YOU‼️‼️‍♀️ I made a purchase at Wal Mart and then made a return because I didn't need the item. Walmart the refunded the money but Klarna continued to take the payments out for it. Even though it showed that Walmart refunded it. I used the same card for over 2 years. Like a physical card, not the one time use card. It showed some… Read more

kind of error on their end saying they couldn't find the original payment method that's was used for the purchase. I did a dispute where they wanted my to give evidence for something they already evidence for. They paused payments and now resume them. The payment was for $43. They got their $43 payment back from Walmart and they will now get another $43 when my payment plan is done. I will not be using them after they finish robbing me for the extra $43. I've moved to after pay

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Lee G. 2yVote (2)More

Klarna's Predatory Credit Card Practices – I recently had a troubling experience with Klarna's payment services while trying to book a stay through Airbnb. Usually, I use PayPal for such transactions, but this time, Klarna was the only option available for a pay-over-4-weeks plan. Despite my high credit score in the 700s, my application for the pay-now-and-later option was automatically… Read more

declined. As a result, I was left with no choice but to use Klarna's credit line, which felt quite coercive.

Seeking clarification, I reached out to Klarna's customer service. The representative confirmed that the decision was "automated." When I expressed my concern that this practice seemed predatory, the representative said, "Yes, you are correct."

This experience has left me feeling manipulated and frustrated. Klarna's tactics not only lack transparency but also seem to pressure customers into using their credit products unnecessarily. I hope this feedback will be taken seriously and lead to more ethical business practices in the future.

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Latest follow-ups

Shizuka ACT 19 posts 3moVote (1)More

Klarna took over my previous loyalty card app so I ended up with it. It seems to access wifi everytime I try to open it. Takes ages to work out I'm offline before it gets to show me my list of cards. End up standing at the shop checkouts for ages.… Read more

Then they need to update, so I can't even access the cards at the checkout. No worth it, there are much simpler loyalty card apps that opens instantly.

 Follow-up 2mo · In response to further questions, I did not miss anything Klarna offered. Klarna took a loooong time to switch over to offline access each time. I am now using Card Store app which is simple, opens and works instantly with no need to access wifi for it to work.

Previousdeferit4.6 Gimmie3.7 NAB Buy Now Pay Later3.8 Property Credit5.0 Wagepay4.7 NextCompare best Buy Now, Pay Later Services Ray colon 5moVoteMore

Purchased a drone that was never received, proved to them it was never recieved am yet to get a refund. Terrible customer service when you call them. Apparently they needed my money more then I did

 Follow-up 4mo · Still no refund and get nothing but excuses. Worse processor ever.never again.

Positive reviews

carmen c. 9moVoteMore

Will never use this service again. After missing a payment to having fees put on I rang to let them know I’m willing to put pay $299 in payment plan from hardship. The lady was rude, ignorant then told me I can’t do part payment for hardship but only paying the whole thing for hardship? What kind of hardship is this !?!?!?! Makes no sense

SMA QLD 9 posts 11moVoteMore

l have been with Kalana now for a long time and am never disappointed. A great way to purchase items abd payoff in instalments. l am able to budget and pay with the app easily and with transparency. The customer service is outstanding and are there to assist with care and support provided when needed. Thank you Kalana

Beki L. WA 2yVoteMore

No issues – I've never had a problem with klarna, I appreciate that they are more responsible with lending, not giving too much access like afterpay does .. have only had positive experiences since using them for about 1year now

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Negative reviews

Denise F. TAS 4 posts 3moVoteMore

Klarna took over my previous Loyalty Card app, Stocard. Since then it has been pushing credit offers on me using very predatory behaviour. I never wanted the app to use as a method of payment, for me it was a digital wallet to store my rewards card. The interface seems to shuffle round often, making it hard to just quickly open a loyalty card to… Read more

swipe. In the last 7 days, one of my cards has disappeared completely, and their helpdesk were worse than useless and it was a giant waste of time. I'm moving my cards to Supercard, so much easier to use and without the constant challenges.

Sutton N. 3moVoteMore

DO NOT USE KLARNA!! There are other options who use the correct regulations like Affirm or Afterpay. I used Klarna just to see what the process would be because I’m in sales and we offer Klarna as an option for financing. The process was pretty simple but I’m telling everyone and anyone DO NOT USE KLARNA!! They offer financing to illegitimate… Read more

companies/merchants. I did not receive any invoices for my purchase nor did I receive my purchase. When I tried to work with Klarna they told me 2 separate times that they would take care of the dispute. Only for them in the end to tell me some merchants will sell items and close their business. But I’m still responsible for the item that I did not receive! And after…reading the reviews for Klarna I learned this is common. I imagine it’s a Swedish company and they set their platform up to steal from other countries like the US. DO NOT USE KLARNA!

gotitnow60 4mo  VerifiedVoteMore

MAJOR Problem. Klarna’s ONLY step to take action to resolve Klarna’s billing error. Klarna TOOK FUNDS from MY BANK ACCOUNT for their billing error. Their ONLY offer to resolve refunding me what is owed is for me to take a screenshot of my bank account transactions since their error. THIS IS VERY WRONG. My bank account is NONE OF KLARNA’s business. They took, they still owe. It is that simple.

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Recent reviews

Joanne 7 posts 5moVoteMore

Have list my goods in transit and you can't get anyone to help yet they keep in charging me. Terrible shops to choose from because mist stores use afterpay and not them. Dint sign up with at all. They add a late fee if you forget straight away. Terribly run company.

