Bank Universe API (2.0.0)

Download OpenAPI specification:Download

API to fetch details for

Countries
Bankgroups which bundle various banks together (e.g. the Sparkassen Group in germany)
Banks
Integrations which represent the integration towards one or more banks (e.g. different APIs, Portals for Business/Coporate customers, Fallback integrations) which are supported with Klarna Open Banking.

bank-groups

Returns a bank-group

Authorizations:

TokenAuth

Request Body schema: application/json

Payload to fetch a bank-group

country required	string <ISO 3166-1 alpha-2> ISO 3166-1 alpha-2 representation of the country
bank_group_krn required	string <KRN> The unique klarna resource name of the bank-group

Responses

Request samples

Payload

Content type

application/json

{"country": "DE",
"bank_group_krn": "krn:openbanking:global:bank-group:b49b66ac-868b-47f0-9587-fd9ae02a9627"
}

Response samples

200
400
403

Content type

application/json

{"bank_group_krn": "krn:openbanking:global:bank-group:b49b66ac-868b-47f0-9587-fd9ae02a9627",
"name": "Sparkasse",
"country": "DE",
"group_selection_recommended": true,
"logos": [{"logo_url": "https://x.klarnacdn.net/xs2a/assets/bank-logos-krn/de/png/50_50/abc.png",
"filetype": "PNG",
"optimized_for": {"property1": true,
"property2": true
},
"width": 50,
"height": 50
}
],
"bank_colors": {"background": "#FF00FF",
"label": "#222222"
}
}

Returns a list of bank-groups

Authorizations:

TokenAuth

Request Body schema: application/json

Payload to fetch a list of bank-groups

country required	string <ISO 3166-1 alpha-2> ISO 3166-1 alpha-2 representation of the country
	object (PaginationRequestV2) Describes a paginated request

Responses

Request samples

Payload

Content type

application/json

{"country": "DE",
"pagination": {"size": 10,
"offset": 10
}
}

Response samples

200
400
403

Content type

application/json

{"bank_groups": [{"bank_group_krn": "krn:openbanking:global:bank-group:b49b66ac-868b-47f0-9587-fd9ae02a9627",
"name": "Sparkasse",
"country": "DE",
"group_selection_recommended": true,
"logos": [{"logo_url": "https://x.klarnacdn.net/xs2a/assets/bank-logos-krn/de/png/50_50/abc.png",
"filetype": "PNG",
"optimized_for": {"property1": true,
"property2": true
},
"width": 50,
"height": 50
}
],
"bank_colors": {"background": "#FF00FF",
"label": "#222222"
}
}
],
"pagination": {"count": 10,
"total": 200,
"offset": 10,
"next": {"size": 10,
"offset": 20
},
"prev": {"size": 10,
"offset": 0
}
}
}

banks

Returns a bank

Authorizations:

TokenAuth

Request Body schema: application/json

Payload to fetch a bank with all integrations details

country required	string <ISO 3166-1 alpha-2> ISO 3166-1 alpha-2 representation of the country
bank_krn required	string <KRN> A unique klarna resource name for the bank

Responses

Request samples

Payload

Content type

application/json

{"country": "DE",
"bank_krn": "krn:openbanking:global:bank:f15ca33f-cd76-46b8-88f3-403e11bdc710"
}

