October 29, 2025, 10:42 am | Read time: 2 minutes
Klarna continues its evolution toward becoming a digital bank by introducing paid memberships. Customers will gain access to exclusive benefits such as cashback, travel services, and digital subscriptions.
The Swedish payment service provider, known for its instant and installment payment options in online retail, aims to strengthen its position in the financial sector with the new model. According to the company, two memberships will initially be offered: Klarna Premium and Klarna Max. Both plans will be gradually introduced in several markets, including Germany.
Klarna Premium and Max at a Glance
The Premium membership costs 17.99 euros per month and offers 0.5 percent cashback on all payments made with Klarna credit. It also includes worldwide travel insurance and a metal card in silver or black.
The Max package, priced at 44.99 euros per month, is designed for frequent travelers. It includes 1 percent cashback, extended travel, car rental, and cancellation insurance, as well as unlimited access to airport lounges worldwide through the LoungeKey Pass. Members also receive an exclusive metal card in rose gold. According to the company, both plans are said to offer “more than ten times their monthly value” in benefits.
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Digital Subscriptions and Travel Benefits Included
In addition to financial services, the memberships also include digital subscriptions. Depending on the market and plan, users can access content and services from partners such as BILD, WELT, Vogue, GQ, Headspace, Blinkist, ClassPass, The New York Times, or Viaplay.
Furthermore, members can directly use their accumulated cashback for travel. Klarna collaborates with airlines such as Air France-KLM, British Airways, United Airlines, and Turkish Airlines, as well as hotel groups like Accor, IHG Hotels & Resorts, Radisson, and Wyndham. The collected rewards can be converted into air miles or hotel stays.
Alternative to Traditional Credit Cards
With the new memberships, Klarna aims to create a modern and transparent alternative to premium credit cards. Instead of paying high annual fees or maxing out credit limits, users can enjoy benefits through a flexible monthly subscription. “We believe consumers shouldn’t have to take on expensive credit to access premium benefits,” says David Sandström, Chief Marketing Officer of Klarna.
The introduction of the new memberships will begin in the coming weeks in several countries. An expansion into the U.S. is also planned. Klarna will provide information about new partners and additional services directly in the app and through its own communication channels.