PreviousWagepay4.7 Zip Pay4.3 deferit4.6 Gimmie3.7 NAB Buy Now Pay Later3.8 NextCompare best Buy Now, Pay Later Services Richard 6moVote (1)More

This app is absolutely crap. Stocard was simple and didn't demand additional personal data. Screw you klarna, give me my card details back without me having to provide more details of login, otherwise we'll see what Consumer Protection has to say.

Mark O. 2 posts 6moVote (2)More

Wow aye approve everything till you get to checkout or get there so called card, then denied on spot, would be good to know b4 you get to check-out your balance instead of applying in front of people and embarrassing future clients , or ya's simply don't care

Adriene H. 6moVote (1)More

After applying for and verifying my identify so many ways this company exploited my account information and charged my account TWICE for a pay in 4 that was never completed! I called Klarna and explained the concept of unjust enrichment as they held onto nearly $400 in cash so that I could not have any of the materials I ordered in time for the… Read more

contractor I hired to complete his services. Now I am going to lose money as I wait for my bank to determine if they can refund any portion of my money by Monday and it may be too late to order the materials my contractor needs. I am disgusted with this "Hold" that they place in a unilateral manner, and can sincerely say that this is a sleezy company to do business with. Stay with other services that are dependable such as PayPal. Klarna takes money out of the accounts of their customers and enjoys the interest they earn pending refund. I am so sorry I took a chance on them. Lesson learned.

Kerrilyne T. 6 posts 7moVoteMore

I’d give it zero if I could. Absolutely appalling customer service and the quality of service. I used it through Air BnB and it didn’t work yet took my money. I wouldn’t trust it as far as I could throw it. Untrustworthy

Diamondrensu A. NSW 7moVoteMore

Sneak business conduct. They are holding our money for nearly 2 months now because they needed to do a review on our account, despite having set up the account with all the correct paperwork. We submitted the new paperwork (same as the old paperwork) and over a month later, they are still holding our money saying that the team handling the case… Read more

haven't got to it yet. Seriously what kind of business can work this way?? Very unscrupulous conduct. And seemingly a law unto themselves. Who regulates these companies??

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Compare all Steph NSW 7 posts 7mo  VerifiedVoteMore

This company Klarna sided, with a beauty business who kept nearly $500 for a course not described as advertised - As per Accc guidelines, I requested a refund - I sent all the evidence , I had not even started the course. I had only looked at the first 2% and knew that the course was not as described. and they still declined. Will never use klarna again!

John Ferkey 8moVoteMore

Terrible, you play a guessing game with no certainty if they will let you buy from a retailer from one day to the next, and if you attempt to use Klarna from a big retailer they write down the bottom "you cant use Klarna on this website, buy from a partner first and then come back", its nonsense, i cancelled my order from their "partner" and deleted my klarna account, don't waste your time, go to Afterpay or save your own money

Ian F 2 posts 9moVoteMore

Stocard was great - reliable and worked on my apple watch as well. This is inconvenient to say the least. If you're going to buy out a perfectly good app - MAKE SURE YOU CAN DELIVER AT LEAST ALL OF THE SAME FUNCTIONALITY!! I've change over to SuperCards - easy to import your cards from Klarna and it's even better than Stocard was.

Jan T. NSW 2 posts 9moVoteMore

After finishing a shop at woolies I opened the Klarna app and couldn’t use my reward card I had to log in, which I previously didn’t need to do, so I missed getting points and when I did do a “log in” it said it was going to SHARE MY INFORMATION no choice there !!! The app is not user friendly! Are they going to change? We’ll have no choice as most of us have thrown away our cards. Very annoyed!!! Stocked was easy to use Jan T

Barry S SA 50 posts 9moVote (1)More

All I want is an simple app to store my loyalty cards. Like a majority of other reviews I was migrated over from Stocard, which fortunately I had become aware before its demise. What a useless piece of technology! Its clunky, it's slow, it just does not do what I want it to do! Then out of the blue it wants me to login, just to access the wallet....Well it's gone now, replaced by Supercards, which to date does the job I want it to.

PreviousZip Pay4.3 deferit4.6 Gimmie3.7 NAB Buy Now Pay Later3.8 Property Credit5.0 NextCompare best Buy Now, Pay Later Services Tans WA 2 posts 9moVoteMore

Zero stars. I have no interest or need in borrowing money. Frankly pay day loans should be BANNED. I was forced to move my reward cards over to this company, Klarna, from Stocard as clearly Klarna bought it. All the crap to go through to register because most cards I no longer have, then try to scan my Woolworths card and guess what. It doesn't… Read more

scan. Klarna wants me to enter the card number, which I don't have, because the details were stored on Stocard which Klarna bought.half an hour wasted. Furthermore, less than half of my reward cards transferred anyway. Do better. Why did you buy a reward card app. Dumb!

Viki P. 4 posts 9moVoteMore

A terrible app, please get your crap together. I shouldn’t have to enter codes and sign up and do other crap while I need a card at quick access while needing to pay.

Njbc QLD 8 posts 10moVoteMore

Klarna’s buyer protection is a farce. They allow scamming companies to utilise their service (MIFO). Despite all of the proof I have provided in a timely manner they still have not refunded my money in 3 months.

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