Klarna Referral Code & Link UK 2026: Get £10 Bonus
Get a £10 bonus with our Klarna referral link: make 3 purchases of £10 or more on the free Klarna Card within 30 days and £10 lands in your Klarna balance. The offer is link-only — there is no code to type. Accept the invite, sign up for the free Klarna Card, and your bonus is spendable anywhere Visa is accepted or withdrawable to your bank.
- £10 in Klarna balance — real credit, not a retailer voucher
- Three Klarna Card purchases of £10+ within 30 days of accepting the invite
- No credit check for the debit-mode Klarna Card; virtual card in minutes
- Free tier only — no paid Klarna membership needed
- Withdraw the £10 to a linked UK debit card, or spend it anywhere Visa is accepted
1. How to Claim Your £10 Klarna Bonus
Sign-up takes under ten minutes and the card is virtual, so you can start spending immediately. The thing most people get wrong: the invite link must be opened on the same phone where you install and sign in to the Klarna app, otherwise attribution breaks and no bonus is paid.
Tap our invite link on the handset you'll use Klarna on. If the Klarna app isn't installed, the link installs it — don't forward the link to a desktop browser and type it in manually.
Sign in or create your Klarna account, then tap Accept invite on the invite screen. This is the exact moment the 30-day qualifying window starts — not when the card arrives, and not when you first spend.
Apply for the Klarna Card inside the app. The virtual Visa card lands in Apple Wallet or Google Wallet within minutes. There's no credit check for debit-mode spending, and a free Klarna balance wallet is opened automatically to receive your reward.
Use the Klarna Card at any Visa-accepting merchant — a supermarket shop, a coffee round, an online order. It must be a genuine merchant purchase, not a top-up or transfer.
Two more separate transactions of £10+ each, ideally at different merchants on different days. Don't split one basket into two payments in the same session — Klarna's anti-abuse logic can collapse them into a single qualifying event.
Once the third qualifying purchase settles (settles, not just authorises) inside the 30 days, £10 is credited to your Klarna balance. Spend it at Klarna checkouts, on the Klarna Card, against an outstanding BNPL plan, or withdraw it to a linked UK debit card.
The cleanest way to qualify is spending you were going to do anyway: a £10+ supermarket or corner-shop spend, a £10+ coffee or lunch, and a £10+ online order — three different merchants, spread across three different days. Set the Klarna Card as your default in Apple Pay or Google Pay for a week and it happens on its own. Two things to avoid: don't fund the wallet and count the top-up as a purchase (top-ups are explicitly excluded), and don't leave all three purchases to day 29 — the transaction has to settle inside the 30 days, and some merchants take two or three working days to settle.
3. What Counts as a Qualifying Klarna Card Purchase?
Three purchases, £10 minimum each, as separate merchant transactions with the Klarna Card, within 30 days of accepting the invite. Klarna decides eligibility using the merchant category code (MCC) attached to each transaction by the card network.
Klarna's terms also state that if a qualifying purchase is returned or cancelled, the reward tied to it is lost — so don't plan your three purchases around items you intend to send back.
4. Eligibility Requirements
5. Key Terms & Conditions
6. The Klarna Card, Klarna Balance and Memberships
Klarna's in-app invite screen says the Card is “available with a Klarna membership”, which confuses people. There are two different things behind that word. The free baseline Klarna membership is simply the account created when you sign up for the Klarna Card — it costs nothing, includes a Klarna balance wallet and a virtual card, and is all you need for the £10.
The paid Klarna Memberships — Core (£1.99/month), Plus, Premium (£17.99/month) and Max (£44.99/month), launched 27 October 2025 — add a physical card in aubergine, black or bright green, tiered cashback on Klarna balance spending, subscription bundles (Headspace, MasterClass, ClassPass, Audiobooks.com, The Times, Vogue, GQ), travel insurance and, at Max, unlimited LoungeKey airport lounge access. None of these tiers is required for the referral bonus.
The Klarna Card itself is a Visa debit-first card built on Visa Flexible Credential. Purchases default to debit, drawn from your Klarna balance; eligible purchases can be flipped into a Pay in 3 plan afterwards from inside the app. There are no foreign exchange fees, it works with Apple Pay and Google Pay on both virtual and physical cards, and it's accepted at over 150 million Visa merchant locations worldwide. The UK card is issued by Klarna Financial Services UK Limited under its FCA e-money permission.
