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

> Zilch is the easiest claim — £5 with no spending at all. Clearpay pays the sharpest single discount at £10 off a £50 basket, a 20% rate. Klarna's £10 is the most flexible because it lands as withdrawable balance, but it asks the most work. Zable is the only FCA-regulated card here, and its soft-search check is worth running on its own.

Last checked: 2026-09-21. Page: https://topreferrals.co.uk/compare/best-bnpl-referral-codes-2026

## Key takeaways
- Zilch: £5 in Rewards with no purchase at any stage — the only no-spend reward in our directory.
- Clearpay: £10 off an eligible £50+ basket, which is a 20% discount at exactly £50.
- Klarna: £10 in withdrawable balance, but you must take the Klarna Card and make three £5+ purchases in 30 days.
- Zable: FCA-regulated credit with a soft-search eligibility check that leaves no mark on your credit file.

## Compared offers
- **[Klarna](https://topreferrals.co.uk/referrals/klarna)** — you get £10 (£10 to join with the Klarna Card).
  - Code: `BoouNaG950GjfLKU`
  - Link: https://l.klarna.com/22XC/invite_BoouNaG950GjfLKU
- **[Clearpay](https://topreferrals.co.uk/referrals/clearpay)** — you get £10 off (£10 towards a £50 order).
  - Code: `BEHZA-T6T77`
  - Link: https://clearpay.onelink.me/ah1q/y29lzkhk
- **[Zilch](https://topreferrals.co.uk/referrals/zilch)** — you get £5 in Rewards (£5 in Rewards, no spend needed).
  - Code: `o7wikj98`
  - Link: https://zilch.onelink.me/x8EV/o7wikj98
- **[Zable](https://topreferrals.co.uk/referrals/zable)** — you get Reward on your card (Reward on your Zable card).
  - Code: `behzad-hosseini-3a1ac`
  - Link: https://zable.co.uk/join?c=behzad-hosseini-3a1ac&type=cardsApplication

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](/referrals/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](/referrals/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](/referrals/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](/referrals/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.

## Side by side

|  | Clearpay | Klarna | Zilch | Zable |
| --- | --- | --- | --- | --- |
| Reward to you | £10 | £10 | £5 | Varies — check app |
| Spend required | £50 basket | 3 × £5 | None | First transaction |
| Withdrawable | No | Yes | No | Card balance |
| Effort | Low | High | Lowest | Application |
| New product needed | No | Klarna Card | Zilch card | Physical card |
| FCA-regulated | From 15 Jul 2026 | From 15 Jul 2026 | From 15 Jul 2026 | Yes, already |
| Soft-search check | No | No | No | Yes |

## FAQ

### Which UK pay-later referral is easiest to claim?
Zilch. It pays £5 for completing sign-up, identity verification and card issue within 30 days, with no purchase required at any stage — the only reward in our directory with no qualifying spend.

### Which pay-later referral is worth the most?
Clearpay and Klarna both pay £10. Clearpay's is the sharper discount if you size the basket to £50, where it works out at 20% off. Klarna's is the more flexible because it lands in your balance wallet as e-money you can withdraw.

### Can I claim more than one of these?
Yes. Each runs its own programme with its own eligibility test, so claiming several is the value-maximising move provided you qualify for each and genuinely want the accounts.

### Which of these is FCA-regulated?
Zable, as a credit card, already sits inside FCA regulation. Clearpay, Klarna's Pay in 3 and Zilch are buy-now-pay-later products that come under FCA supervision from 15 July 2026.

### What is a soft search and why does Zable's matter?
A soft search checks whether you would likely be accepted without leaving a mark on your credit file or being visible to other lenders. Zable's lets you find out where you stand before any hard search is recorded, which is useful because multiple hard searches in a short period can themselves affect how a file reads.