Close Klarna through the app or website in three steps
To close your Klarna account, open the Klarna app or go to klarna.com, sign in, and navigate to your account settings. Look for "Close account" or "Delete account" — the exact wording depends on whether you're using the app or website, but both options are in the settings menu. Klarna will ask you to confirm the closure and may ask why you're leaving, but you can skip that question.
Before you close the account, make sure you have no active payment plans. If you have an outstanding balance on any "buy now, pay later" purchase, you must pay it in full first. Klarna will not let you close the account while money is owed. Once the balance is zero and you confirm closure, your account is deleted — you can no longer log in, and Klarna stops showing new offers.
The closure is immediate on your end, but Klarna may take a few days to fully remove your data from their system. If you want to use Klarna again later, you can create a new account with the same email address.
Key Takeaways
- You must pay off any outstanding balance on active payment plans before Klarna will let you close the account.
- Account closure happens in the settings menu of the app or website and takes effect right away.
- Klarna may take several days to fully remove your account from their servers, but you cannot log in once you confirm closure.
- You can create a new Klarna account with the same email address if you decide to use the service again in the future.
What happens to your payment history after closure
Closing your Klarna account does not erase your payment history. Klarna keeps records of all transactions you completed while the account was active, and that history remains visible to credit bureaus and other lenders. If you made all your payments on time, that positive history stays on your credit report. If you missed payments or had late charges, that negative history also remains.
Your closed account will eventually age off your credit report — most negative marks fall off after seven years, and accounts in good standing may disappear sooner. Closing the account does not speed up this process or remove marks that are already reported.
Canceling a payment plan before closing your account
If you have an active payment plan that you want to cancel before closing your account, you can do that through the app or website. Go to "Purchases" or "Orders," find the specific purchase, and look for a "Cancel plan" or "Pay in full" option. You can pay the remaining balance all at once, which cancels the plan immediately.
If you cannot pay the full balance right now, contact Klarna customer service through the app or at their website. They can discuss options like a one-time payment arrangement or a modified payment schedule. Once all plans are canceled or paid off, you can proceed with closing the account.
Removing Klarna from your connected apps and services
Klarna integrates with shopping apps like Shopify stores, Amazon, and other retailers. Closing your Klarna account does not automatically disconnect it from these services. If you want to remove Klarna as a payment option from apps where you've connected it, you need to do that separately in each app's payment settings.
Go to the payment methods section in each app or service where you used Klarna, find Klarna in the list, and delete or remove it. This prevents the app from trying to use Klarna if you accidentally select it as a payment method in the future. It also stops Klarna from sending you offers through those integrated services.
What to do if you cannot access your account
If you've forgotten your password or cannot log in to Klarna, you can still close the account by contacting Klarna customer service. Use the "Forgot password" option on the login screen to reset your password, or reach out through the Klarna website's contact form or in-app chat. Explain that you want to close your account and cannot log in.
Klarna will verify your identity using information like your email address, phone number, or the last four digits of a card you used. Once verified, they can close the account for you without requiring you to log in. This process may take a few business days.
Handling refunds and credits after account closure
If you close your account and later realize you're owed a refund from a purchase, you can still request it. Refunds go back to the original payment method you used, not to a Klarna account that no longer exists. Contact Klarna with your order number and explain the situation — they can process the refund even though your account is closed.
If you had store credit or promotional balance in your Klarna account at the time of closure, that credit is lost. Use any promotional balance or store credit before you close the account if you want to preserve it.
Frequently Asked Questions
Does closing my Klarna account hurt my credit score?
Closing the account itself does not directly hurt your score, but it does remove an active account from your credit mix. If you had a long payment history with Klarna and always paid on time, closing it may cause a small temporary dip. The impact is usually minor and fades over time.
Can I close my account if I have a pending refund?
Yes, you can close your account even if a refund is processing. The refund will still go through to your original payment method once it's approved, regardless of whether your Klarna account is open or closed.
What if I want to use Klarna again after closing my account?
You can create a new Klarna account anytime using the same email address or a different one. Your old payment history will still be visible to credit bureaus, but you'll start fresh with a new account and no active payment plans.
Will closing my account stop Klarna from sending me emails?
Closing your account stops most marketing emails from Klarna. However, if you want to be completely sure, you can unsubscribe from their mailing list through the email footer or contact them directly to confirm your email is removed from all lists.
What if I owe money to Klarna after closing my account?
You cannot close your account while you owe money. If you somehow close it with an outstanding balance, Klarna will still pursue collection. Pay the full balance before closing, or contact customer service to set up a payment plan if you cannot pay it all at once.