Klarna API Access: Connect German Accounts Fast

Pull live Klarna (Germany) account data into your own product without wrestling with PSD2 onboarding, eIDAS certificates or per-bank integrations. open-banking.io gives you a single REST endpoint that speaks to Klarna and 2,600+ other EU and UK banks, so your Klarna sync behaves exactly like every other connection you add.

Whether you are building a personal finance dashboard, an accounting sync or an affordability check, you read Klarna balances and transactions through one consistent JSON schema.

How to connect Klarna

  1. Sign up for open-banking.io and grab your API key.
  2. Create a connection session and select Klarna (BIC KLRNDEBEXXX) from the German bank list.
  3. Redirect your user to Klarna's own login so they approve access — you never touch their credentials.
  4. Receive the callback and start calling the accounts, balances and transactions endpoints.

What data you get

  • Accounts — identifiers and metadata for the user's personal Klarna accounts.
  • Balances — current and available balances, refreshed on demand.
  • Transactions — dated, categorised entries with amounts, counterparties and references.

Klarna exposes personal account types, so the API is tuned for individual consumer data rather than corporate ledgers.

A single user authorisation stays valid for up to 180 days before Klarna requires re-consent, giving you long stretches of uninterrupted syncing between refresh prompts. Coverage runs through the same regulated PSD2 rails Klarna already supports, so nothing bespoke is required on the bank's side.

Privacy by design

open-banking.io is zero-knowledge: account data flows straight through to you and is not mined or resold. There are no eIDAS or QWAC certificates to purchase, host or rotate — we handle the regulated plumbing so your team ships integrations, not compliance paperwork.

Pricing

One flat plan of roughly EUR 3 per month covers Klarna alongside every other supported bank. No per-call metering, no setup fees, no surprise tiers.

FAQ

Do I need my own PSD2 licence?

No. You connect through open-banking.io's regulated access, so you skip the licensing and certificate requirements entirely.

How often can I refresh Klarna data?

As often as your app needs within the 180-day consent window. After that, the user simply re-authorises with Klarna.

Which account types are supported?

Klarna Germany exposes personal accounts, so you can read individual balances and transaction history.

Ready to start syncing Klarna? Explore the docs and get your key at open-banking.io.