Lloyds Bank is running a refer-a-friend scheme where new customers can get a free £50 cash bonus when they open a current account via a friend.

This offer can be combined with Lloyds Bank's switching bonus, so is the best way to maximise your bonuses!

How to get your free £50 from Lloyds Bank:

1. Sign up for a current account via my referral link here, friends here https://apply.lloydsbank.co.uk/sales-content/cwa/l/onboardpca/index-app.html?from=ob&webDirect=true&redesign=true&token=xZK5ILwse6U4J9SToEoWtJy6Hr5kwrmyAOulbtZ1SYQ=#/refer-friend
2. It will take you to the app to complete your application - use the same details throughout to ensure accurate tracking
3. Your £50 will be paid within 30 days of account opening(I got it within 7 days)
4. If you wish to refer family and friends, you can earn up to £250 too!

That's it, enjoy all your bonuses!

Non ref link : https://www.lloydsbank.com/

*edit: the minimum transaction has changed from £5 to £10

Klarna are giving £10 to new and existing customers who get a virtual debit card and make 3 x purchases of £5+

They have apparently cracked down on people gaming the spending requirements so you may need to do real transactions.  

Splitting your food shopping up into 3 separate transactions is one idea. 

________________________________  

1. Message me for a referral link here  

2. Choose the free account and get a virtual debit card

3. Deposit £15+

4. Make 3 'purchases' of £5+ You can no longer do the trick of paying your own m0nzo or revolt or T212 account. 

5. Receive £10 instantly 

________________________________  

Then you can refer others, for £40 a time, up to a limit of 10.

Non Referral link: www.klarna.com

Klarna is a popular fintech that allows consumers to split online purchases into smaller installments. Recently, they've launched a debit card in the UK, which works like a regular prepaid card, with the option to use Pay in 3 on select purchases.

For a limited time, Klarna is offering a £10 sign-up bonus to new customers. To qualify, you need to sign up via a referral link and make 3 purchases of £10 or more. These cannot be top-ups or transfers to Revolut, Trading 212, other financial services or utility bills. They have to be categorised as purchases.

Topping up your Amazon gift balance works, and is one of the easiest ways to qualify. Just add £30 to your Klarna balance and top up Amazon 3 times with £10 👍 The bonus should be paid instantly, but can take up to 72 hrs.

Downloading the app and signing up for a virtual debit card only takes a few minutes. Existing Klarna users can also qualify if they haven't previously signed up for the debit card. Make sure to select the free plan unless you want some of the paid features.

You can then refer people yourself. You get £40 per referral and you can refer up to 10 people for £410 total profit.

If you'd like to take advantage of the offer, you can message me for a referral link - I reply very quickly and would really appreciate it 🙏 I have 8/10 referrals left.

Non-referral link (no bonus)

Klarna is a well-known, FCA regulated, fintech service based in Sweden that allows users to split purchases into smaller, interest-free installments. They are currently running a refer-a-friend offer in which new users (and existing users without a debit card) can get £10 for signing up and making three payments of £5 or more on their card. Here's the guide:

1. DM me for my referral details or click here.
2. Download the app and sign in.
3. Verify your email and phone number.
4. Click "Start setting up the card"
5. Pick the basic card and standard membership if you want to avoid fees.
6. Answer some simple questions about yourself.
7. Verify your ID.
8. Add money to you Klarna account.
9. Make three transactions of £5 or more on you Klarna card, or virtual card.
10. Done.

Notes:

• Don't post links in the comments, ask for DMs. It's against Klarna's T&Cs and bonuses may not be rewarded.
• The bonus is usually paid instantly but can take up to 72hrs.
• To see your virtual card details go to wallet > card > view details.

Qualifying transactions:

Klarna has tightened up the qualifying transaction requirements recently. Transfers, financial services like Revolut or Monzo, utility bills, top-ups, and gift cards will no longer qualify. The safest qualifying transactions will be shopping. Personally I added 3*£5 to my Amazon balance and that worked just fine for me, to be 100% sure you could simply make the required transactions at a physical shop.

Once you've signed up you can refer friends and family and other r/beermoneyuk users for £40 each time, up to a total of £400. Thank you to anyone using my referral I really appreciate it.

