Payment options

At IKEA, we think everyone deserves a well-designed, functional home – and that paying for it shouldn’t be difficult. That’s why we have multiple payment options for in-store and online shopping, including financial services for when you need a little extra help, which you’ll find on this page.

How to pay at IKEA | Ways to pay | Payment terms and conditions | Frequently Asked Questions

A woman looking the IKEA website on her mobile phone

How to pay at IKEA

Whether you’re buying a new kitchen or just an IKEA hot dog, there are plenty of payment options. Which one is the best for you depends on where you’re shopping – and what you’re buying.

Paying at an IKEA store

We accept all major credit cards, mobile payments like Apple Pay or Google Pay. We also accept cash for instant payments in our stores, excluding IKEA Hammersmith. But we know that sometimes, you need help bringing your dreams to life. That’s why we offer financial services and value cards, such as the IKEA for business payment card, IKEA Home card and IKEA Gift cards, which you can use when shopping in store. We also accept One4all gift cards.

Paying at IKEA.com

Our online payment options are simple and secure. We accept all major credit cards (VISA, Mastercard and American Express) and Apple Pay. You can also use an IKEA Gift card, PayPal, IKEA Financial services or an IKEA for Business payment card to complete your purchase.

Paying on the IKEA app

You can securely pay through the IKEA app using all major credit cards, IKEA Financial services , IKEA Gift cards and mobile payments like Google Pay as well as PayPal.

Ways to pay

IKEA for Business payment cards</a>."}]},{"id":"e6ca40f0-42d3-11ec-8fe6-9d3033b1027a","isGlobal":true,"name":"","type":"accordion-item","title":"Cash","caption":"","content":[{"id":"ec58ad90-42d3-11ec-8fe6-9d3033b1027a","isGlobal":true,"type":"text","text":"We accept cash payments at all of our IKEA stores except IKEA Hammersmith, but find that many of our customers prefer to pay digitally."}]},{"id":"f4a41750-42d3-11ec-8fe6-9d3033b1027a","isGlobal":true,"name":"","type":"accordion-item","title":"IKEA Gift card","caption":"","content":[{"id":"f88fd070-42d3-11ec-8fe6-9d3033b1027a","isGlobal":true,"type":"text","text":"You can use an IKEA Gift card’s value in full or as partial payment towards something you really love. Just scan or enter the card details by selecting ‘pay with gift card’ when prompted at checkout."},{"id":"16ff8a80-2d8c-11ec-9e75-818ce152ec0e","isGlobal":true,"type":"button-link","link":{"type":"page","url":"https://www.ikea.com/gb/en/customer-service/payment-options/ikea-gift-cards-pub4423c690"},"linkTitle":"See IKEA Gift cards","isPrimary":false,"linkType":"button"}]},{"id":"04454030-42d4-11ec-8fe6-9d3033b1027a","isGlobal":true,"name":"","type":"accordion-item","title":"IKEA Refund card","caption":"","content":[{"id":"07ac38f0-42d4-11ec-8fe6-9d3033b1027a","isGlobal":true,"type":"text","text":"If you’ve been given an IKEA Refund card, you can use it to pay in store or online when you find the thing you really want. Just scan or enter the card details by selecting ‘pay with gift card’ when prompted at checkout."}]},{"id":"0c1649d0-42d4-11ec-8fe6-9d3033b1027a","isGlobal":true,"name":"","type":"accordion-item","title":"Financial services","caption":"","content":[{"id":"0f3d0540-42d4-11ec-8fe6-9d3033b1027a","isGlobal":true,"type":"text","text":"With our financial services, there’s always more than one way to pay. If you’re ready to make your house a home but need a helping hand, our finance services offer a more flexible way to pay with an IKEA payment plan."},{"id":"7760b2a0-2d8c-11ec-9e75-818ce152ec0e","isGlobal":true,"type":"button-link","link":{"type":"section","url":"https://www.ikea.com/gb/en/customer-service/services/finance-options/"},"linkTitle":"See Financial services","isPrimary":false,"linkType":"button"}]},{"id":"44b90980-42d4-11ec-8fe6-9d3033b1027a","isGlobal":true,"name":"","type":"accordion-item","title":"IKEA Business card","caption":"","content":[{"id":"498fbee0-42d4-11ec-8fe6-9d3033b1027a","isGlobal":true,"type":"text","text":"Furnishing an empire? Sign up for IKEA Business and you’ll receive an IKEA Business card to use when making purchases over the phone, via email, in store or online. Just swipe or provide your card details when prompted at checkout."},{"id":"fa030a10-2d8b-11ec-9e75-818ce152ec0e","isGlobal":true,"type":"button-link","link":{"type":"page","url":"https://www.ikea.com/gb/en/ikea-business/open-ikea-business-account-pub4f717801"},"linkTitle":"See IKEA Business cards","isPrimary":false,"linkType":"button"}]},{"id":"508fbce0-42d4-11ec-8fe6-9d3033b1027a","isGlobal":true,"name":"","type":"accordion-item","title":"Mobile payments","caption":"","content":[{"id":"53ee0310-42d4-11ec-8fe6-9d3033b1027a","isGlobal":true,"type":"text","text":"We accept the following mobile payment methods:\n<ul>\n<li>Google Pay (in store and on the IKEA app)</li>\n<li>Apple Pay (in store and online)</li>\n<li>Samsung Pay (in store)</li>\n</ul>"}]},{"id":"b5013d20-42d4-11ec-8fe6-9d3033b1027a","isGlobal":true,"name":"","type":"accordion-item","title":"Paypal","caption":"","content":[{"id":"b863a200-42d4-11ec-8fe6-9d3033b1027a","isGlobal":true,"type":"text","text":"Make secure payments with PayPal when shopping online or on the IKEA app."}]}]}}">