Klarna balance is the e-money wallet that holds your funds and receives your £10. It's the Card's default funding source, and balance credit can be spent at any Klarna checkout, spent on the Card, used to settle outstanding BNPL plans, or withdrawn to a linked debit card.
7. About Klarna in the UK (2026)
Klarna is the Swedish payments company that defined Buy Now Pay Later for a generation of UK shoppers. Founded in Stockholm in 2005 as Kreditor Europe AB by Sebastian Siemiatkowski, Niklas Adalberth and Victor Jacobsson, it rebranded to Klarna in 2009, holds a full Swedish banking licence from Finansinspektionen, and listed on the New York Stock Exchange under the ticker KLAR in September 2025.
In the UK, Klarna is best known for Pay in 3 (a purchase split into three interest-free monthly payments) and Pay in 30 (receive goods, pay in full within a month). It reported around 11 million active UK customers and more than 60,000 UK merchant partners — including Argos, eBay, Eurostar and John Lewis — making the UK one of its largest markets. Globally it closed 2025 with roughly 118 million active consumers and $3.5bn of revenue.
The UK product story changed materially in 2025. On 30 July 2025 the FCA authorised Klarna Financial Services UK Limited as an Electronic Money Institution (FRN 1021834). That permission unlocked two new products — Klarna balance, an e-money wallet, and the Klarna Card, a Visa debit-first card issued instantly into Apple Wallet or Google Wallet — which went live in the UK from 16 October 2025, followed by the paid Memberships tiers on 27 October 2025.
The Klarna Card invite is the offer this page covers: it exists because Klarna is buying card-holder growth, which is why the qualifying bar is ordinary everyday spending rather than a large deposit or a full account switch.
8. Is Klarna Safe? Regulation, FSCS and Your Credit File
Klarna balance is not FSCS-protected. Klarna is an FCA-authorised Electronic Money Institution in the UK, not a deposit-taking bank, so the FSCS deposit guarantee doesn't apply. Customer funds are held in segregated safeguarding accounts under the Electronic Money Regulations 2011, which return funds in an insolvency but on a slower timetable than FSCS. For a £10 referral credit that's a non-issue — the practical rule is simply not to park large savings in a Klarna wallet. If you want FSCS-covered savings, see our Chip and Lloyds guides.
BNPL regulation starts 15 July 2026. Pay in 3 and Pay in 30 are being brought into the FCA's scope as “Deferred Payment Credit”, with a Temporary Permissions Regime that opened on 15 May 2026. From commencement, BNPL providers are expected to be subject to affordability checks, the FCA Consumer Duty and Financial Ombudsman access.
Klarna reports to credit reference agencies. Since June 2023 Klarna has shared UK Pay in 3 and Pay in 30 repayment behaviour with Experian, TransUnion and Equifax. Used well, that can help a thin credit file — see our credit score repair guide. Used badly, missed payments and referrals to debt collection leave a mark.
The Card's debit mode is different from BNPL. Debit-mode spending is regulated e-money with no credit check at sign-up. Flipping a purchase into Pay in 3 afterwards is a credit decision and carries the BNPL caveats above. You can complete this referral entirely in debit mode without ever borrowing.
9. Klarna vs Other UK Money-App Bonuses
Klarna's £10 asks for no deposit, no switch and no credit check — just three ordinary card purchases. Here's how it lands against the other bonuses we track:
| App | Bonus | Requirement | Effort |
|---|---|---|---|
| Klarna | £10 | 3 Card purchases of £10+ in 30 days | Low — everyday spending, no deposit |
| Monzo | £20–£100 mystery | One card payment | Very low — minutes |
| Chip | £50 | £1,000 held for 90 days | Medium — money must stay put |
| Lloyds Bank | £30 | Open a current account via link | Medium — credit check applies |
Sensible 2026 play: claim the quick, no-deposit wins first — Klarna and Monzo in the same week — then commit to the slower, larger ones like Chip. Our stacking guide shows how to sequence them without tripping eligibility rules.
