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, you just make one £5 purchase within 30 days with a wallet most people already have. 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.
| 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 — uses your existing PayPal wallet |
| Eligibility | New Klarna Card customer, UK, 18+ | New / selected UK users, 18+, by invite |
| Reward window | Within 30 days of accepting the invite | Campaign to 30 June 2026; reward expires 30 Sept 2026 |
| Best for | If you want the Klarna Card too | If you already shop with PayPal |
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 uses the wallet you probably already have: open or sign in to a personal PayPal account through the invite, make one qualifying purchase of £5 or more 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 and already have a PayPal account in good standing — 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 and you just make one £5 purchase within 30 days using a wallet you likely already have. 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.
Verified against each brand's own terms · 30 May 2026