Billing can often fade from our minds until an unexpected charge appears, perhaps from an automatic subscription renewal. This guide provides a clear overview of how refunds work with Klarna Bank AB (publ), detailing who is eligible for a reimbursement and outlining the straightforward steps you can take to request your money back efficiently. Whether you're new to Klarna or just need a refresher, we’re here to help you navigate the refund process with ease.
What You Should Prepare Before Applying For Refund
Order Number: Find your unique order number associated with the transaction for which you are requesting a refund.
Transaction ID: Gather the specific transaction ID provided in your Klarna confirmation email or app receipt.
Proof of Purchase: Ensure you have a copy of your proof of purchase, such as an invoice or receipt, which should detail the items bought.
Payment Method Details: Note the payment method used (credit card, bank transfer, etc.) as Klarna may need this for processing the refund.
Reason for Refund: Prepare a clear explanation of why you are requesting the refund, mentioning any specific issues with the product or service.
Account Information: Be ready to provide your account details linked to Klarna, including your email address and phone number, for verification purposes.
Contact Information: Make sure your current contact information is available in case Klarna needs to reach you.
Return Shipping Information: If applicable, check if you have any tracking information for returned items to submit alongside your refund request.
How Long Does it Take to Get a Refund?
Payment method
How long it takes*
Klarna Pay Later
3-5 working days
Klarna Instore
3-10 working days
Klarna Pay in 4
4-6 working days
Credit/Debit Card
5-10 working days
*Working days are Monday to Friday, and don't include public holidays.
What are my Rights? Am I eligible for a Refund from Klarna Bank AB (publ)
Klarna Bank AB (publ) offers a variety of financial services, including payment solutions for online purchases. Users may have certain rights regarding refunds based on their interactions and transactions through the platform. It is essential to understand the specific scenarios in which users might be eligible for refunds, as these scenarios are tailored to the services Klarna provides.
Refund eligibility is typically influenced by several factors associated with users' transactions, payment methods, and service agreements. Here are some specific situations where users may qualify for a refund:
Order Cancellations: If a user cancels an order before it is shipped, it might qualify for a refund based on the merchant's return policy and Klarna’s processing guidelines.
Returned Items: Users who return items in accordance with the merchant’s return policy, within a specified time frame, may be eligible for a refund.
Service Issues: If a user experiences an issue with a service that was paid for through Klarna, such as a digital subscription being unavailable, they might be able to request a refund depending on the terms of service.
Partial Fulfillment: In cases where only part of a user's order is fulfilled or delivered, the user may qualify for a refund for the undelivered portion in accordance with the refund policy of the merchant.
Product Defects: If products are defective or not as described, users might be eligible for a refund, following the return process outlined by the merchant.
Understanding these specific situations can help users navigate their rights with Klarna Bank AB (publ) effectively, ensuring they are aware of scenarios where they may be able to apply for a refund.
Step-by-Step Process to Request Your Klarna Bank AB (publ) Refund Like a Pro
If you purchased through Klarna Bank AB (publ):
Visit coeoinkasso.ch and log into your account.
Navigate to the "My Subscriptions" section.
Locate the specific membership or subscription for which you want to request a refund.
Click on "Request Refund" next to the subscription.
In the request form, fill in the necessary details. Remember to mention that the subscription renewed without prior notice.
Complete any additional fields required and submit the request.
Check your email for a confirmation of your refund request.
Allow up to 10 business days for processing and follow up if you do not receive a response.
If you purchased through Apple:
Open the Settings app on your device.
Tap your Apple ID at the top of the screen.
Select Subscriptions from the menu.
Find and select the appropriate subscription you wish to refund.
Choose the option for "Report a Problem" and select "I want a refund" from the dropdown.
State your reason for the refund request, emphasizing that the account has been unused or that the subscription renewed unexpectedly.
Submit your request. You should receive an email confirmation and a follow-up within a few days.
If you purchased through Google Play:
Open the Google Play Store app on your device.
Tap the Menu icon (three horizontal lines) in the top-left corner.
Select Account, then tap on Purchase History.
Find the transaction related to your subscription or membership.
Tap on the order and choose **
Disclaimer
Chargeback is an independent consumer resource that provides educational information to help users understand how to cancel, manage, or request refunds for various subscriptions. We are not affiliated with, endorsed by, or sponsored by any of the companies mentioned on this site. All trademarks, logos, and brand names are the property of their respective owners.
The information we provide is based on publicly available sources and user reports and may contain inaccuracies or become outdated over time. Our guides are intended for general informational purposes only and should not be relied upon as official company instructions or legal advice.
Consumers are solely responsible for reviewing their own contracts, terms of service, and refund or cancellation obligations before taking any action. Nothing on this site should be interpreted as legal, financial, or contractual guidance.
Chargeback does not encourage or condone disputing valid charges, misrepresenting transactions, or taking any action that could violate a company's terms, service agreement, or applicable laws. We promote fair, transparent, and lawful communication between consumers and businesses.
Get help with your refund
"This app saved me $127 in minutes"
Draft email to Klarna Bank AB (publ) for Refund
Script
Copy
Subject: Refund Request – Klarna Bank AB (publ) Account [Your Email]
Dear Klarna Customer Service,
I hope this message finds you well.
