Connecting to multiple accounts across different banks can be a challenge. With multibanking, you can connect your business to different bank accounts from multiple banks and access them in a single place.


Highest bank connectivity.

Tap into a network of more than 15,000 banks in 27 countries. We are very likely to have all the banks you need.

All-in-one service.

Connect all your accounts in one view.

Tailored solutions.

Improve engagement by offering real-time transactions and payments.

Meet some of our partners.

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The huge banking connectivity provided by Klarna Kosma's API is central to making Friday Finance such a powerful tool. Easy access to your accounts' balances is the first step to optimizing your financial management, and this is precisely what the partnership between both companies brings to our users. Seeing so much progress in a bit more than two months is fascinating.

Thiago Vizioli, Product Marketer at Friday Finance


Try our smoooth demo.

Try our Account Information Service (AIS) and Payment Initiation Service (PIS) flows. Our live open banking demo will let you login with your bank account and retrieve information from your account, such as the IBAN, account number, balances, and recent transaction history. You’ll also be able to get a taste of our payment initiation service flow by donating a small amount to a charity of your choice.

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Get started in our playground environment.

Start building in no time. Find everything you need to get started in our documentation and start developing right away by signing in to our Partner Portal.

Why Klarna Kosma?

Unbeatable reach.

Our financial institution coverage is one of the biggest in the market with the highest conversion rate.

We have done this before.

We’ve been connecting financial institutions since 2005, long before PSD2.

A proven and stable platform.

With more than 1 billion transactions on our platform, nobody else comes close.

Peerless UX.

Our front-end design and user experience give you superior conversion.

Flexible branding.

Already got your bank license? With our white-label solution, you can build on top of our API and customize it to fit your brand.

Easy peasy.

Simple integration, maintenance and documentation in a full-specced development and testing environment.

Best-in-class conversion rates.

We only offer you the best, that's why our solutions offer you top-notch conversion rates.

Widest coverage. Best in class conversion rates.

Available all around Europe.


markets live. We’ve got you covered with financial institution connections in 27 countries around the world giving you access to at least 95% of bank accounts.


financial institutions connected and growing! Benefit from our extensive coverage and best-in-class conversion rates.


bank coverage in each market we cover.

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Get in touch.

Have questions? Want to talk? We got you. Our open banking experts are at the ready.