Ensure your UK marketing complies with Klarna’s legal guidelines by using clear, responsible messaging, adhering to FRN and T&Cs, and avoiding language that could promote irresponsible borrowing.
Important: Update to Klarna’s Firm Reference Number
Klarna Financial Services UK Ltd is now authorised by the FCA as an Electronic Money Institution (EMI) under FRN 1021834, replacing our previous FRN 987816.
To remain compliant please ensure you update all FRN references in all consumer-facing touchpoints - including websites, social content, checkout messaging, and legal disclosures.
For Klarna’s UK specific Terms and Conditions please visit: https://www.klarna.com/uk/terms-and-conditions/
Keep it simple.
Don’t lose a customer because the payment instructions were too complicated, but do make it clear what you are offering.
Stand out for the right reason.
Highlight the payment option you offer, but be sure to be clear, fair and not misleading.
Be sensitive to the situation.
Consider what is going with your customers and in the wider market as a whole. Use this knowledge to decide how you promote and market Klarna in all your channels. One message does not fit all circumstances.
Don't encourage debt.
Do not encourage shoppers to spend outside of their means. Using phrases such as ‘strapped for cash?’, ‘don’t wait until payday’ or ‘broke AF’ are unacceptable and irresponsible. You have an obligation to ensure your customers stay financially healthy.
Make sure your ads are socially responsible to consumers and society.
Offers or benefits should not be linked to credit marketing which are likely to make the credit offer attractive.
Klarna may review and monitor your advertising and marketing of Klarna's products and services, including through automated means, to ensure your marketing complies with applicable laws, rules, and regulations.