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Do you offer finance options or interest-free credit?

Online option
Through PayPal we offer 0% APR interest for 4 months. You can choose PayPal finance online, at the checkout section.

In-store option
We are able to offer a variety of finance options, including interest-free credit (0% APR Representative) when you shop in-store or in one of our order and collection points.

Our interest-free credit options are available in the following options:

Minimum Spend Duration

£600 + 12 months
£1,200 + 24 months
£3,000 + 36 months

You can apply for finance in store on products and also on kitchen installation. All finance agreements must be set up in store.

Read more about Finance.

What payment methods do you accept?

In-store - We are pleased to accept all major credit and debit cards including VISA, VISA Electron, Mastercard, Maestro, Delta and American Express. You can pay using your payment card, or we accept Apple Pay and Android Pay. We also accept IKEA Home Card, IKEA Gift cards and cash*. We do not accept cheques.

Online - We accept all major credit and debit cards including VISA, VISA Electron, Mastercard, Maestro and American Express. We also accept IKEA Gift cards and PayPal payments.

*Please note our Planning Studio on Tottenham Court Road and Stratford can accept payment by card only.

IKEA Home Card

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.

How do I make a payment on the website?

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.

Verified by VISA, Mastercard SecureCode and Amex SafeKey (collectively known as 3d Secure)

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.

What should I do if my card is declined?

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.

When am I entitled to claim a VAT refund and what do I need to do to obtain one?

If you are purchasing goods in an IKEA Store you are entitled to claim a VAT refund when you are either:

  • Non EU resident
  • Registered for VAT in the EU, other than the UK.

Non-EU resident

If you are exporting purchases outside the EU you may be entitled to a VAT refund. If you are shipping the goods as freight please request an IKEA ‘VAT refunds for export outside the EU’ notice. 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 with the following information:

  • Order confirmation or receipt
  • Utility bill for your non-UK address
  • Certificate of shipment
  • Details of yourself including but not limited to; contact numbers, full name, full address, etc.

For more information visit