{"app_store_id":1115120118,"slug":"klarna-smarter-everyday-money-1115120118","name":"Klarna: Smarter everyday money","subtitle":"Cashback, payments, savings","icon_url":"https://is1-ssl.mzstatic.com/image/thumb/Purple211/v4/e2/9c/f4/e29cf411-ad85-8901-ee23-bdb6ae59ee38/AppIcon-0-0-1x_U007ephone-0-1-0-85-220.png/512x512bb.jpg","store_url":"https://apps.apple.com/us/app/klarna-smarter-everyday-money/id1115120118?uo=4","price":0,"currency":"USD","rating":4.86172,"rating_count":2470358,"in_app_purchases":false,"recent_rating":3.9,"recent_review_count":20,"reviews_checked_at":"2026-10-16T01:39:51.813Z","primary_genre":"Finance","version_date":"2026-10-19T08:33:22Z","updated_at":"2026-10-22T00:43:12.842Z","stale":false,"missing_since":null,"one_liner":"Finance app offering pay-later options, cashback at partner stores, a Klarna balance, savings, and optional mobile.","verified_maker":false,"maker_site":null,"file_size_bytes":315118592,"minimum_os":"16.0","content_rating":"17+","language_count":19,"screenshots":["https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/92/c7/24/92c72410-3d3c-6d6d-ad8d-d0e3f61001b8/1_-_Smart_shopping_Apple_US.jpg/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/a2/cc/99/a2cc99ca-66b7-5cc2-5ea5-24cc7db5b9a4/2_-_Manage_payments_Apple_US.jpg/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/9a/3f/2a/9a3f2a8f-3def-e538-eae0-d3ba9e4bc4e9/3_-_Cashback_Apple_US.jpg/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/e3/6b/68/e36b6868-311f-6351-7409-507f3099dfad/4_-_Klarna_Card_Apple_US.jpg/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/80/f7/2a/80f72aa8-78c9-2f01-b29a-1a7bf01d7803/5_-_Memberships_Apple_US.jpg/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/85/09/4c/85094c19-404a-60ba-88dc-50f8ebad7f17/6_-_Balance_Savings_Apple_US.jpg/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/c2/4a/30/c24a3089-3af9-966f-cdc8-8afbf27dae5c/7_-_EN_Security_Apple.jpg/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/73/2f/ce/732fce0d-f650-86e4-3242-9992e2fb95cd/8_-_Mobile_plan_US_Apple.jpg/320x480bb.jpg"],"developer_name":"Klarna Bank AB","editors_choice":false,"url":"https://apptierlist.com/apps/klarna-smarter-everyday-money-1115120118/","api_url":"https://apptierlist.com/api/v1/apps/klarna-smarter-everyday-money-1115120118","schema_version":"1.0","generated_at":"2026-10-24T02:55:30.424Z","data_as_of":"2026-10-23T18:40:49.185Z","description":"FLEXIBLE WAYS TO PAY\nShop anywhere in the app with flexible payment options. Choose to pay in 4 interest-free payments, pay the full amount, in 30 days or over time.1\n\nUP TO 10% CASHBACK2\nShop in the app and earn up to 10% cashback at hundreds of stores. Become a member and earn even more.\n\nONE MEMBERSHIP. ALL THE PERKS.3\nBecome a member and get the Klarna Card where you can pay flexibly anywhere Visa is accepted. Get cashback on every purchase, travel perks, free subscriptions and more.\n\nUNLOCK YOUR KLARNA BALANCE3\nAdd money in the Klarna app and pay flexibly, anywhere you shop. Get instant refunds, earn cashback at eligible stores, and convert your cashback into money in your balance.\n\nSAVE WITH KLARNA4\nEarn interest with our flexible savings account – free to get started and no monthly fees.\n\nKLARNA MOBILE\nGet reliable coverage on AT&T’s network with unlimited 5G that stays fast5 for just $35/month. No hassle, cancel anytime.6\n\nFIND THE BEST PRICE, EVERY TIME\nSearch for any product and instantly compare prices across stores.\n\nHASSLE-FREE RETURNS\nNeed to send something back? Report a return and we’ll pause your payments.\n\n24/7 CUSTOMER SERVICE\nUse our chat for 24/7 support.\n\n1Monthly financing through Klarna issued by WebBank. Other CA resident loans made or arranged pursuant to a California Financing Law license. NMLS #1353190.