Take wealth management to the next level.

Onboard customers and verify their identity quickly and enable instant, low-cost money transfers.

The challenge.

Third-party connectivity, account insights, up-to-date balances, and reliable payments all need to work smoothly.


Onboarding bank and investment accounts needs to be hassle-free.


Keeping costs low is critical for many wealthtech solutions.


Ensuring fast and reliable payments can be the difference between success and failure.

How can Kosma help.

Boost your AUM.

Watch your assets grow as Open Banking removes pain points for users.


Low-cost transfers make it easy to handle even small sums for automated solutions.

Tailored insights.

Analyze transaction data to deliver bespoke advice for your users.

Discover the products.

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Account Verification.

Get it right the first time, every time.

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Bank Transfer.

Initiate bank transfers online.

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Connect your business to multiple third-party bank accounts around the world.

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Risk Management.

Use transaction history to understand risk.

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.

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.