10. Klarna is best for you if…
- You want a bonus without depositing money or switching bank
- You'd rather avoid a credit check — debit-mode sign-up doesn't need one
- You travel and want a card with no foreign exchange fees
- You already shop with Klarna but have never held the Klarna Card
Skip it if…
- You've held the Klarna Card before — you won't qualify
- You want FSCS-protected savings — Klarna balance is e-money, not deposits
- You know BNPL tempts you into spending you can't comfortably repay
- You won't realistically make three £10+ card purchases inside 30 days
11. Bonus Didn't Arrive? Work Through These
Klarna referrals fail for structural reasons, not because a “code expired”. Check these in order before hunting for another link:
- You never tapped “Accept invite”. Opening the link isn't enough — the accept action is what attaches the referral and starts the clock.
- Wrong device. The link needs to be opened, and the app installed or signed into, on the same handset. Typing the URL into a desktop browser breaks attribution.
- You've held the Klarna Card before. Card-specific exclusion, read strictly, even for a cancelled card.
- Excluded spending. Top-ups, transfers, gift-card loads, gambling and financial-services MCCs don't count, no matter the amount.
- Purchases too close together. Splitting one basket across two transactions in one session can be collapsed into a single qualifying event.
- Settlement fell outside the window. Authorisation on day 29 that settles on day 31 doesn't count.
- A qualifying purchase was returned. Klarna's terms remove the reward if the underlying action is reversed.
- The Klarna balance account was closed. The wallet must exist to receive the credit — keep it open until the £10 lands.
If everything above checks out and the £10 still hasn't appeared a few days after your third purchase settled, contact Klarna support in-app with the three transaction references and the date you accepted the invite.
12. Source Documentation & Verification
This offer was last verified in August 2026. Here's exactly how we check it:
- Open the invite link from a logged-out device and confirm the Klarna app's Accept invite screen and the £10 referee reward.
- Cross-check the three-purchase mechanic, the £10 minimum, the 30-day window and the exclusion list against Klarna's official UK refer-a-friend page and the terms shown in the Klarna app invite screen.
- Confirm Klarna Financial Services UK Limited (FRN 1021834) remains authorised on the FCA register.
- Re-verify monthly, and immediately whenever a reader reports a discrepancy.
- • Klarna UK refer-a-friend page — current official terms, reward value and eligibility (accessed August 2026)
- • Klarna UK refer-a-friend page
- • Klarna app — Klarna Card Invite screen (reward value, 30-day window, three-purchase requirement)
- • FCA Register — Klarna Financial Services UK Limited, EMI permission FRN 1021834
- • BonusBlueprint referral-link testing, August 2026
13. Frequently Asked Questions
Frequently asked questions
What do I get with the Klarna referral link in 2026?
New Klarna Card users get £10 credited to their Klarna balance. Accept the invite at https://l.klarna.com/22XC/invite_Md5TX4qOPzuhR_ww, sign up for the free Klarna Card, then make three separate Klarna Card purchases of £10 or more within 30 days of accepting the invite. Once the third qualifying purchase settles, the £10 lands in your Klarna balance wallet.
Is there a Klarna referral code to type in?
No. Klarna's refer-a-friend programme is link-only — attribution happens when you tap 'Accept invite' on a personal invite link inside the Klarna app. There is no code box at sign-up, so a code you find on a forum cannot be entered anywhere. Signing up directly at klarna.com or straight from the App Store will not attach the referral and no bonus is paid.
How do I claim the £10 Klarna Card bonus step by step?
Open https://l.klarna.com/22XC/invite_Md5TX4qOPzuhR_ww on the phone you'll use Klarna on, install or open the Klarna app, tap "Accept invite" (this starts the 30-day clock), apply for the free Klarna Card inside the app — the virtual Visa card lands in Apple Wallet or Google Wallet within minutes with no credit check for debit mode — then make three separate purchases of £10+ each at any Visa-accepting merchant within 30 days. Your £10 credits to your Klarna balance shortly after the third purchase clears.
What counts as a qualifying Klarna Card purchase?