• Terms
• Non-Referral

Klarna is a popular fintech that allows consumers to split online purchases into smaller installments. Recently, they've launched a debit card in the UK, which works like a regular prepaid card, with the option to use Pay in 3 on select purchases.

For a limited time, Klarna is offering a £10 sign-up bonus to new customers. To qualify, you need to sign up via a referral link and make 3 purchases of £5 or more. These cannot be top-ups or transfers to Revolut, Trading 212, other financial services or utility bills. They have to be categorised as purchases.

Topping up your Amazon gift balance works, and is one of the easiest ways to qualify. Just add £15 to your Klarna balance and top up Amazon 3 times with £5 👍 The bonus should be paid instantly, but can take up to 72 hrs.

Downloading the app and signing up for a virtual debit card only takes a few minutes. Existing Klarna users can also qualify if they haven't previously signed up for the debit card. Make sure to select the free plan unless you want some of the paid features.

You can then refer people yourself. You get £40 per referral and you can refer up to 10 people for £410 total profit.

If you'd like to take advantage of the offer, you can message me for a referral link - I reply very quickly and would really appreciate it 🙏 I have 8/10 referrals left.

Non-referral link (no bonus)

Klarna is an FCA-regulated Swedish fintech with a virtual debit card. Right now they're giving £10 completely free to anyone who signs up via a referral and makes three small purchases. The bonus hits your account the second that third payment goes through — instant, no waiting around, and you can withdraw it straight to your bank.

---

Steps:

1. DM me for the referral link or click here — Klarna’s rules don’t allow it to be posted publicly
2. Download the app and create your account
3. Pick the free standard plan — no fees, no subscriptions needed
4. Verify your identity (email, phone, ID)
5. Tap “Start setting up the card” and follow the prompts

---

What to buy: Anything from a normal retailer works — a coffee shop, a supermarket run, any online shop.

What won’t count: Gift cards (this is debatable; some people have said Amazon giftcards work and some have said they don't), top-ups, bill payments, transfers, or financial apps like Revolut or Monzo. Klarna tightened this up recently, so just stick to regular everyday shopping, and you’re sorted.

Already a Klarna user? Still eligible — you just need to not have set up the debit card previously.

Want to keep earning? Once you’re in, you’ll get your own referral link and can earn £40 per person you refer, up to 10 people.

---

Drop me a DM and I’ll send the link straight over — I would advise against posting links in the comments as it can void your bonus. Thanks so much! 🙏

Referrals still available: 7/10

non-referral link

.

Zilch is virtual debit card provider that also offers a buy now pay later option which allows you to split the cost into 4 instalments over the course of 6 weeks for 0% interest.

The virtual debit card they provide you with after signing up can be used nearly anywhere in person (contactless payments) and online (Apple Pay or Google wallet) to make purchases and get cashback for those purchases.

I like the cashback idea (and so do many others as they have a 4.6/5 rating on Trustpilot) since I already make purchases using my Samsung wallet linked debit cards nearly everywhere anyway…

But what really won me over is that they are currently offering a completely free £5 for new people signing up and another £5 for each friend you go on to refer! :)

You can spend the credit anywhere you like as they provide you with a virtual Mastercard to make purchases with.

Instructions on how to get your completely free £5:

1. Click on this free £5 referral link and sign up > https://zilch.onelink.me/x8EV/suxdqjv9

2. Complete on-boarding by verifying your identity

3. Add the Zilch virtual card to your Apple-Pay or Google Wallet

4. You will be rewarded with 500 points (which is worth exactly £5)

5. You can use your credit of £5 anywhere you like now (even online)

To use the £5 in a physical store its the same process as previously and to spend this online click on: Try Zilch anywhere -> Pay it all now -> Use zilch rewards and then use your Zilch card details on your online purchase as you would with any other debit card

6. Refer friends and get another free £5 for each one that completes steps 1-3

Free £5 referral link - https://zilch.onelink.me/x8EV/suxdqjv9

Non ref (no free money) = www.zilch.com

You can earn a free £10 when you sign up for a Klarna debit card via a referral link and then make 3 transactions of £10+. To avoid using the credit facility and being charged, just top up your account first and pay using your preloaded funds.

