Sparebørsen vs Klarna: which cashback pays off in 2026?

They solve two different needs. Sparebørsen is a standalone cashback service that pays real kroner into your bank account at 270+ online stores, without requiring you to use a particular payment method. Klarna is a Swedish payment and shopping app that offers cashback inside its own app: a feature within a payment ecosystem, not a cashback service in its own right.

Sparebørsen vs Klarna: a quick overview

How Sparebørsen works

Sparebørsen is a dedicated cashback service with 270+ Norwegian and international online stores. You click through to the store via Sparebørsen, shop as normal without a discount code, and get a share back as real kroner, paid into your bank account. You choose how you pay in the store; the cashback does not depend on the payment method. The top rate is 42%, and most stores sit between 1 and 10%.

How cashback works in Klarna

Klarna is a very well-known Swedish payment and shopping app that offers cashback and rewards at selected partner stores inside its app. Its strength is the strong brand and the fact that the cashback is closely integrated with the shopping and payment experience itself: if you are going through Klarna anyway, the reward comes along with it. The difference is that the cashback lives inside the Klarna ecosystem and is often tied to using Klarna to shop.

The most important difference

Sparebørsen is a standalone cashback service where the money ends up as kroner in your bank account, whichever way you pay. Klarna is first and foremost a payment app where cashback is one feature among several, and the value stays inside the app. If you want plain cashback without tying yourself to a payment method, Sparebørsen is more flexible. If you prefer Klarna as your payment anyway, its cashback is a useful addition.

Which should you choose?

• You want money in your account across a broad store selection: Sparebørsen.
• You do not want to be tied to one payment method: Sparebørsen.
• You use Klarna as your payment anyway: Klarna, so the cashback comes along with it.
• Both: use Sparebørsen for cashback, and Klarna where you prefer that payment method; they do not rule each other out.

Frequently asked questions

Is Sparebørsen or Klarna best for cashback?

Sparebørsen is a dedicated cashback service with 270+ stores and money paid into your bank account. Klarna offers cashback inside its payment app, often tied to shopping via Klarna. If you want plain, standalone cashback, Sparebørsen is the stronger choice.

Do I have to pay with Klarna to get cashback there?

Klarna's cashback lives in the app and is often tied to shopping through Klarna. Sparebørsen requires no particular payment method: you pay how you like and get the cashback either way.

How do I get my money paid out from Sparebørsen?

Sparebørsen pays real kroner into your bank account once the cashback is approved. Klarna keeps the reward inside its app and ecosystem.

Are both free?

Yes. Both Sparebørsen and Klarna's cashback feature are free to use. You pay the same price in the store; the service earns a commission from the store and shares it with you.

Updated June 2026. Ready to earn real money back? Find your stores on Sparebørsen, or read the full comparison of cashback in Norway.