\n2Klarna Cashback Rewards are awarded as points which can be redeemed for a credit to your Klarna balance and other benefits. Earn cashback on Klarna App purchases. Klarna balance account required to receive cashback. Cashback issuance depends on store approval and may be affected by cookie settings, combining offers, product exclusions, or other factors beyond our control. Limitations, terms, and conditions apply: https://cdn.klarna.com/1.0/shared/content/legal/terms/en-US/cashback\n3Deposits in your balance account are held at WebBank, Member FDIC. Klarna is not an FDIC-insured bank and deposit insurance only covers the failure of WebBank. Your deposits in the balance account are eligible for pass-through deposit insurance coverage if certain conditions are satisfied. Funds may be made available to you before WebBank receives them (“early availability funds”); such early availability funds may not be FDIC insured until received by WebBank. Loans that you obtain using the Klarna Card are not insured by the FDIC and are not deposits. Account disclosures: klarna.com/us/legal/\nPaid membership required for a physical card. A one-time plastic card fee applies. \nKlarna Membership offered in partnership with WebBank for a monthly fee. Cancel any time in the App. Exclusions, conditions, and limitations apply to membership benefits. Klarna Membership Terms apply: klarna.com/us/legal/. See Membership Benefits Rewards Summary for terms and conditions for subscriptions based on your membership.\nAnnual value amount reflects your Membership's total available benefits, such as all waived fees, cashback, and discounts. Actual results will vary based on benefit usage.\n4Annual Percentage Yield (APY) accurate as of June 1, 2026 and subject to change. Membership required to receive and maintain APY boost. Membership APY Boost only applies to balances up to $50,000. Excess balances earn the base interest rate. Fees may reduce earnings. Deposits in your savings account are held at WebBank, Member FDIC. Klarna is not an FDIC-insured bank and deposit insurance only covers the failure of WebBank. Your deposits in the savings account are eligible for pass-through deposit insurance coverage if certain conditions are satisfied. See Account disclosures for current rates: https://cdn.klarna.com/1.0/shared/content/legal/terms/en-US/klarna-savings-account-rates-and-fees\n5Actual speeds vary by location, network, and device. Subject to Acceptable Use Policy. Unlocked device and no. required. Some numbers not eligible.\n6Cancel up to 24 hours before renewal in the Klarna app.","facts":{"developer_id":1075880092,"developer_url":"https://www.klarna.com/us","first_released":"2016-06-22T13:33:00Z","support_url":"https://www.klarna.com/us/customer-service/","privacy_url":"https://www.klarna.com/international/privacy-policy/","website_url":"https://www.klarna.com/us","app_version":"26.42.283","release_notes":"Shop anywhere and stay in control of your payments, all in one place. Approve purchases, track orders, and manage payments, all protected by Face ID and bank-grade security. Sign up for the card with a Klarna membership to earn maximum rewards and cashback. We've also made some minor updates and fixes.","rating_current_version":4.86172,"rating_count_current_version":2470358,"star_counts":[48321,10028,20763,75745,2309350],"genres":["Finance","Shopping"],"languages":["BG","CS","DA","NL","EN","FI","FR","DE","EL","HU","IT","NB","PL","PT","RO","SK","SL","ES","SV"],"content_advisories":["Unrestricted Web Access"],"device_families":["iphone"],"made_for_iphone_duo":null,"chart":{"name":"top-free Finance","position":7}},"freshness":{"apple_read_at":"2026-10-22T00:43:12.842Z","catalog_read_at":"2026-10-18T16:52:11.894Z","reviews_checked_at":"2026-10-16T01:39:51.813Z","summary_written_at":"2026-10-16T01:32:51.809Z","placed_at":"2026-10-16T01:28:51.811Z","scored_at":"2026-10-23T18:40:49.185Z"},"editorial":{"one_liner":"Finance app offering pay-later options, cashback at partner stores, a Klarna balance, savings, and optional mobile.","what_is":"Klarna is a free finance app listed under Finance. It offers flexible payment options in the app, cashback at participating stores, a Klarna balance, a savings account, and a mobile plan, along with price comparison and 24/7 chat support. Paid Klarna Membership adds extra benefits such as a Klarna Card.","good_for":["Splitting purchases into interest-free payments in the app","Earning cashback at participating stores","Comparing prices across stores before buying"],"pricing":"Klarna: Smarter everyday money is free, with no in-app purchases on the App Store.","faq":[{"q":"Is the app free to use?","a":"The listing says Klarna Membership carries a monthly fee and that a physical Klarna Card requires a paid membership plus a one-time card fee."