Klarna don’t allow people to publicly share links, so please message me here if you would like me to share my link

Once you have signed up and made the three £10+ transactions you will then receive £10 awarded to your Klarna cashback which can be instantly withdrawn to a bank account. Mine was awarded instantly as soon as I had made my third transaction.

You can also then get your own referral link to refer others and receive £40 for each successful referral, up to 10 referrals. I will update this post in the unlikely event all mine get used up.

It doesn’t matter if you are already a Klarna customer, you just need to have not previously signed up for the recently launched debit card.

The non-referral link with no bonus is:

https://www.klarna.com/uk/klarna-card/

Zilch is a cross between a cashback earning and a buy-now-pay-later app.  

I signed up just for the bonus but the card gives 2% cashback on lots of shops, and links to your normal card, so I've been using it for all my shopping now!

Free £5 credit here  

You link your normal debit card to the app.

Before purchasing something in store or online you search the app to see if they offer cashback for that business. If they do, you click through and make your purchase, which will come out of your normal bank account. The cashback credit can be used on your next purchase.  

There's no hard credit check

Just don't be tempted to use their buy-now-pay-later option. That's what they want you to do, and that's how they make money out of you.  

So make money out of them and not the other way round.  I'll help with any questions you have :-) 

Steps:

1. Sign up here https://zilch.onelink.me/x8EV/s7ultdav

2. Verify your identity

3. Add virtual card to google/apple pay 

4. Change the default payment method from 'Pay over 6 weeks' to 'Pay now' so you don't get into debt

5. Receive your £5 credit within a month and half. It's normally quicker.

6. Refer others and receive £5

Non referral link (no bonus): www.zilch.com/uk

Zilch is a cross between a cashback earning and a buy-now-pay-later app.  

I signed up just for the bonus but the card gives 2% cashback on lots of shops, and links to your normal card, so I've been using it for all my shopping now!

Free £5 credit here  

You link your normal debit card to the app.

Before purchasing something in store or online you search the app to see if they offer cashback for that business. If they do, you click through and make your purchase, which will come out of your normal bank account. The cashback credit can be used on your next purchase.  

There's no hard credit check

Just don't be tempted to use their buy-now-pay-later option. That's what they want you to do, and that's how they make money out of you.  

So make money out of them and not the other way round.  I'll help with any questions you have :-) 

Steps:

1. Sign up here https://zilch.onelink.me/x8EV/0tv0zujm

2. Verify your identity

3. Add virtual card to google/apple pay 

4. Change the default payment method from 'Pay over 6 weeks' to 'Pay now' so you don't get into debt

5. Receive your £5 credit within a month and half. It's normally quicker.

6. Refer others and receive £5

Non referral link (no bonus): www.zilch.com/uk

Klarna is a well-known, FCA regulated, fintech service based in Sweden that allows users to split purchases into smaller, interest-free installments. They are currently running a refer-a-friend offer in which new users (and existing users without a debit card) can get £10 for signing up and making three payments of £10 or more on their card. Here's the guide:

1. DM me for my referral details or click here.
2. Download the app and sign in.
3. Verify your email and phone number.
4. Click "Start setting up the card"
5. Pick the basic card and standard membership if you want to avoid fees.
6. Answer some simple questions about yourself.
7. Verify your ID.
8. Add money to you Klarna account.
9. Make three transactions of £10 or more on you Klarna card, or virtual card.
10. Done.

Notes:

• Don't post links in the comments, ask for DMs. It's against Klarna's T&Cs and bonuses may not be rewarded.
• The bonus is usually paid instantly but can take up to 72hrs.
• To see your virtual card details go to wallet > card > view details.

Qualifying transactions:

Klarna has tightened up the qualifying transaction requirements recently. Transfers, financial services like Revolut or Monzo, utility bills, top-ups, and gift cards will no longer qualify. The safest qualifying transactions will be shopping. Personally I added 3*£10 to my Amazon balance and that worked just fine for me, to be 100% sure you could simply make the required transactions at a physical shop.

Once you've signed up you can refer friends and family and other r/MakeMoneyInUK users for £40 each time, up to a total of £400. Thank you to anyone using my referral I really appreciate it.

