Xbox All Access Terms & Conditions

Game Retail Limited acts as a credit broker and not a lender and offers finance products provided by Klarna Bank AB (publ) and PayPal (Europe) S.à rl et Cie. Commission may be received.

^Financing issued and serviced solely by Klarna Bank AB (publ), Sveavägen 46, 111 34, Stockholm, Sweden. Application decisions are made solely by Klarna Bank AB. Subject to financial circumstances. You must be at least 18 and a UK resident. If you make your payments by the due date each month, the monthly payment shown should allow you to pay off the purchase within 24 months with no extra cost (0% APR). If you have other balances on your account, this monthly payment will be added to the monthly payment applicable to those balances. If you miss two consecutive payments, the interest and charge free arrangement will cease and you’ll be required to pay interest and charges on all future repayments in accordance with the terms of the credit agreement. Representative example: Representative APR (variable) 18.9% APR with an assumed credit limit of £750 and a purchase rate of 18.9% p.a.

*At participating retailers; prices vary by console. 24-month subscription to Xbox Game Pass Ultimate includes Xbox Live Gold, Xbox Game Pass for Console, Xbox Game Pass for PC, and other benefits; game catalogue varies over time. Internet access required (ISP fees apply). Membership conversion: Any outstanding time on your existing Xbox Live Gold and Xbox Game Pass membership(s) will automatically convert to Ultimate at a pre-set conversion ratio, learn more . Digital Direct: Your 24-month Xbox Game Pass Ultimate membership is delivered directly to your console during set-up and is available in Settings; no codes required. Upgrade: You are eligible to apply for upgrade to the next Xbox console coming at the end of 2020 (excludes Xbox One X, S, and S All Digital Edition) after you have made the equivalent of 18 full payments (and any upgrade may be subject to eligibility requirements). Microsoft or Klarna may contact you to notify you about your upgrade options. Upgrading from Xbox One S All-Digital Edition will require payment of a £15 upgrade fee (subject to change). New application with Klarna, contract, terms, pricing, and any applicable fees apply. Requires return of console in good condition or payment of the console balance. The next Xbox console available under the upgrade option may vary due to applicable laws. See product and upgrade terms at

+Special Upgrade Offer Terms: Upgrading to the next Xbox console is subject to its release and availability at the time you wish to upgrade. Upgrade requires at least 12 full payments on your original Xbox All Access contract, and entering into a new fixed term financial agreement with Klarna for purchase of a new 24-month Xbox All Access contract for the next Xbox Console, expected end of 2020, which will be subject to Klarna’s terms and conditions. Offer valid for original purchase of Xbox One X with Xbox All Access between 5 Nov, 2019  and 31 Dec, 2019; not available with Xbox One S / S All-Digital. New application with Klarna, contract, terms, and pricing apply. Requires return of console in good condition or payment of the console balance. See product and upgrade terms at

Game Retail Limited is authorised and regulated by the Financial Conduct Authority. Firm reference number - 652341. Registered address - Unity House, Telford Road, Basingstoke, Hampshire, RG21 6YJ. Company number - 07837246.