# Clearpay referral code — £10 off your first £50+ order

> Use Clearpay referral code BEHZA-T6T77 (link: clearpay.onelink.me/ah1q/y29lzkhk) at sign-up and you receive a promotional code for £10 of referral credit towards an eligible Clearpay purchase of £50 or more; the referrer gets £10 off their next eligible £50+ purchase once you complete a first order. New customers only — no Clearpay account in the past 12 months, 18+, permanent UK resident. Limit five referrals per customer, in-app only. Clearpay splits purchases into four interest-free instalments, but it is credit, it is not FCA-regulated, and late instalments cost £6.

## Quick facts
- Canonical URL: https://honestcodes.co.uk/codes/clearpay
- Referral link: https://clearpay.onelink.me/ah1q/y29lzkhk
- Code: `BEHZA-T6T77`
- Bonus: £10 off your first £50+ order
- Category: payments
- Status: live
- Last verified: 2026-09-17
- Eligible region: United Kingdom

## Benefit
Use Clearpay referral code BEHZA-T6T77 when you sign up and you receive a promotional code for £10 of referral credit towards an eligible Clearpay purchase of £50 or more. The person who invited you gets £10 off their next eligible £50+ purchase once you complete your first Clearpay order. Clearpay splits a purchase into four interest-free instalments taken every two weeks — the credit is interest-free, but it is still credit, and late instalments carry £6 fees.

## Eligibility
New Clearpay customers only — Clearpay defines a New Customer as someone without an active Clearpay account who has not held one in the past 12 calendar months. You must be 18 or over and a permanent UK resident (the Channel Islands are excluded). The £10 applies to an eligible purchase of £50 or more, and the code must be entered at sign-up. Clearpay caps the programme at five referrals per customer and it is available in-app only.

## How it works
1. Tap 'Open Clearpay' below, or download the Clearpay app and enter code BEHZA-T6T77 during sign-up — it is in-app only
2. Create your account and pass Clearpay's checks. You must be 18+, a permanent UK resident, and new to Clearpay (no account in the last 12 months)
3. Your £10 referral credit arrives as a promotional code attached to the account
4. Shop at any eligible Clearpay retailer and spend £50 or more — the £10 comes off at checkout, and the rest splits into four instalments taken every two weeks
5. Pay each instalment on time. A late instalment costs £6, and another £6 if it is still unpaid seven days later

## What the code gets you

Enter **BEHZA-T6T77** when you sign up to Clearpay and you receive a promotional code for **£10 of referral credit**, usable against an eligible Clearpay purchase of **£50 or more**.

Read the £50 condition before you plan around the £10. This is not £10 of free money that works on any basket — it is a discount that unlocks at a threshold:

| Your basket | What the £10 does |
|---|---|
| £30 | Nothing. Below the threshold |
| £50 | **£10 off — a 20% discount**, the best rate you will get from it |
| £100 | £10 off, a 10% discount |
| £250 | £10 off, a 4% discount |

The maths is unusual among referral offers: this one is worth **most** on the smallest qualifying order. If you have a £50–£60 purchase in mind at a Clearpay retailer, that is the moment to use it.

Both sides are rewarded. The person who invited you receives £10 off their own next eligible £50+ purchase, released once your first Clearpay order completes.

## How Clearpay works

A purchase splits into **four instalments taken every two weeks**. The first is usually taken at checkout and the rest follow fortnightly. Paying on time costs nothing extra — the instalments are genuinely interest-free.

That is the product's real appeal, and it is also why it needs stating plainly: **this is credit.** You are agreeing to four future payments, and the cost of getting one wrong is fixed and immediate.

## Payment schedule

| Situation | Charge |
|---|---|
| Instalment missed | **£6** |
| Still unpaid 7 days later | A further **£6** |
| Cap — orders under £24 | £6 total |
| Cap — orders £24 and over | The lower of **£24** or **25% of the order value** |

Clearpay publishes these in its terms, so the four instalment dates are worth putting in a calendar.

## About the product

Clearpay is explicit that its credit **is not regulated by the Financial Conduct Authority**. Buy-now-pay-later of this shape has sat outside the FCA's consumer-credit regime in the UK, which has two practical consequences: the affordability and disclosure rules that govern a regulated credit agreement do not bite the same way, and the complaints route you would expect on a regulated product is not the same.

Clearpay Finance Limited is a genuine UK company — registered in England and Wales, company number **05198026** — and the UK brand belongs to the Australian buy-now-pay-later business **Afterpay**, acquired by **Block, Inc.** in a deal completed in 2022. None of that is in question. The regulatory status simply is what it is, and you should know it before you take the £10.

## Who qualifies

- **Genuinely new.** Clearpay's New Customer definition is no active Clearpay account at the time of referral, and none within the **past 12 calendar months**. A dormant account from last year disqualifies you.
- **18 or over**, and a **permanent UK resident** — the Channel Islands are excluded.
- The code goes in **at sign-up**, in the app. Clearpay's referral screen states the programme is **available in-app only**.
- **Five referrals per customer.** Once you are in, that is your ceiling.

