Klarna (KLAR) upgraded its membership program for all four tiers to eliminate service fees and increase cashback rates on all purchases, the company said Thursday.

The updated subscriptions provide up to 6,000 euros (roughly $6,900) in annual value by bundling 23 digital services, and the higher-tier plans now offer up to 1.5% cashback on all payments alongside better interest rates on savings accounts, the company said.

The top subscriptions also include travel insurance, airport lounge access, and extended purchase protection warranties, and members can convert their earned cashback points into airline and hotel loyalty programs, Klarna said.

The new membership plans are rolling out in the coming weeks in Denmark, Germany, Austria, Italy, France, Spain, Belgium, the UK, Norway, Sweden and Finland, it added.