Klarna Referral Code

Klarna's invite is the one offer in our wallet sector that pays genuine, spendable money rather than store credit — £10 into your Klarna balance for joining, and £40 to the person who referred you. The trade-off is effort: you have to take the new Klarna Card and complete three separate purchases, which is why it scores lower on ease than PayPal even though the combined payout is larger. Take it if you actually want the Card; skip it if you just want a quick tenner.

What you get, and what it costs

The new joiner receives £10 in their Klarna balance wallet; the referrer receives £40. Both are real e-money you can spend on the Klarna Card, inside Klarna checkout, against a pay-later plan, or withdraw to a linked debit card. Crucially, you do not need a paid Klarna membership — the free baseline account, which comes with the balance wallet and a virtual Klarna Card, is everything the offer requires. Paid tiers (from £1.99/month) add a physical card and perks like cashback, but they are optional.

How to claim the £10

Open the invite in the Klarna app, tap Accept invite, then apply for the Klarna Card — a Visa debit-first card that lands as a virtual card in your Apple or Google Wallet within minutes, with no credit check at sign-up. Then make three separate Klarna Card purchases of £5 or more within 30 days. When the third one clears, both balances are credited.

What does not count: transfers (person-to-person or wallet-to-card), top-ups that load your Klarna balance, and financial-services merchants such as gambling or money transfer. The three have to be ordinary, separate retail purchases, and they must settle — not merely authorise — inside the window.

When the 30-day clock starts

A common mistake is to assume the clock starts when the physical card arrives. It doesn't: it starts the moment you tap Accept invite. Because the virtual card is instant, there is no reason to wait — start the three purchases straight away so a delivery delay never eats into your window.

Already a Klarna user? You may still qualify

The eligibility test is Card-specific, not account-wide. If you have used Klarna's Pay in 3 before but have never held the Klarna Card, you still qualify as a new joiner. Klarna had around 11 million UK customers in May 2025, most of whom have never taken the Card, so a large pool of existing users can claim.

Is the Klarna balance protected?

Klarna Financial Services UK is an FCA-authorised e-money institution (FRN 1021834). That means your balance is safeguarded in segregated accounts under the Electronic Money Regulations 2011 — a real protection, but not the same as FSCS cover on a bank deposit. The wallet is for spending, not for storing savings.

Using Klarna's pay-later responsibly

The Klarna Card defaults to debit — spending from your balance — which is the regulated e-money product. But you can flip a purchase to Pay in 3 after the fact, and that is credit. Pay in 3 and Pay in 30 stay unregulated until 15 July 2026, so until then there is no Section 75 cover and no access to the Financial Ombudsman, and Klarna has reported repayment behaviour to all three UK credit agencies since June 2023 — on-time payments help your file, missed ones hurt it. Use the Card in debit mode for the referral and you avoid all of that.

What we checked

We verify this against Klarna's in-app Invite Friends screen and terms, re-checking the live offer monthly with a daily link test. Because pay-later carries real consumer-credit caveats, we flag them prominently rather than burying them — the bonus is genuine, but the product around it deserves a clear-eyed read.