Receive Klarna verification SMS online

What Klarna is

Pay later, pay in instalments and financing — credit in your name

Sign-in

Phone number or email, confirmed with a one-time code

Before lending

Identity and credit checks, which vary by country and product

Reminders

Payment due dates and confirmations sent to your contact details

Missed payments

Fees and, in many countries, reporting to credit agencies

Markets

Available in a defined set of countries, with different products in each

Klarna is credit, so the account has to be you

The checkout button makes it feel like a payment method, but "pay in 3", "pay in 30 days" and longer financing are all forms of credit. Klarna pays the shop and you owe Klarna. Before it does that, it checks who you are, and depending on the country and the product it may run a credit check that leaves a record.

None of that is attached to a phone line. The debt, the credit record and the obligation to pay sit with the person, which is why a Klarna account opened on a number you will not hold next month is a poor fit for anything beyond looking around.

People most often use one of our numbers for Klarna to:

• Looking around the Klarna app before deciding to use it
• Checking what the app offers in a country before moving there
• Keeping a personal number private while you decide

Many apps expect the number you keep. We help with the cases above; we do not help anyone reach an account that is not theirs — see our acceptable use policy.

What the phone number does on Klarna

The Klarna app signs you in with a phone number or an email address and a one-time code. Purchases can be confirmed with a code as well, and Klarna sends reminders before payments are due and confirmations after they are taken. When something about the account changes, the security codes go to the contact details on file.

Each of those is a message you need to receive for as long as a purchase is being paid off. A four-payment plan runs for weeks; longer financing runs for months or years.

What happens if the number disappears mid-plan

If the number on a Klarna account stops working while a plan is open, the debt does not stop. Automatic collections continue from the saved card, and if one fails, reminders go to a number nobody reads. Missed payments can bring late fees and, in many countries, a note with credit agencies that follows you long after the purchase.

Recovering the account without the number means proving your identity to Klarna by other means, at exactly the moment a payment may be overdue. That is the scenario to avoid, and it is avoided by using a number you will keep.

The narrow case where a rented number fits

Some people want to see how the Klarna app works — its shopping browser, price alerts or what a financing offer might look like — before deciding whether to hand over their personal number. For browsing without buying, a rented number keeps the personal line out until you decide.

The moment you are about to buy, switch the account to your own number in settings, or open a fresh account on it. It is better to do that before the first purchase than to discover during a plan that reminders are going nowhere.

Codes at a shop's checkout

When you choose Klarna at a web shop, Klarna may ask for your email and phone number and send a code to confirm it is you. That code authorises a purchase on your credit. It is not a shop's code, not a delivery code and not something a "support agent" needs.

The common scam here is a call or message that claims to be from a shop or from Klarna and asks you to read out a code to "cancel an order" or "stop a fraud". The code does the opposite: it lets the caller complete a purchase that you will be asked to pay for.

Different countries, different Klarna

Klarna operates in a defined set of countries, and the products differ between them: which instalment options exist, whether longer financing is offered, how credit checks work and which regulator oversees it. Your account is tied to the country where it was opened, including the phone number and address it expects.

Installing Klarna and verifying the number

When the code does not arrive

In order of how often each one is the real cause:

1. No code arrived
   Check the country code and that the number is from a country where Klarna operates, then wait before requesting again.
2. Klarna declined a purchase
   Klarna decides case by case using its own checks. A new or rarely used account, a mismatch between details, or the amount can all lead to a decline.
3. A payment reminder never arrived
   Reminders go to the contact details on file. If that is a rented number that has ended, update it now and check the app for due dates.
4. Someone called asking for your Klarna code
   Hang up. The code confirms purchases on your credit; nobody legitimate needs it.
5. You cannot sign in after changing phones
   Sign in with the email route if you added one, or contact Klarna customer service to verify your identity.
6. An old number is still on the account
   Change it in the app's profile settings; a code to the new number confirms it.

Working out which case you are in

1. Are you about to buy something with Klarna? Yes Use your own long-term number — the agreement and reminders last for the whole plan. No A rented number can cover exploring the app.
2. Is any plan currently open on the account? Yes Keep the contact details current until it is fully paid. No You can change details freely.
3. Has someone asked for a Klarna code? Yes Refuse and report; it lets them buy on your credit. No Carry on.
4. Is the number from the same country as the account? Yes Continue. No Use a number from that country.

Before you request another code

• Use your own number before making any Klarna purchase
• Keep phone and email current until every plan is paid
• Read reminders and pay on time to avoid fees and credit reporting
• Never share a Klarna code with a caller or a message
• Use a number from the same country as the account

Which kind of number to use

Checked 2026-09-28 by the FreeSmsOtp team. Prices, stock and delivery figures on this page are live and come from our own orders — how we measure.

Countries with Klarna numbers now

Refreshed every hour. How we measure delivery.

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Questions