# Klarna vs PayPal referral: which £10 UK invite is easier in 2026?

> Both pay the joiner £10, so choose by effort. PayPal is lower-friction — one £5 checkout on an account most people already hold — but the £10 is store credit and the campaign ends 30 June 2026. Klarna pays the same £10 (plus £40 to the referrer) but needs the Klarna Card and three £5 purchases. They're separate programmes, so you can claim both.

Last checked: 2026-06-21. Page: https://topreferrals.co.uk/compare/klarna-vs-paypal

## Key takeaways
- PayPal: £10 each side after one £5 GBP checkout within 30 days — lowest friction, but store credit, and the campaign ends 30 June 2026.
- Klarna: £10 to the joiner (£40 to the referrer) after taking the Klarna Card and making three £5 purchases within 30 days.
- Pick PayPal if you want the quickest tenner; pick Klarna if you actually want the Card.
- Separate programmes with separate eligibility — claim both if both suit you.

## Compared offers
- [PayPal](https://topreferrals.co.uk/offers/paypal) — TopScore 7.2/10. £10 each side after a £5 spend.
- [Klarna](https://topreferrals.co.uk/offers/klarna) — TopScore 6.5/10. £10 to join with the Klarna Card.

These two pay the same headline figure to the new joiner — £10 — so the decision is purely about how much work each asks of you, and what form the money takes.

## Same £10, very different effort

[PayPal](/offers/paypal) gives both sides **£10** once the new joiner makes a single **£5 GBP checkout** within 30 days. Most people already have a PayPal account and already shop somewhere that accepts it, so the qualifying step is barely a step at all.

[Klarna](/offers/klarna) also gives the joiner **£10** (and the referrer **£40**), but only after you **take the Klarna Card** and make **three separate £5 purchases** within 30 days. That's more deliberate effort — and only worth it if you actually want the Card.

## What the money is

This matters as much as the amount. PayPal's £10 is **non-cash store credit** in the Offers section — it applies at your next checkout but can't be withdrawn. Klarna's £10 lands in your **Klarna balance wallet** as spendable e-money you can even withdraw to a debit card. So Klarna's reward is the more flexible of the two.

## The catches

PayPal's offer is **time-limited** — the campaign closes **30 June 2026** and rewards expire 30 September. And paying through PayPal can break **Section 75** protection on big purchases. Klarna's caveat is its credit side: Pay in 3 stays unregulated until 15 July 2026, though using the Card in debit mode for the referral avoids that entirely.

## The verdict

Want the **quickest, lowest-effort tenner**? PayPal — just mind the deadline. Want a slightly larger, more flexible reward and don't mind taking a new card? Klarna. They are independent programmes, so if both fit your spending, **claim both**.