How to Buy a ChatGPT Plus Subscription with Klarna

How Klarna Works for This Purchase

Klarna offers several payment options: Pay in 3 interest-free instalments, Pay Later (up to 30 days after purchase), and the Klarna Card. For buying ChatGPT Plus, the relevant option is the Klarna Card, a Visa debit card issued by Klarna Bank.

OpenAI's checkout on chatgpt.com accepts credit and debit cards (Visa, Mastercard, American Express) as well as Apple Pay and Google Pay through the mobile apps. Klarna's Buy Now Pay Later products, Pay in 3 and Pay Later, are not listed as payment options at checkout.

Because the Klarna Card runs on the Visa network, it is treated like any other Visa debit card at chatgpt.com and is accepted without any additional steps. The card is available to residents in Germany, Austria, France, Belgium, the Netherlands, Spain, Italy, Portugal, Ireland, Finland, and Sweden.

Step-by-Step: Buying ChatGPT Plus with Klarna

Step 1: Apply for the Klarna Card

Download the Klarna app on iOS or Android, sign in to your account, and navigate to the "Card" tab. Apply for the Klarna Card and complete the identity verification steps. If approved, a virtual card number is issued within minutes, which you can use for online purchases straight away. A physical card can follow by post.

Step 2: Go to chatgpt.com/pricing

Open chatgpt.com in your browser and log in to your OpenAI account. If you do not yet have an account, you can create one for free using your email address.

Step 3: Click "Upgrade to Plus"

On the pricing page, locate the ChatGPT Plus plan and click "Upgrade to Plus" to start the checkout process. OpenAI redirects you to a secure payment page powered by Stripe.

Step 4: Enter Your Klarna Card Details

On the payment page, select card payment and enter your Klarna Card number, expiry date, and CVV. Your billing address should match the address linked to your Klarna account. OpenAI may trigger a 3-D Secure (3DS2) verification step, which you confirm in the Klarna app.

Step 5: Complete the Subscription

Click "Subscribe" to confirm the payment. OpenAI charges your Klarna Card each month on your renewal date. You will receive a confirmation email, and your ChatGPT Plus features are active immediately.

Fees, Limits, and Availability

ChatGPT Plus costs European users between €22 and €25 per month, including local VAT. VAT rates vary by country: 19% in Germany, 20% in France, 21% in Belgium, and 25% in Sweden. The exact amount is shown in euros at checkout *(glbgpt.com, 2025)*.

Klarna does not charge additional fees for using the Klarna Card at online stores. There are no foreign transaction surcharges from Klarna's side, and the card has no annual fee.

The Klarna Card is currently available in Austria, Belgium, Finland, France, Germany, Ireland, Italy, the Netherlands, Poland, Portugal, Spain, and Sweden *(Klarna, 2025)*. Availability and eligibility requirements vary by country, so check the Klarna app for the current status in your market.