Refer a friend.
Earn $60, give $20.
Share the Klarna love and unlock rewards for you and your friends.¹
How it works
Invite your friend
Share your unique referral link with a friend. They have 30 days from signing up to complete all steps.
Your friend gets a Klarna Card
Your friend chooses a monthly membership to sign up for a Klarna Card.
Get rewarded
Your friend makes 3 purchases with the Klarna Card (min $10) within 30 days. You’ll get $60 and they’ll get $20. Refer up to 10 friends.
Track your rewards
View your referral activity anytime in the app. Track who you’ve invited, follow their progress, and see how many days they have remaining to complete the steps.
Pay with Klarna everywhere
Get the Klarna Card² and pay flexibly anywhere Visa is accepted, online and in-store. Invite your friends to sign up and you’ll both be rewarded. Earn $60 for every friend who joins, and they’ll get $20 to get started.
Frequently asked questions
Questions about Klarna's referral program? Find answers for referrers and invited friends below. For any further help or troubleshooting, please contact customer service.
Referring a friend
Share your unique invite link with friends via email, SMS, or WhatsApp. Your friends will then have to complete a few steps. You can track the status of your referrals in the app.
You can refer friends if you're an existing Klarna customer with no outstanding overdue balance.
No, you don’t need a Klarna Card to invite friends to Klarna. However, you must be eligible for and open a Klarna balance in order to redeem your cashback points for your reward.
You can refer anyone who hasn't used the Klarna Card yet.
You can track your referral status and view your rewards in the Klarna app.
Your reward will be awarded as Klarna Cashback Rewards points and added to your cashback home within a few days of your friend completing their qualifying purchases. From there, you can redeem your cashback to your Klarna balance. You can track the status in the app.
You can refer as many friends as you like, but rewards are only available up to the maximum number of successful referrals for the current campaign. Once your referred friend completes the required steps, they can refer their own friends and earn rewards too.
Good news! They can still participate. As long as your friend hasn't made a purchase with the Klarna Card yet they're eligible to be referred.
If your friend's Klarna Card application isn't approved, the referral won't be completed and no reward will be issued for that referral.
Yes, when your reward expires depends on your Klarna membership plan. Your rewards are paid as cashback.
Without a membership, cashback expires sooner; with a membership, you get more time before they expire.
You can check the expiration status of your cashback in the app. You can also avoid expiration by transferring your cashback to your Klarna balance.
I've been referred by a friend
It's simple:
1. Click the unique link your friend shared with you.
2. Choose a monthly plan to get a Klarna Card.
3. Make 3 purchases of at least $10 each with your Klarna Card.
Your reward will be credited to your cashback balance once all steps are complete.
Yes, as long as you haven't made a purchase with the Klarna Card yet, you can use your friend's invite link to participate in the program.
If your Klarna Card application isn't approved, the referral won't be completed and neither you nor your friend will receive a reward.
You can track your progress in the app. To make sure you don't miss an update, turn on push notifications in your phone settings.
Your cashback reward will be added to your available cashback a few days after completing the required steps.
¹ Referral rewards awarded as cashback rewards points. Klarna balance required for redemption. Terms and conditions apply.
² Use your card anywhere Visa is accepted. Certain merchant, product, good and service restrictions apply. Some merchants do not accept virtual cards. Physical card only included with a paid Klarna Membership Plan.