# 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.

## Quick facts
- Canonical URL: https://honestcodes.co.uk/guides/klarna-vs-paypal-referral
- Comparing: https://honestcodes.co.uk/codes/klarna, https://honestcodes.co.uk/codes/paypal
- Last verified: 2026-05-30
- Eligible region: United Kingdom

## Comparison

| | 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.