Klarna Referral Program

Sign up using a Klarna referral link to activate the welcome bonus, then make your first purchase of at least £10 (around $12 USD).

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Klarna Referral Link

Klarna has become a favorite for shoppers who want flexible payment options at checkout. Instead of paying upfront, you can split payments, delay them, or pay in full depending on the store. What makes Klarna even more appealing in 2025 is its limited-time referral program, which rewards you with the equivalent of $20 (or £20 in the UK) each time a friend completes a qualifying purchase — up to $200/£200 total.

I’ve tried this myself, and the rewards tracked faster than I expected once a friend’s purchase cleared. Based on my experience and Klarna’s official UK terms, here’s exactly how the program works depending on your region.

How Klarna’s $20-Per-Friend Referral Bonus Works (Up to $200)

Here’s Klarna’s current offer:

• You earn $20 off your next purchase at a partner store
• Your friend must use your invite link
• They must be someone who hasn’t used Klarna in the last 12 months
• They must make a qualifying purchase with Pay in Full, Pay in 4, or Pay in 30
• They only have 7 days from accepting your invite to complete the purchase
• You can earn up to 10 rewards, totaling $200

The reward applies to purchases of $60 or more, paid with Klarna at a participating partner.

This structure makes the referral system straightforward. Your friend gets the convenience of using Klarna’s flexible payment options, and you earn discount credits that stack up quickly.

How to Claim Your Klarna Welcome Bonus

If you’re planning to try Klarna, signing up through a referral link unlocks a welcome bonus after your first qualifying purchase. Here’s how to make sure the reward tracks correctly.

Step 1: Sign Up Using a Klarna Referral Link

Start by opening this invite link. Using a referral link is required for the welcome bonus to activate.

Step 2: Create and Verify Your Klarna Account

Set up your profile inside the app, complete verification, and enable the features you need for shopping.

Step 3: Make Your First Qualifying Purchase

To receive the welcome reward under the UK 2025 promotional rules, the first purchase must be:

• at least £10 (around $12 USD)

• completed online

• paid with Pay in Full, Pay in 3, Pay in 30, or the One-time Card

• successfully processed (first payment must go through)

Once the purchase clears, Klarna credits the £20/$20 welcome reward within 30 days.

How to Get Additional Earnings (After Sign-Up)

Once you’ve signed up and received your own welcome bonus, you can earn another set of rewards by sharing your referral link and inviting friends. Here’s how to make sure your referral rewards track correctly:

Step 1: Open Your Personal Referral Link

Inside the Klarna app, go to Invite Friends to get your unique referral link.
(This bonus is separate from the sign-up reward — this is how you earn money for inviting others.)

Step 2: Share It Privately

Send your link directly to friends, family, or acquaintances.
(UK terms don’t allow posting your link publicly on social media, forums, or group blasts.)

Step 3: Your Friend Accepts Your Invite

They tap your link and enter their email to confirm the invitation.

Step 4: Your Friend Makes a Qualifying Purchase

For your bonus to unlock, their purchase must:

• be £10+ (around $12 USD)

• be online

• be completed within 7 days of accepting your invite

• be paid using Klarna (Pay in Full, Pay in 3/4, Pay in 30, or One-time Card — depending on region)

• have their first payment successfully processed

Step 5: You Receive Your $20/£20 Referral Reward

Once your friend meets all requirements:

• Klarna issues your reward within 30 days

• You have 90 days to use your bonus

• It applies to a £60+ purchase (about $75 USD)

• It works only at participating Klarna partner stores

• Klarna Card and One-time Card can’t be used to redeem the reward

Your Klarna app will show:

• which friends have qualified

• your running reward total

• how close you are to hitting the $200/£200 maximum

Why Shoppers Like Klarna’s Flexibility

Klarna makes everyday shopping feel smoother. The schedule is clear, the app is intuitive, and you can pay however fits your budget. Whether shopping online, stocking up on household items, or grabbing sales when they pop up, Klarna’s options can make larger purchases easier to manage.

If you shop in bulk or stock up during sales at places like Sam’s Club, Klarna can make those larger household purchases easier to manage. And if you use cashback tools such as Rakuten, Klarna can pair nicely with it — some stores allow you to earn cashback through Rakuten and still choose Klarna at checkout when supported. That combination can stretch your budget further without adding complexity.

Frequently Asked Questions

How much can I earn?
Up to $200 (or £200) total — at $20/£20 per successful referral.

What does my friend need to do?
Accept your invite, be new or inactive for 12 months, and complete a qualifying online purchase within 7 days.

What’s the minimum spend to use my reward?
A £60+ purchase (about $75 USD) at a Klarna partner store.

Is the reward instant?
Klarna issues it within 30 days after your friend’s purchase clears.

Can I refer more than 10 friends?
Yes — but only 10 will count toward rewards.

Can I redeem my reward using all Klarna methods?
Not quite. UK rules exclude the One-time Card and the Klarna Card for reward redemption.

Final Thoughts

Klarna’s 2025 referral program is one of the easier ways to earn quick rewards on purchases you would already be making. Earning $20/£20 per friend adds up fast, and your friend’s requirements are simple: click your link, sign up, and make one qualifying online purchase.

Here’s our Klarna referral link again in case you’ve finally decided to sign up!