Offer Overview
Klarna is offering £10 when you join through an eligible referral, set up the Klarna Card and make 3 qualifying card purchases of at least £10 each within 30 days.
You'll need
- Join through an eligible Klarna referral
- Set up the required Klarna account and Card
- Complete any identity checks Klarna requests
- Make 3 separate £10+ Klarna Card purchases within 30 days
Eligibility
- Aged 18 or over
- UK resident
- New Klarna customer using an eligible referral
- Have an eligible bank account or payment card and receive verification codes by text
Once you complete the offer, Klarna may also let you refer friends and earn £40 per successful referral, currently capped at 10 qualifying referrals.
Check the live referral screen
Klarna changes referral campaigns. Before proceeding, confirm that your referral still shows £10 reward → 3 qualifying purchases and check the minimum spend displayed in the app.
No BNPL required
This offer is about spending with the Klarna Card. You do not need to deliberately borrow through Pay in 3, Pay in 30 or another credit feature.
- Check that I'm eligible for the Klarna referral offer
- Confirm the £10 offer is showing
Get a Klarna referral
You need to join through a valid Klarna referral link for the £10 offer to track.
Use Find me a link in Bank Boost to access an eligible Klarna referral from the referral pool. If you already have a valid Klarna invite from someone you know, you can use that instead.
Open the referral link on the phone you will use for Klarna and follow it into the app.
Make sure the invite attaches
Complete the referral flow before signing up for the Klarna Card. You should see the referral offer acknowledged inside Klarna before moving on. Do not download Klarna independently and assume you can add the referral later.
Referral-sharing rules
Only use or submit referral assets through Bank Boost where doing so complies with Klarna’s current referral terms. Public referral sharing may put a reward at risk.
- Get a valid Klarna referral link
- Open the referral before setting up the Klarna Card
Set up your Klarna Card
Open the Klarna app and complete your account setup. Follow the referral journey and apply for the Klarna Card when prompted.
Klarna may ask for your personal details, mobile-number verification, identity verification and an eligible linked bank account or payment card.
Once approved, you can normally begin using your virtual Klarna Card digitally rather than waiting for a physical card. Add it to Apple Pay or Google Wallet if useful.
Choose the free option
You do not need to take out a paid membership purely to earn this £10 bonus. Only choose a paid plan if its additional benefits are genuinely useful to you.
- Complete my Klarna account setup
- Set up my Klarna Card
- Add the Card to my digital wallet if useful
Add spending money
Have enough available funds to make 3 purchases of at least £10 each.
The simplest approach is to add around £30 to your Klarna Balance and use the Card like a normal spending card.
Use money you would spend anyway, such as on groceries, lunch, household shopping or everyday retail purchases.
Keep it simple
If you fund your Klarna Balance first and spend from available balance, you do not need to use Klarna borrowing to qualify.
- Have at least £30 available for my qualifying purchases
Make 3 £10+ purchases
Make 3 separate qualifying purchases of at least £10 each within 30 days with your Klarna Card.
Use three ordinary retail purchases, such as a £10+ grocery shop, everyday shopping and a normal retail purchase. The transactions must be genuine purchases rather than financial transfers designed purely to trigger the promotion.
Avoid top-ups and restricted transactions
Avoid bank or card transfers, account top-ups, financial-services transactions, gambling, utility or rent payments, cash-like transactions and gift cards.
A card transaction may initially show as pending. Let all three purchases fully settle before checking whether the reward has appeared.
- Make qualifying £10+ purchase 1
- Make qualifying £10+ purchase 2
- Make qualifying £10+ purchase 3
Get your £10 and refer friends
Once all 3 qualifying transactions have completed, Klarna adds the £10 reward to your Klarna rewards or balance area.
Open Klarna and look for the reward or cashback tile. Depending on the current app layout, select Redeem and move the £10 into your Klarna Balance. You can then use the money through Klarna or transfer available balance back to your linked bank account.
If the reward is missing
Check that you accepted the referral correctly, the Klarna Card was linked to the offer, all 3 transactions met the displayed minimum, they fully settled and everything was completed within 30 days.
Once eligible, the current campaign may pay £40 per successful friend, up to 10 rewarded referrals. That is a maximum of £400, subject to the live terms in your Klarna app.
Add referrals only when permitted
If Klarna gives you an eligible referral link and its current terms permit the way it will be shared, you can add it to the Bank Boost referral pool while the promotion remains active.
- Receive and redeem my £10 reward
- Transfer or spend the £10
- Check whether I can refer friends
- Add my referral asset to Bank Boost if eligible