Best UK pay-later referral codes 2026: Clearpay, Zilch, Klarna and Zable compared

Four UK pay-later and card referrals, four genuinely different propositions. Here is what each one pays, what it asks, and which to claim first.

1. Zilch — the easiest reward on this site

Zilch pays £5 in Rewards for completing sign-up, identity verification and card issue within 30 calendar days. No purchase. No basket. No threshold.

It is the only reward in our entire directory that requires no spending whatsoever, which makes the £5 pure rather than a discount on your own outlay. The figure is the smallest here; the effort is genuinely zero transactions. There is also no cap on referrals.

Claim it if: you want a reward without an accompanying purchase.

2. Clearpay — the sharpest single discount

Clearpay pays £10 against an eligible purchase of £50 or more. Because it is a fixed sum against a minimum, the effective rate depends on your basket:

• £50 → 20% off
• £100 → 10%
• £150 → 6.7%

Twenty percent beats most seasonal sales, and it is available only by sizing the basket close to the threshold. The purchase splits into four interest-free instalments with the £10 deducted before it divides.

Eligibility is the strictest of the four: no account held in the previous 12 calendar months, UK residents excluding the Channel Islands, code entered at sign-up in the app. Five referrals per customer.

Claim it if: you have a purchase of around £50 in mind.

3. Klarna — the most flexible £10, for the most work

Klarna pays £10 into your Klarna balance wallet as e-money you can spend through Klarna or withdraw to a debit card. That is the best-quality reward of the four — the only one that can become money in your bank account.

The price is effort. You must take the Klarna Card and make three separate purchases of £5 or more within 30 days. Three occasions, not one shop. The person who invited you earns £40 against your £10, which is worth knowing simply because it explains the volume of Klarna links circulating.

Open to UK residents 18+ who have never held a Klarna Card — existing Pay in 3 users still qualify, since the test is on the Card specifically.

Claim it if: you actually want the Klarna Card.

4. Zable — the regulated one, and the soft search

Zable is a different animal: an FCA-regulated credit card, not a pay-later arrangement. Both sides receive a reward on the card balance after a first transaction, though Zable publishes no fixed figure — it varies by account, so check the app rather than trusting a number quoted elsewhere.

The genuinely useful feature is the soft-search eligibility check. It shows whether you would be accepted without leaving a mark on your credit file; a hard search is recorded only if you accept an offer. That is worth running on its own merits, separate from any reward.

The reward requires approval for a physical Zable credit card — a Starter (virtual) account does not qualify.

Claim it if: a credit card is something you want, or you simply want to check eligibility at no cost to your file.

How to choose

If you want…	Claim
Something for nothing	Zilch
The best rate on a £50 purchase	Clearpay
Withdrawable cash	Klarna
Regulated credit + Section 75	Zable

The regulatory picture, briefly

Buy-now-pay-later comes under FCA supervision from 15 July 2026, which brings Clearpay, Klarna's Pay in 3 and Zilch inside the regime. Zable, as a credit card, is already there — and carries Section 75 protection on purchases between £100 and £30,000, which none of the pay-later products offer.

The verdict

Start with Zilch, because £5 for a completed sign-up costs you nothing and is the easiest claim on this site. Add Clearpay when you next have a £50-ish purchase, and take the full 20%. Take Klarna only if the Card appeals on its own merits, since three purchases is real work for the same headline figure. And run Zable's soft search regardless — knowing where you stand without marking your file is useful whether or not you go on to apply.