# Klarna referral code & link UK 2026 — get a £10 bonus

**Referral link (link-only, no code to type):** https://l.klarna.com/22XC/invite_Md5TX4qOPzuhR_ww
**Guide:** https://bonusblueprint.co.uk/guide/klarna
**Verified:** August 2026 · United Kingdom · New Klarna Card users, 18+

## What you get

£10 credited to your **Klarna balance** — real credit, not a retailer voucher. It can be spent at any Klarna checkout, spent on the Klarna Card at any Visa merchant, used to settle an outstanding Klarna BNPL plan, or withdrawn to a linked UK debit card. Klarna balance credit does not expire.

## How to claim

1. Open the invite link on the phone you'll use Klarna on (install the Klarna app if needed — same-device attribution).
2. Tap **Accept invite** inside the Klarna app. This starts the 30-day qualifying window.
3. Sign up for the **free Klarna Card**. The virtual Visa card lands in Apple Wallet or Google Wallet in minutes; no credit check for debit mode. A free Klarna balance wallet opens with it.
4. Make **three separate Klarna Card purchases of £10 or more** at Visa-accepting merchants within 30 days.
5. Once the third purchase settles, **£10** is credited to your Klarna balance.

## Qualifying purchases

Counts: supermarkets, cafés, restaurants, corner shops, online UK retailers, contactless via Apple Pay / Google Pay, purchases abroad (no FX fee).

Excluded: transfers (P2P or wallet-to-card), top-ups, financial services, money transfers, crypto, gift cards and pre-paid card loads, bills and debts (including Klarna bills), cash withdrawals, gambling and lottery, fees, insurance premiums, fines, donations, tax payments, B2B and professional services. Eligibility is determined by merchant category code (MCC).

## Eligibility

- UK resident, 18+, Klarna account registered in the UK
- Never previously held the Klarna Card (existing Pay in 3 / Pay in 30 users still qualify)
- Must accept the invite via the link — there is no code box at sign-up
- Open Klarna balance account to receive the credit
- Three qualifying £10+ Card purchases must **settle** within 30 days

## Key terms

- Returned or cancelled qualifying purchases void the reward
- Self-referrals, duplicate accounts and duplicate email addresses are prohibited
- Rewards may be subject to local income tax; paying it is the recipient's responsibility
- Klarna can change reward values, limits or campaign dates at its discretion
- No paid Klarna membership required — the free tier qualifies. Paid tiers (Core £1.99/mo up to Max £44.99/mo) add a physical card, cashback, subscription bundles and lounge access but are not needed for the bonus.

## Safety and regulation

Klarna Financial Services UK Limited is FCA-authorised as an Electronic Money Institution (FRN 1021834). **Klarna balance is not FSCS-protected** — funds sit in segregated safeguarding accounts under the Electronic Money Regulations 2011. Pay in 3 / Pay in 30 come into FCA regulation as Deferred Payment Credit from 15 July 2026 (Temporary Permissions Regime opened 15 May 2026). Klarna has reported UK BNPL repayment behaviour to Experian, TransUnion and Equifax since June 2023.

## Official terms

- Klarna UK refer-a-friend (current official terms, accessed August 2026): https://www.klarna.com/uk/refer-a-friend/
- Invite screen in the Klarna app — reward value, 30-day window, three-purchase requirement
- Klarna UK refer-a-friend: https://www.klarna.com/uk/refer-a-friend/