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Shop now and pay later with Klarna

The ultimate online shopping experience that puts you in control. Shop for what you love and split the costs over 4 interest-free payments.

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What is Klarna?

Klarna, New Zealand's new shopping app allows you to easily shop at any online store where Visa is accepted. Shop now and split the cost in 4-interest-free payments and stay on top of your budget. Used by over 90 million shoppers worldwide, access special offers, manage your payments and sign up to Klarna faster using the ASB Mobile Banking app.

Shop now, pay later

Shop online and pay in 4 instalments using the Klarna app's one-time  card at any online store, or using your stored account details at the checkout with Klarna's partnered retailers. You'll make the first payment when your order is shipped, the rest in fortnightly instalments.

Discover a new shopping experience

With the Klarna app, you can create and share collections of your favourite items. Get early access to special offers, set price drop alerts and manage your online shopping orders, payments and returns - all in one place.

Take control of your spending

Klarna charges no fees or interest if you pay on time (standard ASB account fees and interest will apply where applicable). You also have the freedom and flexibility to pay off your account earlier. Report returns in the app and Klarna will also pause your purchases so you only pay for what you keep.

Signing up to Klarna

Signing up is faster using the ASB Mobile Banking app. We've worked with Klarna for you to securely connect your ASB Visa Debit or ASB Visa credit card to Klarna and you'll never need to update your card details again.

Get started with Klarna

What you need

You need to be 18 or over to shop with Klarna. 

ASB Customers will need an eligible ASB Personal or business ASB Visa Debit or ASB Visa credit card.

Here's how

If you don't bank with us, you can open an account and apply for an ASB Visa Debit or ASB Visa credit card or explore our Business accounts and credit cards.

Make sure an up-to-date mobile number is link to your ASB account.

Create a Klarna account in the ASB Mobile Banking App

You'll be directed through to verify your information with Klarna to start shopping. Klarna may do a credit check when you make a purchase.

Step 1

Step 1

Open and log into the ASB Mobile Banking App

Step 2

Step 2

Select ...More at bottom of the screen

Step 3

Step 3

Select Cards and Devices and the card you want to connect

Step 4

Step 4

Select Connect to Klarna and follow the steps

Paying with Klarna's one-time card

  • Shop at any online store via the Klarna app and at checkout, select 'Pay with K'
  • Follow the steps to create a digital one-time card that allows you to pay in 4 instalments
  • Klarna will send you an email confirming your purchase
  • View and manage all your orders in Klarna's app

Frequently asked questions

ASB Bank Limited lending criteria, terms, fees, and Credit Card Conditions of Use apply. Visa Debit card Conditions of Use and Personal Banking Terms and Conditions apply. You will need to link your Visa Debit card to an eligible ASB account. Fees, service charges and overseas transaction charges may apply. Minimum spend applies when using Klarna. You can read Klarna's terms and conditions here.

As this information has been prepared without considering your objectives, financial situation or needs, you should, before acting on this information, consider its appropriateness to your circumstances.