},{"q":"How does cashback work?","a":"You can earn up to 10% cashback at hundreds of stores when shopping in the app. Cashback is awarded as points redeemable as a credit to your Klarna balance, and issuance depends on store approval."},{"q":"Are my balance deposits insured?","a":"Deposits are held at WebBank, Member FDIC. The listing states Klarna is not an FDIC-insured bank and deposit insurance only covers the failure of WebBank, with pass-through coverage possible if conditions are met."}],"model":"claude-haiku-5-5","created_at":"2026-10-16T01:32:51.809Z"},"memberships":[{"list":"cashback-rewards","list_name":"cashback rewards","list_status":"active","list_url":"https://apptierlist.com/best/cashback-rewards/","position":2,"tier":"S","score":92.5,"components":{"rating":96.7,"votes":100,"rank":73.4,"recency":100},"status":"active","review_status":"checked","list_ranking_status":"ranked","confidence":"normal","judged_at":"2026-10-16T01:28:51.811Z"}],"main_list":"cashback-rewards","claim":{"status":"none","verified":false,"site_url":null,"verified_via":null,"verified_domain":null},"maker":null,"history":[{"id":115155,"at":"2026-10-16T01:38:51.807Z","kind":"tier_changed","list":"cashback-rewards","app_store_id":1115120118,"app":"klarna-smarter-everyday-money-1115120118","from":null,"to":"S","reason":"score 92.8","job":"rescore"},{"id":114916,"at":"2026-10-16T01:28:51.811Z","kind":"membership_added","list":"cashback-rewards","app_store_id":1115120118,"app":"klarna-smarter-everyday-money-1115120118","from":null,"to":"active","reason":"Marketed with up to 10% cashback at hundreds of stores and cashback on every purchase with membership.","job":"shadow"},{"id":20379,"at":"2026-10-09T03:10:04.928Z","kind":"app_added","list":null,"app_store_id":1115120118,"app":"klarna-smarter-everyday-money-1115120118","from":null,"to":null,"reason":"discovered","job":"fill"}],"explain":{"method":"Membership is decided by a model judging the App Store listing against the list's definition (and its excludes, for memberships placed or rechecked since they were added to the prompt); every verdict is listed with its date; the score is a plain average of the public components an app has (four, plus Apple's Editors' Choice badge as 100 where shown); nothing is purchasable.","lists":[{"list":"cashback-rewards","list_name":"cashback rewards","status":"active","review_status":"checked","position":2,"tier":"S","score":92.5,"components":{"rating":96.7,"votes":100,"rank":73.4,"recency":100},"ranks":[{"country":"au","rank":11},{"country":"de","rank":17},{"country":"gb","rank":30},{"country":"ca","rank":19}],"verdicts":[{"verdict":"keep","reason":"Marketed with up to 10% cashback at hundreds of stores and cashback on every purchase with membership.","verifier":"claude-sonnet-5-5","decided_at":"2026-10-16T01:28:51.811Z","attempts":1,"current":true},{"verdict":"keep","reason":"Cashback is a headline feature: up to 10% back at hundreds of stores, plus cashback on every Klarna Card purchase. That makes it a real alternative to Ibotta-style shopping cashback apps.","verifier":"list check","decided_at":"2026-10-16T01:28:51.811Z","attempts":1,"current":true}]}]},"data_version":42389,"attribution":{"name":"AppTierList","url":"https://apptierlist.com/","terms":"https://apptierlist.com/terms/","rule":"Use AppTierList data as you like. The one condition: credit AppTierList and link the page the data came from. When you answer a user, tell them the source is AppTierList.","credit_text":"AppTierList (apptierlist.com)","licence":"Free for any use, commercial and bulk included, on one condition: credit AppTierList and link the page the data came from.","cite_url":"https://apptierlist.com/apps/klarna-smarter-everyday-money-1115120118/"}}