
Klarna
Klarna is a payments app best known for Buy Now Pay Later. This guide covers its virtual Visa card.
£10 free cash. This is credited within 3 days once you meet the criteria.
Sign up to Klarna debit card using the below referral link. Make 3 card payments of £10 or more within 30 days. Online (e.g. Amazon gift card) or contactless (e.g. shopping) count.

Quick review
Wondering whether Klarna is worth it beyond the bonus? Here is our honest take.
Klarna is an FCA-authorised fintech offering a UK wallet, virtual Visa debit card and Buy Now Pay Later. Quidsy lists a free cash offer for new wallet users who load and spend on a few everyday purchases. Handy as a spending top-up alongside your main bank, not a full current account replacement.
Chris' verdictYour personal guide, QuidsyKlarna is a useful add-on for anyone who already shops with retailers that accept it. The new virtual debit card is a nice extension of the wallet. Fine as a top-up spending card, but not a full bank account replacement.
For this £10 bonus, the maths is simple: load £30 you would have spent anyway, make 3 transactions during your normal shopping, and get £10 back instantly. Any leftover can be transferred straight back to your bank, with only a soft credit check. Easy yes.
Klarna Financial Services UK Ltd is authorised by the Financial Conduct Authority for electronic money issuance (FRN 1021834) and consumer credit (FRN 987889). Klarna Balance is safeguarded under e-money rules, not protected by the Financial Services Compensation Scheme.
Klarna run a soft credit check, which does not affect your credit score
Each transaction needs to be £10 or more
A couple of ways to do this:
Option 1: Buy three £10 Amazon gift cards using your Klarna card
Option 2: Next time you do your supermarket shopping, divide your items into three separate transactions of at least £10 each. Add enough to your Klarna balance to cover your £30+ shop, then transfer any leftover back to your main bank account
Top-ups do not count. It needs to be real spending on the card
You have 30 days from signing up to complete the 3 transactions
The £10 lands in your Klarna balance instantly after your 3rd transaction
Spend it on your next purchase or withdraw it straight to your bank account