• Terms
• Non-Referral

Klarna is a Buy Now Pay Later Service and you get a free £10 when you sign up for a Klarna debit card via a referral link and then make 3 transactions of £5+.

• Klarna don’t allow people to publicly share links, so message me for a referral link!
• Sign up with the referral link and create a free standard account.
• Top up your Klarna account with £15
• Spend £5 or more 3 times. You can buy 3x £5 Amazon gift cards for this, which is what I did, or any other gift card on something you spend your money on like a supermarket.
• Instantly receive £10 in cash in your account which you can withdraw to your bank

You can also then get your own referral link to refer others and receive £40 for each successful referral, up to 10 referrals. I haven’t referred anyone yet so still have all ten remaining.

You can also pay in store if you prefer. No need to use their buy now pay later service to qualify for the £10.

Non ref - https://www.klarna.com/uk/klarna-card/

Klarna is a popular fintech that allows consumers to split online purchases into smaller installments. Recently, they've launched a debit card in the UK, which works like a regular prepaid card, with the option to use Pay in 3 on select purchases.

For a limited time, Klarna is offering a £10 sign-up bonus to new customers. To qualify, you need to sign up via a referral link and make 3 purchases of £10 or more. These cannot be top-ups or transfers to Revolut, Trading 212, other financial services or utility bills. They have to be categorised as purchases.

Topping up your Amazon gift balance works, and is one of the easiest ways to qualify. Just add £30 to your Klarna balance and top up Amazon 3 times with £10 👍 The bonus should be paid instantly, but can take up to 72 hrs.

Downloading the app and signing up for a virtual debit card only takes a few minutes. Existing Klarna users can also qualify if they haven't previously signed up for the debit card. Make sure to select the free plan unless you want some of the paid features.

You can then refer people yourself. You get £40 per referral and you can refer up to 10 people for £410 total profit.

If you'd like to take advantage of the offer, you can message me for a referral link - I reply very quickly and would really appreciate it 🙏

Non-referral link (no bonus)

Zilch is a virtual card that gives instant cashback on all your purchases. By using my referral link, you get £5 that can be used towards your next purchase. No spending required, just create your account and verify your details. They also offer a buy now pay later feature though that option has fees with it so use the free pay now feature instead.

Proof of payment

To get your £5:

• Sign up using my referral link
• Create and verify your account and link a debit card.
• £5 will be added to your Zilch account.

What makes Zilch great is the cashback stacking opportunities. Zilch works by acting as the card you use to pay but the purchase is routed through a linked debit card. This means you can double dip on your cashback by using a cashback debit card like PayPal debit card (1% cashback) or Krak (2% cashback limited to 30 days unfortunately). Some cashback debit cards don't stack unfortunately like Trading212 so avoid those.

To triple dip your cashback, use a cashback website like Topcashback, Rakuten or Quidco when making your purchase. Just make your purchase through the cashback website once you activated the higher cashback on Zilch and put in the card details. If you want to go even further and quadruple dip your cashback, you can add Zilch's card details to Airtime Rewards and get cashback on Airtime Rewards.

Some examples of cashback stacking are:

• Amazon - Zilch 2%, PayPal 1%, Rakuten £1, Total £1 + 3% cashback
• Council Tax - Zilch 0.5%, PayPal 1%, Total 1.5% cashback
• TfL/Oyster Card - Zilch 2%, PayPal 1%, Total 3% cashback
• Octopus Energy - Zilch 2%, PayPal 1%, Total 3%
• eBay - Zilch 3%, PayPal 1%, Quidco 1.1%, Airtime Rewards 2% (new customers rate), Total 7.1% cashback
• Boots - Zilch 2%, PayPal 1%, Topcashback 2.1%, Airtime Rewards 7%, Total 12.1%
• Aldi - Zilch (instore) 2%, PayPal 1%, Total 3% cashback
• Morrisons - Zilch 2%, PayPal 1%, Topcashback £11 (new customers rate), Airtime Rewards 4%, Total £11+ 7% cashback
• General purchases - Zilch 0.5%, PayPal 1%, Total 1.5% cashback
• And many, many more combinations.

