Klarna vs PayPal referral: which £10 UK invite is easier to claim in 2026?
Both pay you £10, so pick by effort. PayPal is the lower-friction route — no card application: open a new personal PayPal account through the invite and make one £5 purchase within 30 days. Klarna is the one to choose if you actually want the Klarna Card, since the £10 unlocks after you sign up for the Card and make three Card purchases of £5 or more. Want the £10 for the least hassle? PayPal. Want a new payment card as well? Klarna gives you both.
Key takeaways
- Both pay the joiner £10 and are two-sided — so choose by effort, not by amount.
- PayPal is lower-friction: open a new personal account through the invite and make one £5+ purchase in pounds within 30 days — live as of September 2026; the £10 lands as credit in your Offers section, to use by the expiry date shown there.
- Klarna pays the same £10 but needs a Klarna Card sign-up plus three Card purchases of £5+ within 30 days — pick it only if you also want the card.
- Klarna's referrer reward is capped at 10 paid invites (£400 maximum); both programmes are separate, so you can claim each once as an eligible customer.
| Klarna | PayPal | |
|---|---|---|
| What you get | £10 | £10 |
| Who gets paid | Both sides (you + the inviter) | Both sides (you + the inviter) |
| What you do | Get the Klarna Card, then make 3 Card purchases of £5+ within 30 days | Make one £5+ PayPal purchase within 30 days |
| Card application | Yes — you sign up for the Klarna Card | No — just a new personal PayPal account |
| Eligibility | New Klarna Card customer, UK, 18+ | New UK personal account, 18+, by invite |
| Reward window | Within 30 days of accepting the invite | £5 purchase within 30 days of sign-up; use the £10 by the date in Offers |
| Best for | If you want the Klarna Card too | The £10 for the least effort |
How the two £10 offers work
Both programmes are two-sided and pay the person joining £10, verified against each brand's own published terms and re-checked monthly. The difference is the route. PayPal is the simpler route: open a new personal PayPal account through the invite, make one qualifying purchase of £5 or more in pounds within 30 days, and a £10 reward lands for both you and the person who invited you.
Klarna pays the same £10 to the new user but is a card sign-up: you accept the invite, apply for the Klarna Card, then make three Card purchases of £5 or more within 30 days. Once the third clears, £10 lands in your Klarna balance (the inviter earns more on their side). It is the better pick only if you genuinely want the card.
Which should you choose?
Choose PayPal if you want the £10 with the least friction — open the account through the invite, make one £5 purchase and you're done. Choose Klarna if you want a new card to spread or defer payments and are happy to apply for it before the £10 unlocks.
There's no reason you can't claim both over time — they're separate programmes from different companies, each for a genuinely new customer on that service.
Frequently asked questions
Is the Klarna or PayPal referral easier to claim in 2026?
PayPal is usually easier: there's no card application — you open a new personal account through the invite and make one £5 purchase within 30 days. Klarna pays the same £10 to the joiner, but you first sign up for the Klarna Card and make three Card purchases of £5 or more.
Can I claim both the Klarna and PayPal referral?
Yes — they are separate programmes from different companies, so you can claim each once as a new or eligible customer. Both are two-sided, so the person who invited you also earns a reward when you complete the qualifying steps.
Keep reading
Verified against each brand's own terms · 23 October 2026 · Checked by Bez, Editor-in-Chief