Klarna is best known for its popular “buy now, pay later” service, but it has recently launched its own debit card in the UK. To encourage people to try it, Klarna is currently offering a £10 cashback bonus when you sign up, get the debit card and complete three qualifying purchases.
The offer is available to both new Klarna customers and existing customers who don’t already have a Klarna debit card. Once you’ve qualified for your £10 bonus, you’ll also receive your own referral link and can earn £40 for each friend you refer, with a maximum of 10 referrals worth up to £400.
In this guide, I’ll explain exactly how the offer works, how to qualify for the £10 bonus, and a simple way to complete the required purchases.
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How To Qualify For The £10 Bonus
Getting the £10 bonus is fairly straightforward:
Step 1: Sign up to Klarna using the referral link and apply for the Klarna Debit Card.
Step 2: Verify I.D
Step 3: Add the card to Apple Pay or Google Pay (or wait for your physical card to arrive).
Step 4: Make 3 separate purchases of £5 or more within 30 days of signing up. (I brought 3 x £5 Amazon gift card top ups straightaway)
Step 4: Once your third qualifying transaction has been processed, the £10 bonus will be instantly credited to your Klarna cashback balance.
Step 5: Withdraw the cashback to your bank account.
A simple way to complete the spending requirement is to use the card for purchases you would normally make anyway, such as groceries, fuel or lunch.
Alternatively, some people may prefer to purchase 3 x £5 Amazon gift cards, which also fulfils the spending requirement while giving you something you’ll likely use in the future.
Important: You have 30 days from signing up to complete your 3 qualifying purchases, so don’t leave it until the last minute.
Klarna £10 Referral Link Here
Is Klarna Legit?
Yes, Klarna is a legitimate financial technology company that serves millions of customers worldwide. While many people know Klarna for its “buy now, pay later” services, the company has expanded into banking and payment products, including its new debit card.
Klarna has been operating since 2005 and is regulated to provide financial services in the markets where it operates. It is also one of the most recognised fintech brands in Europe, partnering with thousands of retailers and businesses.
I’ve personally completed this offer myself and received the bonus shortly after making my third qualifying purchase. If you’re already comfortable using Klarna, this is a straightforward way to pick up an extra £10 and potentially earn more through referrals.
Earn Up To £400 In Referral Rewards
The £10 sign-up bonus is nice, but the real value in this offer comes from Klarna’s referral programme.
Once you’ve successfully completed the offer and received your debit card, you’ll be given your own referral link to share with friends and family.
For each person who signs up through your link, gets a Klarna Debit Card and completes the qualifying requirements, you’ll receive £40.
You can earn referral rewards for up to 10 successful referrals, giving you the opportunity to make a total of £400.
If you know a few people who would be interested in a straightforward £10 sign-up bonus, the referral earnings can add up surprisingly quickly.
| Successful Referrals | Earnings |
|---|---|
| 1 Referral | £40 |
| 3 Referrals | £120 |
| 5 Referrals | £200 |
| 10 Referrals | £400 |
As always, referral offers can change or be withdrawn at any time, so it’s worth taking advantage of them while they’re available.
Frequently Asked Questions
Who Can Get The £10 Bonus?
The offer is available to new Klarna customers and existing Klarna customers who do not already have a Klarna Debit Card. You’ll need to sign up through a referral link and complete the qualifying requirements.
What Do I Need To Do To Qualify?
You’ll need to:
✅ Sign up using a referral link
✅ Apply for a Klarna Debit Card
✅ Make 3 separate purchases of £5 or more
✅ Complete the purchases within 30 days of signing up
Once you’ve done this, the £10 reward should be added to your Klarna cashback balance.
How Long Do I Have To Complete The Purchases?
You have 30 days from signing up to make your 3 qualifying purchases.
What Counts As A Qualifying Purchase?
The purchases must be genuine transactions of at least £5 each using your Klarna Debit Card.
A simple option is to use the card for everyday spending such as groceries, fuel or lunch. Alternatively, many people choose to buy 3 x £5 Amazon gift cards.
How Will I Receive My £10 Bonus?
The reward is paid into your Klarna cashback balance. Once credited, you can withdraw the money to your bank account.
How Long Does The Bonus Take To Arrive?
In my case, the reward appeared shortly after my third qualifying transaction. However, processing times can vary, so allow a little extra time if it doesn’t appear immediately.
Do I Need To Wait For The Physical Card?
Not necessarily. Once approved, many users are able to add the card to Apple Pay or Google Pay and start making qualifying purchases before the physical card arrives.
How Do The Referral Rewards Work?
After qualifying, you’ll receive your own referral link.
For each eligible friend who signs up and completes the requirements, you’ll earn £40.
You can earn referral rewards on up to 10 successful referrals, giving a maximum earning potential of £400.
Is There A Limit To How Much I Can Earn?
Yes. Klarna currently limits referral rewards to 10 successful referrals, which means the maximum available through the programme is £400.
Can The Offer Be Withdrawn?
Yes. Referral promotions can change, end or have their terms amended at any time. Always check the latest terms before signing up.
If you haven’t already: