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.
Ready to build and scale your web apps the Klarna way?
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.
1. Select your bank
Same intuitive front-end design for all banks
2. Access your account
It was never more easy to access a customers bank account details.
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 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 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.
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.