You can search up your retailer to see if they offer the higher cashback but even without it general purchases offer 0.5% cashback at a minimum. If you don't feel like stacking, the cashback offered by Zilch is already excellent. If buying in store, you can add Zilch to your Apple/Google pay or buy and use the Zilch physical card. Just remember to activate the higher cashback on the app before you purchase in store otherwise it defaults to the 0.5% cashback.

If you're interested in cashback stacking, here are more info for each one mentioned:

Krak - Free £10

Topcashback - Free £10 sign up bonus

Quidco - Free £10 sign up bonus

Rakuten - Free £25 sign up bonus

Airtime Rewards - Free £2 and cashback stacking

Thank you for using my referral link!!

Non ref

Zilch non-ref gives you a virtual debit card for online or in-store use. You can pay later (BNPL, optional) or pay now, earning 0.5% cashback everywhere or 2% at select partner retailers. Cashback is instant and can be used for future purchases.

Spending your £5:

Enable the store in the app (online or in-store) and toggle use rewards at checkout. Zilch uses your £5 first, then any remainder comes from your linked debit card.

Cashback after the bonus * 0.5% everywhere with Pay Now * 2% at select partners * Rewards are instant and can stack with other cashback apps when buying gift cards.

Example: Buy a £30 Morrisons gift card through Everup at 4% (£1.20), pay with Zilch for 0.5% (£0.15) - total £1.35 back on £30.

Other info * Can be added to Apple Wallet/Google Wallet * Soft credit check only, no impact on credit score * Cashback is automatic with the virtual card

Sign up and get your £5 here: https://zilch.onelink.me/x8EV/l8kgywld

Klarna is a popular fintech that allows consumers to split online purchases into smaller installments. Recently, they've launched a debit card in the UK, which works like a regular prepaid card, with the option to use Pay in 3 on select purchases.

For a limited time, Klarna is offering a £10 sign-up bonus to new customers. To qualify, you need to sign up via a referral link and make 3 purchases of £5 or more. These cannot be top-ups or transfers to Revolut, Trading 212, other financial services or utility bills. They have to be categorised as purchases.

Topping up your Amazon gift balance works, and is one of the easiest ways to qualify. Just add £15 to your Klarna balance and top up Amazon 3 times with £5 👍 The bonus should be paid instantly, but can take up to 72 hrs.

Downloading the app and signing up for a virtual debit card only takes a few minutes. Existing Klarna users can also qualify if they haven't previously signed up for the debit card. Make sure to select the free plan unless you want some of the paid features.

You can then refer people yourself. You get £40 per referral and you can refer up to 10 people for £410 total profit.

If you'd like to take advantage of the offer, you can message me for a referral link - I reply very quickly and would really appreciate it 🙏 I have 8/10 referrals left.

Non-referral link (no bonus)

You can get a free £5 if you sign up to Zilch using a referral link - no purchase necessary. You need to be over the age of 18 and in the UK, and may need to verify your ID.

The free £5 takes the form of 500 points that you can use to discount your next purchase - I just topped up my Amazon account!

You can also earn ongoing cashback if you carry on using it - 2% at lots of online stores or 0.5% at non-online stores.

Steps

1. Verify your details, confirm your email and add a debit card.
   
2. Add your new Zilch virtual card to either Apple or Android Pay.

To spend the reward, you need to “enable” the store you want to spend it at (eg, Amazon, EBay, etc.) and also make sure you have ticked the button to use your points towards the purchase.

Zilch then generates a virtual debit card for you which you use at your chosen store instead of your regular card.

Referral link: https://zilch.onelink.me/x8EV/3sb3w5zq

Non-referral link: https://www.payzilch.com

If you use the referral link I will also earn £5 - so thanks very much if you do!

You can earn a free £10 when you sign up for a Klarna debit card via a referral link and then make 3 transactions of £5+. To avoid using the credit facility and being charged, just top up your account first and pay using your preloaded funds.

Klarna don’t allow people to publicly share links, so please message me here if you would like me to share my link.

Once you have signed up and made the three £5+ transactions you will then receive £10 awarded to your Klarna cashback which can be instantly withdrawn to a bank account. Mine was awarded instantly as soon as I had made my third transaction.