## Clearpay or Klarna?

Both are on this site, both are credit, and they pay differently:

| | Clearpay | Klarna |
|---|---|---|
| What you get | £10 credit against an eligible **£50+** purchase | **£10** into your Klarna balance |
| What you must do | Sign up and make a qualifying purchase | Three Klarna Card purchases of £10+ within 30 days |
| Where the money works | That one Clearpay order | Anywhere the Klarna Card works, or withdraw to a linked debit card |
| Late payment | £6, then £6 more after 7 days | Klarna's own fee schedule applies |
| Referral cap | **5 per customer** | Uncapped |

Klarna's reward is more flexible and needs more activity. Clearpay's is a bigger single discount and needs one £50 purchase. If you have that purchase lined up, Clearpay wins on rate; if you want money you can spend freely, Klarna wins.

## Who it suits

| You are | Verdict |
|---|---|
| About to spend £50–£60 at a Clearpay retailer | **Strong** — a 20% discount on a purchase you were making |
| A regular BNPL user who always pays on time | **Good** — the credit is genuinely interest-free |
| Buying something under £50 | **Save it** — the £10 waits until a £50 basket comes along |
| Keen to keep it simple | **Diarise the four dates** — the instalments are interest-free when they land on time |
| Wanting spendable cash | **Look at Klarna instead** — this £10 is locked to one order |

## Source documentation

The reward structure, the £50 minimum, the New Customer definition (no active account and none in the past 12 calendar months) and the 18+/permanent-UK-resident requirement come from **Clearpay's own Refer Terms** at clearpay.co.uk/en-GB/refer-terms. The late-fee schedule and its caps, and the statement that Clearpay credit is not regulated by the Financial Conduct Authority, come from Clearpay's published fee and product terms. The five-referral limit and the in-app-only condition are quoted from Clearpay's in-app referral screen. Company details (Clearpay Finance Limited, number 05198026) are from those terms; the Afterpay/Block corporate history is from public company records and reporting. Clearpay sets these terms and can change them without notice — HonestCodes link-checks this referral daily and re-reads the terms on the date shown at the top of this page.

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## Frequently asked questions

### Is the Clearpay referral code BEHZA-T6T77 still working in 2026?

Yes — verified on the date shown at the top of this page. Clearpay's own refer-a-friend terms give a referred customer a promotional code for £10 of referral credit towards an eligible purchase of £50 or more, and the person who referred them £10 off their next eligible £50+ purchase once the new customer completes a first order. HonestCodes link-checks this daily.

### Do I need to spend £50 to use the £10?

Yes. The £10 is referral credit against an eligible Clearpay purchase of £50 or more — it is not £10 of free money and it will not apply to a £30 basket. In practice that makes it a 20% discount on a £50 order, which is a strong rate, but only if you were going to spend £50 at a Clearpay retailer anyway.

### What counts as a new Clearpay customer?

Clearpay's definition is specific: someone who does not have an active Clearpay account at the time of the referral and has not had one within the past 12 calendar months. A dormant account you opened last year will disqualify you. You also need to be 18 or over and a permanent UK resident — the Channel Islands are excluded.

### Is Clearpay interest-free, and is there a catch?

The instalments are genuinely interest-free: a purchase splits into four payments taken every two weeks, and paying on time costs nothing extra. The schedule is straightforward: A missed instalment costs £6, with a further £6 if it is still unpaid after seven days. Fees are capped at £6 on orders under £24, and at the lower of £24 or 25% of the order value above that. Missed payments may also restrict your future access to Clearpay.

### Is Clearpay regulated by the FCA?

No — and this matters more than most pages admit. Clearpay states plainly that its credit is not regulated by the Financial Conduct Authority. That means the protections you would get on a regulated credit agreement, including the FCA complaints route to the Financial Ombudsman Service for the credit itself, do not apply in the same way. Clearpay Finance Limited is a real UK company (number 05198026), but the product sits outside the FCA's consumer-credit regime.

### How many friends can I refer once I am in?

Five. Clearpay's in-app referral screen states a limit of five referrals per customer and that the programme is available in-app only. That is a genuinely capped scheme — unlike the uncapped fintech bonuses elsewhere on this site, there is a ceiling on what anyone can earn from it.

### Does using Clearpay affect my credit file?

Clearpay's own product sits outside FCA regulation, and buy-now-pay-later reporting to credit reference agencies has been inconsistent across the sector. Clearpay's own terms set out what happens on late payment, so keeping the four instalment dates in your calendar is all it takes.

### Clearpay or Klarna — which referral is better?

They reward differently. Klarna's referral pays £10 into your Klarna balance after three Klarna Card purchases of £10 or more within 30 days, so the money is yours to spend anywhere the card works. Clearpay's £10 is credit locked to a single eligible purchase of £50 or more. Klarna's is more flexible; Clearpay's is worth more per pound spent if you have a £50 order lined up. Both are credit, and both charge for late payment.

### Who runs Clearpay?

Clearpay is the UK brand of the Australian buy-now-pay-later company Afterpay, operated here by Clearpay Finance Limited, registered in England and Wales with company number 05198026. Afterpay was acquired by Block, Inc. (formerly Square) in a deal completed in 2022. The UK product is the same four-instalment model the brand runs elsewhere.