We accept the following cards when making an IKEA payment online and in store:

Mastercard

Visa

Visa Debit

Amex

We also accept IKEA for Business payment cards.
We accept cash payments at all of our IKEA stores except IKEA Hammersmith, but find that many of our customers prefer to pay digitally.
You can use an IKEA Gift card’s value in full or as partial payment towards something you really love. Just scan or enter the card details by selecting ‘pay with gift card’ when prompted at checkout.
See IKEA Gift cards
If you’ve been given an IKEA Refund card, you can use it to pay in store or online when you find the thing you really want. Just scan or enter the card details by selecting ‘pay with gift card’ when prompted at checkout.
With our financial services, there’s always more than one way to pay. If you’re ready to make your house a home but need a helping hand, our finance services offer a more flexible way to pay with an IKEA payment plan.
See Financial services
Furnishing an empire? Sign up for IKEA Business and you’ll receive an IKEA Business card to use when making purchases over the phone, via email, in store or online. Just swipe or provide your card details when prompted at checkout.
See IKEA Business cards
We accept the following mobile payment methods:

Google Pay (in store and on the IKEA app)

Apple Pay (in store and online)

Samsung Pay (in store)
Make secure payments with PayPal when shopping online or on the IKEA app.

Payment terms and conditions

co-worker talking with a family at IKEA store

The terms and conditions of your payment depend on which payment method you use.

Frequently asked questions

Some of your payment options-related questions will be covered on our Existing Financial Services page, IKEA Family page or IKEA for Business page. All the other questions we’re asked most often about payments are covered here:

