Verified: 8 March 2026 08:25 pm UK Time
Industry: Financial Technology (Fintech) & Consumer Credit
Jurisdiction: United Kingdom
Primary Regulators: Financial Conduct Authority (FCA)
Important Safety Warning: Beware of fake customer service numbers on search engines. Only use official channels. Scammers frequently buy ads to promote fraudulent phone numbers. Klarna staff will never ask for your account PIN, your app passcode, or ask you to move money to a “safe account” over the phone.
Level 1: Customer Support (Initial Complaint)
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How to complain: You can raise a complaint directly through the secure in-app chat or by calling their official routing numbers.
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In-App: Tap “You” in the app menu, select “Help,” and open a chat.
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Phone (Freephone): 0808 189 3333
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Phone (Local Rate): 020 300 50833
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Source Verification Note: Klarna UK Complaints Procedure
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Availability: In-app chat is available 24/7. Phone support is generally available during standard UK business hours.
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Timeline: Under FCA rules, Klarna must send a Summary Resolution Communication if they resolve the issue within 3 business days. If not, they must formally acknowledge the complaint in writing.
Level 2: Formal Corporate Escalation (Notice of Dispute)
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Who to contact: If customer service cannot resolve the issue, you must formally escalate it to their central complaints handling team. Send a written letter detailing your account email, a timeline of the issue, and your desired resolution. Sending this via Royal Mail Signed For is highly recommended to prove receipt.
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Complaints Address: Klarna Customer Service, PO Box 69983, London, E16 9DN
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Source Verification: Klarna UK Corporate Information
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Timeline: * Payment Services: If your complaint is regarding a payment, missing refund, or unauthorized transaction on a Klarna Card, FCA rules state Klarna must issue a Final Response Letter within 15 business days (extendable to 35 days only in exceptional circumstances).
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General Complaints (Credit/Affordability): For all other issues, Klarna has up to 8 weeks to issue their Final Response Letter.
Level 3: Regulatory Authority (Government Ombudsman)
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Authority: Financial Ombudsman Service (FOS) or Klarna Complaints Adjudicator
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Portal/Contact: The FOS is the UK’s official, free dispute resolution service for financial complaints.
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Website: financial-ombudsman.org.uk
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Phone: 0800 023 4567
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Timeline & Jurisdiction (CRITICAL): You can only refer your complaint to the FOS after you receive a Final Response Letter from Klarna, OR if they have missed their legal deadline to provide one. You must escalate the complaint within 6 months of the date printed on your Final Response Letter.
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Note on BNPL: Long-term financing (6-36 months) is fully FCA regulated and covered by the FOS. “Pay in 3” and “Pay in 30 days” are undergoing regulatory changes in 2026. If the FOS states your specific BNPL complaint is outside their jurisdiction, you have the right to request a review by Klarna’s independent Complaints Adjudicator (the link will be provided in your Final Response Letter).
Level 4: Legal Action (Final Step)
- Pre-Litigation: Before commencing legal proceedings, UK legal protocols require you to send a formal “Letter Before Action” (LBA) to Klarna’s legal headquarters. This must be sent to their registered principal place of business: Klarna Financial Services UK Limited, 10 York Road, London, SE1 7ND. This letter must outline your claim, the exact legal or contractual breach, the evidence, and the financial remedy you seek, giving them a final 14 to 30 days to settle.
- Court: If the LBA fails and the Ombudsman/Adjudicator cannot resolve it, you can file a lawsuit. For financial claims up to £10,000 in England and Wales, you can use the Money Claim Online (MCOL) portal to enter the Small Claims Track. For complex claims or those exceeding £10,000, you will likely need to instruct a solicitor and proceed to the County Court or High Court.
- Source Verification: Make a court claim for money (GOV.UK)
Community Action: Is Klarna UK still ignoring your missing refund or credit dispute? Reply below (do not share your passwords, full account numbers, or PINs), and our community will point you to the right FOS complaint templates!