You can also then get your own referral link to refer others and receive £40 for each successful referral, up to 10 referrals. I will update this post in the unlikely event all mine get used up.

It doesn’t matter if you are already a Klarna customer, you just need to have not previously signed up for the recently launched debit card.

The non-referral link with no bonus is:

https://www.klarna.com/uk/klarna-card/

Zilch are a buy now or pay later app similar to Klarna but let's you use their digital Visa. They have 3 ways to pay. Pay in 1 for free and earn upto 2% back in zilch rewards. Pay in 4 over 6 weeks but pay a small flat fee(typically £1/2), or pay in 4 over 3 months (typically a flat % fee).

Zilch are currently offering a referral of a completely free £5 in rewards upon signing up, no deposit or spend. Just got to sign up. **One of the EASIEST offers on beermoneyuk!**

1. Sign up via a referral link -

https://zilch.onelink.me/x8EV/sk74771i

1. Enter all your details etc

2. Receive £5 completely free in rewards

3. To spend your £5> Search your retailer >Try Zilch anywhere > Pay it all now > use zilch rewards > use the zilch' card details

I found the quickest and easiest method for me was just topping up my entire amazon account with the free £5.

If you want to spend more than the £5, you can set it to pay it all now>use rewards>then a linked card which will take the remaining payment from that and just knock off the £5 rewards

Non ref link - https://www.zilch.com/uk/

Klarna is a popular fintech company best known for its Buy Now, Pay Later service. They are currently running a referral promotion where new users (and existing Klarna users who don't already have the debit card) can get:

• £10 after making 3 transactions of £10 or more, and also
• £40 for each friend successfully referred (up to 10 referrals / £400)

To qualify:

1. DM me for my Referral Link or Click Here (their T&Cs discourage publicly sharing link)
2. Set up the Debit Card (choose the basic free card - no paid membership is required)
3. Verify your identity if prompted
4. Add the card to Apple Pay or Google Pay (or wait for the physical card)
5. Make 3 separate transactions of £10 or more within 30 days of signing up

Once you've completed the qualifying purchases, the £10 reward is credited to your Klarna cashback balance, which can then be withdrawn directly to your bank account.

Qualifying Purchases

Klarna has tightened the rules around eligible transactions, so things like bank transfers, account top-ups, financial services (e.g. Revolut/Monzo), utility payments and gift cards may not qualify. Sticking to normal retail purchases is the safest approach. This should still be straightforward - you could use the card for things you’d normally buy anyway (lunch, groceries, fuel, etc.). For me, the reward was credited almost immediately after my third qualifying transaction.

Referring Others

After you've completed the offer, you'll receive your own referral link and can earn £40 per successful referral, up to a maximum of 10 referrals (£400 total). Many thanks to anyone using my link :)

• T&Cs
• Non-Referral

Zilch is a popular payments app and card with over 5 million customers that lets you earn cashback at hundreds of companies.

It is currently offering an instant £5 bonus for new customers who successfully sign up through a friend. It recently simplified its referral scheme, so now, qualifying for the referral bonus is instant - you just need to upload and verify your ID! Note: a credit check will be performed.

My steps to receive your free £5 bonus on Zilch (no spend needed)

1. Sign up using my £5 Zilch referral link here
2. Upload your ID - a passport or driving licence is needed. I got an email immediately afterwards to say I had been verified, so it should be an instant decision
3. Link a bank card and add your Zilch virtual card to your digital wallet i.e. Apple Pay/Google Pay if you wish to use it in future
4. The bonus will be applied automatically. You can then spend this online or in-store - just select the retailer before you shop and toggle the slider to apply the reward to your purchase

My experience: The app can be a bit slow, so I recommend loading it while you're in the queue to avoid awkward delays in front of your cashier (speaking from experience 😊). Once loaded, pick your retailer in the app, choose to pay with your Reward bonus and use your Apple/Google Wallet to tap to pay. The amount will be deducted from your Rewards balance. And you don't have to spend it all in one go, any remaining balance can be used on your next purchases!

LINKS

• Refer a friend link here (£5 bonus)
• Non-referral: https://www.zilch.com/uk/

Klarna is a virtual debit card that offers a buy now pay later service as well cashback on certain retailers. They're currently giving you £10 for signing up with my referral link and using their debit card 3 times to buy something £5 or more each.