IKEA for Business payment card</a> to complete your purchase.\n<h3>Paying on the IKEA app</h3>\nYou can securely pay through the <a href=https://www.ikea.com/"#\" rel=\"nofollow noopener noreferrer\">IKEA app</a> using all major credit cards, <a href=https://www.ikea.com/"#\" rel=\"nofollow noopener noreferrer\">IKEA Financial services </a>, IKEA Gift cards and mobile payments like Apple Pay or Google Pay as well as PayPal. "}]},{"id":"f30736a0-97e3-11ed-8c00-1705509b69a2","isGlobal":false,"name":"","type":"accordion-item","title":"What is the IKEA Home Card?","caption":"","content":[{"id":"fa0d2810-97e3-11ed-8c00-1705509b69a2","isGlobal":false,"type":"text","text":"The IKEA Home card was a payment card previously offered by IKEA. Existing holders may still use their cards in-store. The card was issued by IKANO Financial Services. If you have any questions about your card, please contact IKANO Customer Service at <a href=https://www.ikea.com/"tel:0371 781 3080\" rel=\"nofollow noopener noreferrer\">0371 781 3080</a>.\nWeekdays 8.30am - 9.00pm Saturdays 8.30am - 8.30pm Sundays 10.00am - 1.00pm\nThe IKEA Home card cannot be used online."}]},{"id":"fd456fb0-97e3-11ed-8c00-1705509b69a2","isGlobal":false,"name":"","type":"accordion-item","title":"How do I make a payment on the website?","caption":"","content":[{"id":"0c579f00-97e4-11ed-8c00-1705509b69a2","isGlobal":false,"type":"text","text":"When you are ready to proceed to the checkout, follow the steps given so that we can confirm all your details, including payment authorisation. We will then acknowledge your order by email."}]},{"id":"0f4a5220-97e4-11ed-8c00-1705509b69a2","isGlobal":false,"name":"","type":"accordion-item","title":"What is Verified by VISA, Mastercard SecureCode and Amex SafeKey (collectively known as 3d Secure)?","caption":"","content":[{"id":"169f4df0-97e4-11ed-8c00-1705509b69a2","isGlobal":false,"type":"text","text":"These are schemes that have been introduced by card issuers to help in the fight against online fraud and IKEA is now participating in these schemes along with a growing number of retailers. To verify your transaction you will be asked to enter your 3d Secure password. If you haven't already done so, you will need to register for 'Verified by Visa', 'Mastercard SecureCode' or ‘Amex SafeKey’ with your debit/credit card issuer.\nYou can register either by visiting the card issuer's website directly or simply by placing an order online. You will automatically be referred to your card issuer's website to register during the checkout process. If you encounter problems with registration, please contact your card issuing bank directly.\nOnce you have registered, whenever you shop online with any retailer that shows the 'Verified by Visa', 'Mastercard SecureCode' or ‘Amex SafeKey’ logos, you will have one more step in the shopping process. You will be taken to their debit/credit card issuers' website to enter your password before you are returned the checkout and complete the purchase. This ensures that only the person who enters the correct password should be able to shop online using your card."}]},{"id":"200ca270-97e4-11ed-8c00-1705509b69a2","isGlobal":false,"name":"","type":"accordion-item","title":"What should I do if my card is declined?","caption":"","content":[{"id":"26bc3680-97e4-11ed-8c00-1705509b69a2","isGlobal":false,"type":"text","text":"If you have checked the details you have entered and your billing address details match with those your card is registered to, then you should contact your card issuer or bank to find out why the transaction has been declined. We will only decline the transaction on the advice of the issuing bank, and we are unable to provide any details or reasons for this happening."}]},{"id":"34dcb2d0-97e4-11ed-8c00-1705509b69a2","isGlobal":false,"name":"","type":"accordion-item","title":"When am I entitled to claim a VAT refund and what do I need to do to obtain one?","caption":"","content":[{"id":"38265f90-97e4-11ed-8c00-1705509b69a2","isGlobal":false,"type":"text","text":"If you are purchasing goods in an IKEA Store you are entitled to claim a VAT refund when you are:\n<ul>\n<li>Business person or company who is not resident in the UK.</li>\n<li>Non-EU and non-UK residents (exports from Northern Ireland only).</li>\n</ul>\n \nYou are not entitled to claim a VAT refund when you are:\n<ul>\n<li>A visitor who is not resident in the UK and exporting goods for personal (non-commercial) use. Export of goods for personal (non-commercial) use can be zero-rated if exported from Northern Ireland.</li>\n<li>A private individual who is resident in the UK.</li>\n</ul>\n \nNon-UK resident business person or company (Great Britain only)\nIf you are exporting purchases outside the UK you may be entitled to a VAT refund. If you have any questions relating to the repayment of VAT, please contact our VAT Refund team by email at VATRefunds@ikea.com with the following information:\n<ul>\n<li>Order confirmation or receipt</li>\n<li>Bill of lading and Certificate of shipment stating IKEA order or receipt number</li>\n<li>Business or company registration documents translated and signed by a person of a recognised profession</li>\n<li>Utility bill sent to your business non-UK address translated and signed by a person of a recognised profession</li>\n</ul>\n \nNon-EU and non-UK residents (Northern Ireland only)\nIf you are exporting purchases outside the UK you may be entitled to a VAT refund. If you are shipping the goods as freight please email VATRefunds@ikea.com. If you are taking the goods with you as onboard luggage, you must request a ‘TaxFreeWorldwide’ receipt.\nIf you have any questions relating to the repayment of VAT, please contact our VAT Refund team by email at VATRefunds@ikea.com. You will be asked to provide the following information:\n<ul>\n<li>Order confirmation or receipt</li>\n<li>Utility bill for your non-UK, non-EU address</li>\n<li>Bill of lading and Certificate of shipment stating IKEA order or receipt number</li>\n<li>Details of yourself including but not limited to; contact numbers, full name, full address, etc.</li>\n</ul>\n \nThe goods must be exported within 3 months of the date of your purchases and IKEA must be in receipt of required information within 3 months of the date of your purchases to refund your VAT.\n \nFor more information visit <a href=https://www.ikea.com/"https://www.gov.uk/government/organisations/hm-revenue-customs/" rel=\"nofollow noopener noreferrer\">www.hmrc.gov.uk</a> "}]}]}}">

Yes, we offer interest-free credit (0% APR Representative) from £99 to £15,000 when you shop in-store or at one of our order and collection point, when you shop online or through our online planning appointments. Our Interest-free credit is available over different time periods, depending on how much you borrow:

Amount Duration

Between £99 - £299 3 months
Between £300 - £599 3 or 6 months
Between £600 - £1,199 3, 6 or 10 months
Between £1,200 - £2,999 6, 10 or 24 months
Between £3,000 - £4,999 10, 24 or 36 months
From £5,000 and above 24, 36 or 48 months

Up to a maximum limit of £15,000 depending on what term you choose.

