Open Banking.

Scalable. Proven. Smoooth.

Klarna gives you Europe’s most scalable and proven open banking platform. It combines unrivalled bank coverage, 15 years of experience and our legendary passion for smoooth customer experiences through our optimized front-end design.

+5k

We cover more than 5000 banks in 16 countries across Europe.

+80m

We’re a fully licenced bank trusted by more than 80 million people.

Financial services. With added Klarna.

Our single API helps you build smart financial services and create new user experiences your customers will love - while you manage the requirements of PSD2. Here are just a few examples:

Round up and invest open banking

Round up & invest

Peaks using Klarna's AIS and PIS to make investing accessible for everyone in Germany. Every time a user makes a purchase, the Peaks app automatically rounds up the amount to the next Euro and invests the difference in a sustainable portfolio of ETFs.

Robo advisor open banking

Robo advisor

Lysa is one of the leading robo advisors in the Nordics. With new technology and Klarna's AIS and PIS solutions, Lysa offers smart savings accounts that automatically invest their customers' money with high diversification and ultra low fees.

Find the right business loan open banking

Find the right business loan

Krea helps companies find the best possible loan. Through an integration with Klarna’s Open Banking platform, Krea’s customers are able to connect their bank data directly to their loan applications.

Round up and invest open banking

Round up & invest

Peaks using Klarna's AIS and PIS to make investing accessible for everyone in Germany. Every time a user makes a purchase, the Peaks app automatically rounds up the amount to the next Euro and invests the difference in a sustainable portfolio of ETFs.

Robo advisor open banking

Robo advisor

Lysa is one of the leading robo advisors in the Nordics. With new technology and Klarna's AIS and PIS solutions, Lysa offers smart savings accounts that automatically invest their customers' money with high diversification and ultra low fees.

Find the right business loan open banking

Find the right business loan

Krea helps companies find the best possible loan. Through an integration with Klarna’s Open Banking platform, Krea’s customers are able to connect their bank data directly to their loan applications.

Direct bank transfer open banking

Bank transfer

Klarna is initiating payments between consumers and merchants accounts over the past 15 years. Our direct bank transfer solution is used for domestic, SEPA and SEPA instant payments in real time in 16 EU countries.

Ready to build and scale your web apps the Klarna way?

Check out our documentation

Building with Klarna.

Smoooth user flows.

Klarna Open Banking stands for secure, safe and smooth connections to your customers bank accounts with our signature simple, intuitive user interface.

Open banking user experience

1. Select your bank

Same intuitive front-end design for all banks

Open banking accessing bank accounts

2. Access your account

It was never more easy to access a customers bank account details.

Open banking payment initiation

3. Initiate payment

Secure and fast payments across any device thanks to the optimized UI.

One API. Three Services.

We’ll give you all the tools you need to offer a great user experience without compromising security, compliance or your ability to collect, handle or process bank account information.

account information open banking

Account Information Service (AIS).

Use our Account Information Service with the customer’s consent and periodically retrieve bank account data to offer tailor-made smart financial services for your customers.

payment initiation open banking

Payment Initiation Service (PIS).

Integrate payments seamlessly into your product with our Payment Initiation Service. Move funds from one bank account to another, even instantly if SEPA instant payments are supported by the bank.

account insights open banking

Account Insights.

Our powerful Account Insights engine helps you turn simple bank statements into unique insights and exciting customer experiences.

Do you want to help users budget and understand their money, remove the paperwork from loans, compare rates and prices or simply build the world's favorite financial services?

We've got you covered.

Why Klarna.

More reach than the rest.

Nobody can match our coverage across Europe.

More experience.

We’ve been connecting banks since 2005, long before PSD2.

More transactions.

With more than 150 million PIS transactions a year, nobody else comes close.

More delight.

Our front end design gives you superior conversion, fast.

More brand flexibility.

Already got your bank licence? With our white label solution, build on top of our API and customise to fit your brand.

More easy.

Simple integration, maintenance and documentation in a fully-specced development and testing environment.

Open banking availability

Available around Europe.

Klarna Open Banking is already available in Sweden, Finland, Norway, Germany, Austria, Switzerland, Netherlands, Belgium, France, UK, Italy, Spain, Poland, Czech Republic, Slovakia and Hungary. And it’s coming to more places soon.

News and insights.

Ready, steady, smoooth.