Klarna API Access – Sync Swedish Bank Data Securely

Klarna Bank AB (BIC KLRNSESSXXX) is one of Sweden's best-known licensed banks, and open-banking.io lets you tap into it programmatically. Instead of building a bespoke integration, you sync a customer's Klarna account data through a single, standardised REST endpoint — the same interface that already reaches thousands of European institutions.

Whether you're powering a budgeting app, an accounting tool, or a lending decision, the workflow stays identical from bank to bank. Point your request at Klarna, obtain consent, and read the data.

How to connect Klarna

  1. Sign up for an open-banking.io account and grab your API key.
  2. Send a connection request targeting Klarna (Sweden) using BIC KLRNSESSXXX.
  3. Redirect the account holder to Klarna's own authentication screen to approve access.
  4. Receive the consent token and begin pulling data through the unified API.

What data you can access

For Klarna's personal accounts, the API exposes:

  • Accounts — identifiers, currency and account metadata.
  • Balances — current and available balance snapshots.
  • Transactions — historical and recent transaction records with amounts, dates and counterparties.

Klarna supports personal account types, and a single authorisation stays valid for up to 180 days before the customer needs to re-confirm. open-banking.io reaches 2,600+ banks across the EU and UK, so once you've integrated Klarna you can extend to any other supported institution without new plumbing.

Privacy by design

The platform is zero-knowledge and certificate-free. You never handle eIDAS certificates, and sensitive credentials are never exposed to your infrastructure — authentication happens directly between the customer and Klarna. Your systems only ever see the data the user explicitly consented to share.

Simple pricing

One flat plan of roughly EUR 3/month covers access to Klarna and every other bank on the network. No per-connection fees, no certificate costs, no surprises.

FAQ

Do I need an eIDAS certificate to access Klarna?

No. open-banking.io is certificate-free — the platform handles all regulatory plumbing, so you connect to Klarna with just an API key.

How long does Klarna access last before renewal?

Each consent remains active for up to 180 days. After that window, the account holder simply re-authorises to continue syncing.

What Klarna account types are supported?

Personal accounts are supported, giving you access to account details, balances and full transaction history.

Ready to start? Connect Klarna and 2,600+ other banks at open-banking.io.