# Wallets & Pay Later

> Invite bonuses for UK digital wallets and pay-later apps — app credit for new joiners, with clear regulatory framing.

Wallets and pay-later apps sit between everyday spending and a bank account, and both major players run live UK invite programmes. PayPal pays £10 to each side once a new joiner spends £5 on a qualifying GBP checkout within 30 days — the lower-friction of the two — while Klarna pays the joiner £10 and the referrer £40 after three £5 Klarna Card purchases. Both are FCA-authorised, but the reward lands as credit inside the app rather than as cash in a bank: these are e-money institutions, so balances are safeguarded under the Electronic Money Regulations 2011 rather than FSCS-protected. We score the joiner's reward, how easy it is to trigger and how the money is held.

## Ranked offers
1. [PayPal](https://topreferrals.co.uk/offers/paypal) — TopScore 7.2/10 (Solid). £10 each side after a £5 spend. Code: `3kNyYfKTmyL`.
2. [Klarna](https://topreferrals.co.uk/offers/klarna) — TopScore 6.5/10 (Solid). £10 to join with the Klarna Card. Code: `BoouNaG950GjfLKU`.