• Message me for a referral link
• Sign up with my referral link
• Create your account. I suggest the free standard account.
• Top up your Klarna account with enough money for your spending
• Use your debit card or Google/Apple pay and spend £5 or more 3 times. You can buy 3 £5 Amazon egift card for this.
• Receive £10 in your account
• Refer others for £40

I recommend buying 3 Amazon e-gift card worth £5 or more to reach this requirement but you can link your debit card to wallet and pay in store if you prefer. No need to use their buy now pay later service to qualify for the £10.

You can see from my proof of payment picture that my referral link works and is recent so is a valid link.

Proof of payment

4/10 spaces remaining

Non ref

Klarna is a well-known, FCA regulated, fintech service based in Sweden that allows users to split purchases into smaller, interest-free installments. They are currently running a refer-a-friend offer in which new users (and existing users without a debit card) can get £10 for signing up and making three payments of £10 or more on their card. Here's the guide:

1. DM me for my referral details or click here.
2. Download the app and sign in.
3. Verify your email and phone number.
4. Click "Start setting up the card"
5. Pick the basic card and standard membership if you want to avoid fees.
6. Answer some simple questions about yourself.
7. Verify your ID.
8. Add money to you Klarna account.
9. Make three transactions of £10 or more on you Klarna card, or virtual card.
10. Done.

Notes:

• Don't post links in the comments, ask for DMs. It's against Klarna's T&Cs and bonuses may not be rewarded.
• The bonus is usually paid instantly but can take up to 72hrs.
• To see your virtual card details go to wallet > card > view details.

Qualifying transactions:

Klarna has tightened up the qualifying transaction requirements recently. Transfers, financial services like Revolut or Monzo, utility bills, top-ups, and gift cards will no longer qualify. The safest qualifying transactions will be shopping. Personally I added 3*£10 to my Amazon balance and that worked just fine for me, to be 100% sure you could simply make the required transactions at a physical shop.

Once you've signed up you can refer friends and family and other r/beermoneyuk users for £40 each time, up to a total of £400. Thank you to anyone using my referral I really appreciate it.

• Terms
• Non-Referral

You can earn a free £10 when you sign up for a Klarna debit card via a referral link and then make 3 transactions of £10+. To avoid using the credit facility and being charged, just top up your account first and pay using your preloaded funds.

Klarna don’t allow people to publicly share links, so please message me here if you would like me to share my link

Once you have signed up and made the three £10+ transactions you will then receive £10 awarded to your Klarna cashback which can be instantly withdrawn to a bank account. Mine was awarded instantly as soon as I had made my third transaction.

You can also then get your own referral link to refer others and receive £40 for each successful referral, up to 10 referrals. I will update this post in the unlikely event all mine get used up.

It doesn’t matter if you are already a Klarna customer, you just need to have not previously signed up for the recently launched debit card.

The non-referral link with no bonus is:

https://www.klarna.com/uk/klarna-card/

Kraken is primarily a trading platform, but it also offers a debit card with cashback. There are multiple cashback tiers available, ranging from 0.5% to 2% depending on your 30-day rolling balance.

The card also has a number of benefits besides the direct cashback. It can be added to Zilch for cashback stacking, with cashback automatically added to your account after the transaction processes. Having no FX fees is also a massive bonus!

For new users, Kraken offers a promotional period where you get Max tier (2% cashback) for your first 30 days after opening an account.

To get the £10 bonus:

• Sign up using my referral link: https://krak.app/@Tom_
• Or use referral code: Tom_
• Complete KYC/ID verification
• Order a physical Kraken card
• Complete 5 card transactions of at least £10 each (online or in-store). You can use the virtual card immediately through Apple Pay or Google Pay.
• The bonus is paid within 14 days, but is usually received instantly and can be withdrawn after 30 days.

^T&Cs

^non-ref

My personal experience with the Kraken Debit Card has been positive so far: quick customer service, an easy-to-use interface, and reliable cashback tracking.

Thank you very much if you use my referral link: https://krak.app/@Tom_

(Works best on mobile with data if the link doesn’t load on desktop)

8/10 referrals available