You can apply for finance on all IKEA products (except IKEA Food) and also include your delivery/collection or kitchen installation.

Find out more about interest-free credit
Paying at an IKEA store

We accept all major credit cards, mobile payments like Apple Pay or Google Pay. We also accept cash for instant payments in our stores, excluding IKEA Hammersmith. But we know that sometimes, you need help bringing your dreams to life. That’s why we offer financial services and value cards, such as the IKEA for Business payment card, IKEA Home card and IKEA Gift cards, which you can use when shopping in store. We also accept One4all gift cards.

Paying at IKEA.com

Our online payment options are simple and secure. We accept all major credit cards (VISA, Mastercard, and American Express) and Apple Pay. You can also use an IKEA Gift card, PayPal, IKEA Financial services or an IKEA for Business payment card to complete your purchase.

Paying on the IKEA app

You can securely pay through the IKEA app using all major credit cards, IKEA Financial services , IKEA Gift cards and mobile payments like Apple Pay or Google Pay as well as PayPal.
The IKEA Home card was a payment card previously offered by IKEA. Existing holders may still use their cards in-store. The card was issued by IKANO Financial Services. If you have any questions about your card, please contact IKANO Customer Service at 0371 781 3080.

Weekdays 8.30am - 9.00pm
Saturdays 8.30am - 8.30pm
Sundays 10.00am - 1.00pm

The IKEA Home card cannot be used online.
When you are ready to proceed to the checkout, follow the steps given so that we can confirm all your details, including payment authorisation. We will then acknowledge your order by email.
These are schemes that have been introduced by card issuers to help in the fight against online fraud and IKEA is now participating in these schemes along with a growing number of retailers. To verify your transaction you will be asked to enter your 3d Secure password. If you haven't already done so, you will need to register for 'Verified by Visa', 'Mastercard SecureCode' or ‘Amex SafeKey’ with your debit/credit card issuer.

You can register either by visiting the card issuer's website directly or simply by placing an order online. You will automatically be referred to your card issuer's website to register during the checkout process. If you encounter problems with registration, please contact your card issuing bank directly.

Once you have registered, whenever you shop online with any retailer that shows the 'Verified by Visa', 'Mastercard SecureCode' or ‘Amex SafeKey’ logos, you will have one more step in the shopping process. You will be taken to their debit/credit card issuers' website to enter your password before you are returned the checkout and complete the purchase. This ensures that only the person who enters the correct password should be able to shop online using your card.
If you have checked the details you have entered and your billing address details match with those your card is registered to, then you should contact your card issuer or bank to find out why the transaction has been declined. We will only decline the transaction on the advice of the issuing bank, and we are unable to provide any details or reasons for this happening.
If you are purchasing goods in an IKEA Store you are entitled to claim a VAT refund when you are:

Business person or company who is not resident in the UK.

Non-EU and non-UK residents (exports from Northern Ireland only).

You are not entitled to claim a VAT refund when you are:

A visitor who is not resident in the UK and exporting goods for personal (non-commercial) use. Export of goods for personal (non-commercial) use can be zero-rated if exported from Northern Ireland.

A private individual who is resident in the UK.

Non-UK resident business person or company (Great Britain only)

If you are exporting purchases outside the UK you may be entitled to a VAT refund. If you have any questions relating to the repayment of VAT, please contact our VAT Refund team by email at VATRefunds@ikea.com with the following information:

Order confirmation or receipt

Bill of lading and Certificate of shipment stating IKEA order or receipt number

Business or company registration documents translated and signed by a person of a recognised profession

Utility bill sent to your business non-UK address translated and signed by a person of a recognised profession

Non-EU and non-UK residents (Northern Ireland only)

If you are exporting purchases outside the UK you may be entitled to a VAT refund. If you are shipping the goods as freight please email VATRefunds@ikea.com. If you are taking the goods with you as onboard luggage, you must request a ‘TaxFreeWorldwide’ receipt.

If you have any questions relating to the repayment of VAT, please contact our VAT Refund team by email at VATRefunds@ikea.com. You will be asked to provide the following information:

Order confirmation or receipt

Utility bill for your non-UK, non-EU address

Bill of lading and Certificate of shipment stating IKEA order or receipt number

Details of yourself including but not limited to; contact numbers, full name, full address, etc.

The goods must be exported within 3 months of the date of your purchases and IKEA must be in receipt of required information within 3 months of the date of your purchases to refund your VAT.

For more information visit www.hmrc.gov.uk