Klarna Open Banking & API Access via open-banking.io

Klarna is best known as a checkout brand, but in Germany it also operates as a licensed bank offering personal accounts. If you hold one, open-banking.io lets you reach that account data securely under PSD2 — and, if you build software, read it programmatically afterwards. Klarna Germany is reachable via BIC KLRNDEBEXXX, and your access consent stays valid for up to 180 days before Klarna asks you to reauthorise.

The key difference from most integrations: open-banking.io is zero-knowledge and certificate-free. Your data is decrypted on your own device with a key only you hold — the service never needs a QWAC certificate, and its servers only ever store your public key, so they can't read your transactions.

How to connect Klarna

Connecting happens entirely inside the open-banking.io dashboard — there is no API call, code, or key involved in this step:

  1. Sign up for an open-banking.io account.
  2. Set an encryption passphrase. Your key pair is generated locally on your device from it.
  3. In the dashboard, pick Klarna and choose the personal account type (the only type Klarna offers here).
  4. You're redirected to Klarna's own secure login, where you approve access on their PSD2 consent screen.
  5. Your accounts and transactions sync back into your dashboard, ready to view.

That's the whole flow for everyday use — no developer setup required.

Access your data

If you want to work with the data in code, that's an optional step after Klarna is already connected. On the Developers page, create an API key and export a credentials.json — it bundles the API key with your private decryption key. From there use the CLI (openbanking accounts, openbanking transactions, openbanking sync), an SDK, or the REST API. Requests authenticate with the X-Api-Key header, and every response is decrypted locally with your own key. The API key alone only ever returns ciphertext; without your private key, nobody — not even open-banking.io — can read it.

All of this runs on a flat plan of roughly EUR 3/month across 2,600+ supported EU and UK banks.

FAQ

Do I need an API key to connect Klarna?

No. Connecting is done in the dashboard via Klarna's consent screen. API keys are only for optionally reading data later.

What account types does Klarna support?

Personal accounts, authorised for up to 180 days per consent.

Can open-banking.io see my Klarna transactions?

No. It holds only your public key; decryption happens on your device, so the data stays private to you.

Ready to start? Visit open-banking.io.