Klarna Open Banking API: Supported Banks, Coverage & Alternatives (2026)

Klarna at a glance

Headquarters: Sweden
Banks covered: 63+ institutions
Countries: 18
Products: Account data (AIS) and pay-by-bank payments (PIS)
Licence: Operated under Klarna Bank AB (publ), a licensed Swedish bank; UK AISP/PISP via FCA
Bank connections: Official bank APIs
Sandbox: Yes
Pricing: Sales-gated / partner portal (quote from sales)
Last updated: October 2026

Source: Open Banking Tracker data and Klarna's public documentation and regulator registers. Confirm details with Klarna before you rely on them.

Coverage by country

Top 12 of 18 countries, by institutions listed.

Banks supported by Klarna

63+ institutions connect through Klarna. Pick a bank for its connection guide, or check a whole list of banks at once.

Banca MPS (Monte dei Paschi di Siena)

Connect guide →

Banca Nazionale del Lavoro

Crédit Agricole Italia

NATIONWIDE BUILDING SOCIETY

RBS (Royal Bank of Scotland)

The Co-Operative Bank

Ulster Bank (Nothern Ireland)

Connect guide →

Ulster Bank (Rest of Ireland)

Connect guide →

Unicredit

Connect guide →

Klarna vs alternatives

All Klarna alternatives · Compare any two aggregators · Which aggregator covers your banks?

What is Klarna?

Klarna is a banking API aggregator: one integration model so apps can reach many institutions with user consent. We list about 63 institutions in this directory; your app’s real coverage can still differ by product and market. For a simple mental model, Klarna is like a power strip for financial data: many banks share one interface, and your product plugs in once.

Klarna FAQ

What is Klarna?

Klarna is an open banking API aggregator headquartered in SE. It provides account information (AIS), payment initiation (PIS) through a single integration, so apps can reach many banks with the customer's consent instead of building one connection per bank.

How many banks does Klarna support?

Open Banking Tracker lists 63 institutions reachable through Klarna. Real coverage can differ by product, market, and individual bank, so use the supported-banks table on this page and confirm specific institutions in Klarna's own documentation.

Is Klarna regulated?

Yes. Operated under Klarna Bank AB (publ), a licensed Swedish bank; UK AISP/PISP via FCA. Authorisations held: PSD2. Verify current licensing on the relevant regulator's public register before you rely on it.

Does Klarna support payments (pay by bank)?

Yes. Klarna offers payment initiation (PIS), so you can move money account-to-account ("pay by bank") with the payer's authorisation. Product names and market availability vary — confirm in Klarna's documentation.

Is Klarna free to use, and is there a sandbox?

Klarna pricing is sales-gated (you contact sales for rates): Sales-gated / partner portal. A free developer sandbox is available to test before you commit.

Which countries does Klarna cover?

Open Banking Tracker lists institutions in 18 countries reachable through Klarna. The most covered are United Kingdom, Belgium, Italy, Netherlands, Poland and France. Coverage varies by product, so confirm specific banks in Klarna's documentation.