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

Klarna is best known as a payments and shopping app, but its Swedish banking arm also holds real accounts under the BIC KLRNSESSXXX. If you want a clean, programmatic view of your Klarna balances and transactions, open-banking.io lets you reach that data without wrestling with eIDAS certificates, sandbox registrations, or PSD2 paperwork. You connect once, and your Klarna account data flows into a dashboard that only you can decrypt.

Everything is built around a simple rule: open-banking.io never holds a key that can read your data. It stores only your public key, so account details are encrypted on its servers and decrypted locally on your own device.

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 right there on your device, and the passphrase never leaves it.
  3. In the dashboard, search for and select Klarna, then choose the personal account type (the account type Klarna supports here).
  4. You are redirected to Klarna's own secure login, where you approve access under PSD2 consent. That consent lasts up to 180 days before you renew it.
  5. Your Klarna accounts sync back into the dashboard, ready to view.

Access your data

Reading Klarna data programmatically is an optional developer step that comes after the connection exists. On the Developers page, create an API key and export a credentials.json — this file bundles the API key together with your private decryption key.

With it in place, use the CLI (openbanking accounts, openbanking transactions, openbanking sync), an SDK, or the REST API. Every request carries your key in the X-Api-Key header, and each response is decrypted locally using your private key. An API key on its own only ever returns ciphertext — without your key, there is nothing readable to see.

All of this runs for around EUR 3/month, with no certificate or bank-partnership overhead.

Does open-banking.io ever see my Klarna transactions?

No. It is zero-knowledge — it stores only your public key, so it can encrypt data to you but never decrypt it.

Can I connect Klarna from the CLI?

No. The CLI and SDK only read and sync connections that already exist. Connecting Klarna is done through the dashboard and Klarna's consent screen.

Up to 180 days, after which you re-approve access on Klarna's login to keep syncing.

Ready to start? Visit open-banking.io.