How much does Klarna pay for a referral?

Klarna pays the referrer $60 in points. The invited person gets $20 in points.

Who can use the Klarna referral program?

The friend signs up via your link, enrolls in a monthly membership to get a Klarna Card, and makes three purchases of $10 or more — all within 30 days. If their card application is denied, nobody is paid.

Klarna referral program

Q: Does Klarna have a referral program?

Yes — Klarna runs a referral program. Genuinely two-sided, but the bar is high: your friend has to take out a paid membership and spend three times before either of you sees anything. Last checked 22 July 2026.

klarna.com

Yes

Referral program active

Genuinely two-sided, but the bar is high: your friend has to take out a paid membership and spend three times before either of you sees anything.

You get $60 in points US figure; the UK program pays £40 instead

They get $20 in points £10 in the UK program

We hold no Klarna referral link

Referral program active

This one is not open to everyone. Whether you can invite anybody depends on your account, and it is offered in-product rather than advertised.

Official terms

Share your Klarna invite link

We hold no link for this one — nobody can have an account everywhere. Add yours and it goes in front of the next person who asks.

Referral linkOr a code

If we already hold a link for this one, yours goes on file rather than live — we swap it in if it turns out to be the better offer.

What Klarna pays for inviting a friend

Program type: Refer a friend — run by the vendor
Qualifies on: The friend signs up via your link, enrolls in a monthly membership to get a Klarna Card, and makes three purchases of $10 or more — all within 30 days. If their card application is denied, nobody is paid.
Payout delay: Points credited within a few days of the friend finishing the steps
Cap: Capped per campaign; the 2025 US terms allowed 10
Availability: Strongly geo-fenced: separate US and UK programs, each limited to residents of that market

Klarna keeps re-running this with different mechanics — the 2025 US version was a $20 discount with nothing for the friend. Re-check per market.

Other Fintech referral programs

AllTrust Active Brighty Active Curve Active EarnFM Active Interactive Brokers Active KAST Active

Has the Klarna offer changed?

No changes recorded since we started tracking this.