Klarna Referral Program: Give $20, Get $60
Share your Klarna referral link (there’s no code to type in — it’s a tracked link) with a friend. When they sign up for a Klarna Card membership through it and complete 3 purchases of at least $10 each within 30 days, you receive $60 in cashback rewards and they receive $20. Both sides have to complete their part, or neither reward posts. Rewards are capped at 10 successful referrals per person, and the cashback lands as Klarna balance rather than a direct deposit.
The catch: this specific referral bonus is tied to the Klarna Card, a U.S. credit product issued in partnership with WebBank, so it requires signing up for and being approved for the card — it’s not just “download the app and shop” like Klarna’s older referral offer used to be.
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How to Claim It
Get your link. If you’re already a Klarna user, find “Refer a friend” in the app. New to Klarna? Sign up here first.
Share it. Send your referral link to a friend who doesn’t already have a Klarna account.
Applied automatically through our link — no code needed.
They apply for the Klarna Card. Your friend signs up for a Klarna Card membership through your link and gets approved.
They make 3 qualifying purchases. Each purchase needs to be $10 or more, completed within 30 days of signing up.
You both get paid. Your friend’s $20 and your $60 post as Klarna cashback rewards once the requirements clear.
What Is Klarna?
Klarna is a buy-now-pay-later and shopping app that lets you split purchases into installments instead of paying the full amount up front. Its core products are Pay in 4 (split a purchase into 4 interest-free payments every two weeks), Pay in 30 days (try before you pay), and monthly financing for larger purchases through Klarna’s banking partner. You can shop directly through the Klarna app, use it at checkout with participating retailers, or apply the Klarna Card at stores that don’t otherwise offer Klarna.
Frequently Asked Questions
Is there an actual Klarna referral code to type in?
No — Klarna’s referral program runs on a personal tracked link, not a code. Use this link and the referral is applied automatically.
Do I need to sign up for the Klarna Card to get the bonus?
Yes, at last check — the current $20/$60 referral bonus is tied specifically to Klarna Card membership, a U.S. credit card product. General Klarna shopping (Pay in 4, Pay in 30 days) doesn’t trigger this particular referral reward.
How is the $60 reward paid out?
As Klarna cashback rewards added to your Klarna balance, not a bank deposit or gift card. You’ll need a Klarna account to redeem it.
Is there a limit on how many friends I can refer?
Yes — rewards are capped at 10 successful referrals per person, at last check.
When was this page last checked?
We verified Klarna’s current refer-a-friend terms directly on klarna.com in July 2026. This is a meaningfully different program than the smaller sign-up bonus this page used to describe — terms can change again, so confirm what’s shown in your account before referring someone.
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No code to type.
The link is the deal at Klarna.
$60 Referral Bonus — applied automatically through our Klarna link.
Claim the Klarna offer