[describe reason]
I would like to request a refund in the amount of [Amount].
If applicable, I have attached documentation for your reference.
Could you please confirm the status of this request within 3-5 business days? I appreciate your attention to this matter.
Thank you for your assistance.
Sincerely, [Your Name] [Your Phone Number]
Common refund statuses
Status
Meaning
What It Means for You
Pending
The refund request has been initiated but is awaiting approval.
Your refund is in the queue for processing. Please check back later for updates.
Processing
Your refund is currently being processed by Klarna.
The refund is being finalized, and you should see it reflected in your account shortly.
Refunded
The amount has been refunded to your original payment method.
You should see the funds returned to your account soon, typically within a few business days.
Partially Refunded
Only a portion of your total refund has been processed.
You will receive the amount refunded so far, and any remaining balance will be processed separately.
Completed
The refund process is fully completed.
All amounts have been refunded, and your transaction is now fully resolved.
Canceled
The refund request has been canceled by the merchant or Klarna.
If you did not cancel it, you may want to reach out to customer support for further details.
Real User Scenarios: When and How Refunds Were Successfully Claimed
When using Klarna Bank AB (publ) for their financing needs, users often encounter various situations that prompt them to seek refunds. Here are some realistic scenarios illustrating how users successfully claimed refunds:
Subscription Overlap: A user realized they had accidentally subscribed to two similar financing plans for the same product. After reviewing their account, they contacted Klarna to clarify their subscription status. Klarna promptly reviewed the request and issued a refund for the overlapping subscription, ensuring the user was only charged for one.
Service Interruption: A user experienced a temporary service disruption while using their Klarna account, preventing them from completing a purchase. Upon submitting a request for clarification, Klarna verified the issue and issued a refund for the transaction that could not be completed due to the service interruption.
Product Return: A customer purchased a gift using Klarna's Pay Later feature, but decided to return it due to sizing issues. After initiating the return process with the retailer and confirming the return through Klarna’s interface, the user received a refund for the amount charged promptly upon the return being processed.
Billing Clarification: A user noticed an unexpected charge related to their payment plan and reached out to Klarna’s support team for clarification. After reviewing the account details, Klarna identified that the user had been charged an incorrect amount due to a promotional adjustment. They corrected the error and issued a refund for the discrepancy.
The Easiest Way to Get a Klarna Bank AB (publ) Refund
If you're frustrated trying to get a refund from Klarna Bank AB (publ)—or if you didn't even realize you were being charged—Chargeback can help. Chargeback is a personal subscription manager that automatically detects hidden, recurring charges like Netflix, Hulu, and hundreds of others. With one click, we can cancel unwanted subscriptions, flag suspicious billing, and even initiate refund requests on your behalf. No more waiting on hold or navigating confusing help pages. Just connect your bank or card account, and we'll take care of the rest.
How to Track Your Refund Status Efficiently
Tracking your refund status with Klarna Bank AB (publ) can be a smooth and efficient process if you know where to look. Klarna provides multiple channels for you to stay updated on your refund so you can easily monitor its progress.
Email Notifications: Keep an eye on your email inbox for updates from Klarna regarding your refund. You will receive emails confirming the initiation of your refund and any changes in its status.
Klarna App: Download the Klarna mobile app for real-time updates. In the app, navigate to the 'Orders' section to view the status of your refund. The app will show you detailed information about any refunds in progress.
Account Dashboard: Log in to your Klarna account on their website. Once logged in, go to the 'Order History' section. Here, you can find a list of all your orders along with their current refund status.
Order Details: In your order history, click on the specific order for which you are tracking the refund. Klarna offers detailed information regarding the refund progress, including the refund amount and the estimated time for processing.
Billing Section: Check the 'Billing' section of your account for any updates on adjustments related to your refund. This may provide insight into any pending transactions linked to your refund.
Merchant-Specific Tools: If your purchase was made from a specific merchant that partners with Klarna, check if they have tracking tools or systems in place for refunds. Some merchants may provide additional updates through their own platforms.
FAQ
If you forgot to cancel your subscription or payment on time, refunds are typically subject to the terms set by the merchant. It's advisable to reach out directly to them to discuss your situation, as they may offer solutions based on their refund policy. Klarna can assist you with the process, but eligibility for a refund will ultimately depend on the merchant's decision.
Refunds processed through Klarna typically take between 3 to 10 business days to appear in your account, depending on your bank's processing times. Once we initiate the refund, you’ll receive a confirmation notification, and you can track your refund status through your Klarna account.
If you see a charge but do not have an active subscription, first check your account for any overlooked subscriptions or past purchases. If everything appears correct, contact Klarna customer service for assistance in resolving the charge.
If you are unable to secure a refund directly from Klarna Bank AB (publ), consider reaching out to their customer service for further assistance. Additionally, you may explore escalating your query within their support system, or reviewing your account details to ensure all necessary information has been provided.
If Klarna Bank AB (publ) refuses to issue a refund, you can start by carefully reviewing the refund policy for the specific purchase to understand the terms. It may also be beneficial to contact Klarna's customer support again for further clarification or alternative solutions. Additionally, double-check your account details and the status of the transaction for any updates.
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¹ Total savings is calculated based on internal annualized estimates of savings for customers. ² Average requests times may vary depending on volume of requests
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