A purchase of £10 or more made with the Klarna Card at a merchant that accepts Visa — online or in store, in the UK or abroad. Klarna excludes transfers (peer-to-peer or wallet-to-card moves), top-ups (loading your Klarna balance from a debit card), gambling and money-transfer merchant category codes, crypto purchases, gift-card and pre-paid-card loads, bill and debt payments, cash withdrawals, fees, insurance premiums and business-to-business transactions. Three separate transactions at three merchants is the safest pattern — avoid splitting one basket into two payments in the same session.
When does the 30-day Klarna referral clock start?
It starts the moment you tap 'Accept invite' on the invite link inside the Klarna app — not when the card is issued or when you first spend. The virtual card is issued instantly to Apple Wallet or Google Wallet, so there is no delivery wait on the free tier. Purchases must settle, not merely authorise, inside the 30 days.
Do I need to pay for a Klarna membership to qualify?
No. The free baseline Klarna account created when you sign up for the Klarna Card is enough to earn the £10. The paid Klarna Memberships tiers (Core from £1.99/month up to Max at £44.99/month) add a physical card, tiered cashback, subscription bundles and lounge access, but none of them are required for the referral bonus.
Can I still qualify if I already use Klarna Pay in 3?
Yes. The eligibility rule is Klarna Card–specific, not Klarna-account-wide. Existing Klarna Pay in 3 and Pay in 30 users qualify as new referees as long as they have never signed up for the Klarna Card. If you have held the Klarna Card before — even briefly during the October 2025 launch and then cancelled it — you will not qualify.
How is the £10 paid and can I withdraw it?
The £10 is credited to your Klarna balance, the e-money wallet automatically opened when you sign up for the Klarna Card. From there it can be spent at any Klarna checkout, spent through the Klarna Card at any Visa merchant, used to settle an outstanding Klarna BNPL plan, or withdrawn to a linked UK debit card. It is credit in your own name, not a retailer voucher, and Klarna balance credit does not expire. Keep the Klarna balance account open until the reward lands — the in-app 'balance required to redeem' note means the wallet must exist to receive it.
Why hasn't my Klarna referral bonus arrived?
The usual reasons are structural rather than an expired link: you previously held the Klarna Card; you never tapped 'Accept invite'; you opened the link on a different device from the one you installed Klarna on, breaking attribution; fewer than three purchases of £10+ settled inside the 30 days; or your spending was top-ups, transfers or excluded merchant categories rather than real merchant purchases. A returned or cancelled qualifying purchase also removes the reward under Klarna's referral terms.
Is Klarna balance FSCS-protected?
No. Klarna Financial Services UK Limited is authorised by the FCA as an Electronic Money Institution (firm reference number 1021834), not as a UK deposit-taking bank, so the FSCS deposit guarantee does not apply to Klarna balance. Customer funds are held in segregated safeguarding accounts under the Electronic Money Regulations 2011, which return funds in insolvency but on a slower timetable than FSCS. For a £10 referral credit this is a non-issue — just don't park large savings in a Klarna balance wallet long term.
Is Klarna BNPL regulated, and does it affect my credit file?
Klarna's Pay in 3 and Pay in 30 are Buy Now Pay Later products, brought into FCA regulation as Deferred Payment Credit from 15 July 2026, with a Temporary Permissions Regime that opened on 15 May 2026. Since June 2023 Klarna has reported UK BNPL repayment behaviour to Experian, TransUnion and Equifax, so on-time payments can help a thin credit file and missed payments can harm it. The Klarna Card in debit mode is regulated e-money and involves no credit check at sign-up; flipping a purchase into Pay in 3 afterwards is a credit decision.
Is the referral reward taxable?
Klarna's referral terms state that referral rewards may be subject to local income tax and that paying any tax arising is your responsibility. For a one-off £10 credit to a UK personal user this is realistically immaterial, but the term exists and is worth knowing if you claim a large number of rewards.
How did BonusBlueprint verify this Klarna referral offer?
We opened the invite link https://l.klarna.com/22XC/invite_Md5TX4qOPzuhR_ww from a logged-out device, confirmed the Klarna app's Accept invite screen and the £10 referee reward, and cross-checked the mechanics and exclusion list against Klarna's official UK refer-a-friend page and the in-app invite terms. Last verified August 2026.
Ready to claim your £10 Klarna bonus?
Accept the invite in the Klarna app, open the free Klarna Card and make three £10+ Card purchases within 30 days.
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