+£10
15 mins
Klarna
£10 Free Cash•15 mins
£10 Free Cash
+£10What is Klarna?
Klarna is a Swedish fintech founded in 2005, best known in the UK for its Buy Now Pay Later service. Used by over 85 million customers worldwide and 11 million in the UK.
In 2025, Klarna launched its first UK virtual debit card and digital wallet, backed by Visa. Klarna Financial Services UK Ltd is authorised by the FCA as an electronic money institution. Your wallet balance is safeguarded under e-money rules.
Launched
2005
Customers
11m+
Google Play
4.8 (1700k)
★★★★★★
Key Terms
Profit
+£10
Credit checkSoft check
Make a purchaseThree purchases of £5+
Free cash£10
Free cash arrivesInstant
Step by Step Guide
Chris's overview
Optional·1 min read
Klarna are giving away £10 free cash when you sign up to their new virtual debit card and make 3 small transactions. The bonus lands instantly after your third transaction.
Each transaction only needs to be £5 or more, so just use the card during your normal shopping over the next 30 days. There is a soft credit check to set up the card, which does not affect your credit score.
Once paid, you can spend the £10 on your next purchase or send it straight back to your bank.
One thing to watch: top-ups do not count towards the 3 transactions. Topping up to buy a gift card via EverUp, or sending a bank transfer, will not qualify. Buying three £5 Amazon gift cards directly on the card does currently work though.
1
Sign up to Klarna
5 mins
- Click the button below to receive an email with your Klarna sign-up link
- Open your email and click the link to open Klarna
- Either sign in (if you already have a Klarna account) or create a new account with your email
- Choose the standard membership to keep your account free
2
Get your virtual debit card and add £15
5 mins
- Apply for the Klarna virtual debit card from the app or website (from the app: tap Wallet, then 'Activate Now Your Klarna Card'. Select the Basic card and standard membership)
- Klarna run a soft credit check, which does not affect your credit score
- Add £15 to your Klarna balance in the Wallet section
The £15 is just money you will spend during normal shopping. You are not handing it over to Klarna. It sits in your wallet until you spend it on the virtual debit card.
3
Make 3 transactions of £5+
3 mins
- Use your Klarna virtual debit card the next 3 times you shop online or in-store
- Each transaction needs to be £5 or more
- A couple of ways to do this:
- Option 1: Buy three £5 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 £5 each. Add enough to your Klarna balance to cover your £15+ 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
4
Receive £10 free cash
2 mins
- The £10 lands in your Klarna balance instantly after your 3rd transaction
- Find it on the Klarna homepage under ‘Membership’
- Spend it on your next purchase or withdraw it straight to your bank account
Offer Complete
Done? Tick off each step above to see your total.
Quidsy Share: More Free Cash
Make £40 per friend with Klarna
Klarna gives you £40 for every friend you refer, up to a maximum of 10 friends.
1Add your Klarna link to Quidsy
2Share your Quidsy link
Your friends will always see your links, such as Klarna, in the guide above.
Sign in to grab your Quidsy invite link and start earning.
Quick Klarna Review
Completed the offer? Awesome! Here's our full review on why Klarna could work well for you going forward.
Klarna 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 £15 you would have spent anyway, make 3 transactions during your normal shopping, and get £10 back instantly. That is a 67% return on money you were going to spend regardless, with only a soft credit check. Easy yes.