Response samples

200
400
403

Content type

application/json

{"country": "DE",
"bank_krn": "krn:openbanking:global:bank:f15ca33f-cd76-46b8-88f3-403e11bdc710",
"name": "Sparkasse Gießen",
"group": {"bank_group_krn": "krn:openbanking:global:bank-group:b49b66ac-868b-47f0-9587-fd9ae02a9627",
"name": "Sparkasse",
"country": "DE",
"group_selection_recommended": true,
"logos": [{"logo_url": "https://x.klarnacdn.net/xs2a/assets/bank-logos-krn/de/png/50_50/abc.png",
"filetype": "PNG",
"optimized_for": {"property1": true,
"property2": true
},
"width": 50,
"height": 50
}
],
"bank_colors": {"background": "#FF00FF",
"label": "#222222"
}
},
"bics": ["SKGIDE5FXXX",
"SKGIDE5F513",
"SKGIDE5FKTO",
"SKGIDE5F500"
],
"bic_bank_codes": ["ABNA"
],
"bank_codes": ["2100"
],
"local_routing_numbers": ["5000"
],
"synthetic_bank_codes": [ ],
"address": {"street_address": "Johannesstraße 3",
"street_address2": "3. Floor",
"postal_code": "35390",
"city": "Gießen",
"country": "DE"
},
"popularity": 1000,
"integrations": [{"country": "DE",
"integration_krn": "krn:openbanking:global:integration:2092b601-ac9c-46de-a975-bd8e203f1479",
"onboarding_required": true,
"access_method": "PSD2",
"sub_integrations": [{"sub_integration_krn": "krn:openbanking:global:sub-integration:128aca15-30ae-4c9c-aaf6-656687805ad4",
"version": "V2",
"priority": 1,
"activation_required": true,
"exact_bank_code_required": false,
"capabilities": {"consumer_types": ["PERSONAL"
],
"source_types": ["BANK"
],
"auth": {"processes": ["EMBEDDED"
]
},
"consents": {"supported": true,
"lifetime": {"min_in_days": 1,
"max_in_days": 90
}
},
"accounts": {"supported": true,
"consent_supported": true
},
"account_details": {"supported": true,
"consent_supported": true
},
"balances": {"supported": true,
"consent_supported": true
},
"transactions": {"supported": true,
"max_history": {"recurring": {"days": 180
},
"with_psu_present": {"days": 90
}
},
"transaction_id_consistency": "CONSISTENT",
"states": "BOOKED",
"consent_supported": true
},
"transfer": {"supported": true,
"domestic": {"supported": true,
"instant_payments": {"sending": true,
"receiving": true
},
"debtor_needed": true,
"funds_check": "NOT_RELIABLE",
"mandatory_data": {"debtor": {"account_id": null,
"iban": null
},
"creditor": {"holder_name": null,
"iban": null,
"bank_code": null,
"account_number": null,
"bic": null,
"address": null
}
}
},
"sepa": {"supported": true,
"instant_payments": {"sending": true,
"receiving": true
},
"debtor_needed": true,
"funds_check": "NOT_RELIABLE",
"mandatory_data": {"debtor": {"account_id": null,
"iban": null
},
"creditor": {"holder_name": null,
"iban": null,
"bank_code": null,
"account_number": null,
"bic": null,
"address": null
}
}
}
}
}
}
]
}
],
"logos": [{"logo_url": "https://x.klarnacdn.net/xs2a/assets/bank-logos-krn/de/png/50_50/abc.png",
"filetype": "PNG",
"optimized_for": {"property1": true,
"property2": true
},
"width": 50,
"height": 50
}
],
"bank_colors": {"background": "#FF00FF",
"label": "#222222"
},
"statistics": {"accounts": {"holder_percentage": 0,
"iban_percentage": 0,
"bic_percentage": 0,
"account-number_percentage": 0
},
"account_details": {"holder_percentage": 0,
"iban_percentage": 0,
"bic_percentage": 0,
"account-number_percentage": 0
},
"balance": {"balance_percentage": 0,
"available_percentage": 0,
"limit_percentage": 0,
"reserved_percentage": 0
},
"transaction": {"bank-references_percentage": {"property1": 0,
"property2": 0
}
}
}
}

Returns a list of supported banks

Authorizations:

TokenAuth

Request Body schema: application/json

Payload to fetch a list of banks

country required	string <ISO 3166-1 alpha-2> ISO 3166-1 alpha-2 representation of the country
	object (FilterRequestV2) Object which contains a filter which should be applied.
	object (PaginationRequestV2) Describes a paginated request

Responses

Request samples

Payload

Content type

application/json

{"country": "DE",
"filter": {"access_methods": ["PSD2"
]
},
"pagination": {"size": 10,
"offset": 10
}
}

Response samples

200
400
403

Content type

application/json

{"banks": [{"country": "DE",
"bank_krn": "krn:openbanking:global:bank:f15ca33f-cd76-46b8-88f3-403e11bdc710",
"name": "Sparkasse Gießen",
"bank_group_krn": "krn:openbanking:global:bank-group:b49b66ac-868b-47f0-9587-fd9ae02a9627",
"bics": ["SKGIDE5FXXX",
"SKGIDE5F513",
"SKGIDE5FKTO",
"SKGIDE5F500"
],
"bic_bank_codes": ["ABNA"
],
"bank_codes": ["2100"
],
"local_routing_numbers": ["5000"
],
"synthetic_bank_codes": [ ],
"address": {"street_address": "Johannesstraße 3",
"street_address2": "3. Floor",
"postal_code": "35390",
"city": "Gießen",
"country": "DE"
},
"popularity": 1000,
"logos": [{"logo_url": "https://x.klarnacdn.net/xs2a/assets/bank-logos-krn/de/png/50_50/abc.png",
"filetype": "PNG",
"optimized_for": {"property1": true,
"property2": true
},
"width": 50,
"height": 50
}
],
"bank_colors": {"background": "#FF00FF",
"label": "#222222"
},
"statistics": {"accounts": {"holder_percentage": 0,
"iban_percentage": 0,
"bic_percentage": 0,
"account-number_percentage": 0
},
"account_details": {"holder_percentage": 0,
"iban_percentage": 0,
"bic_percentage": 0,
"account-number_percentage": 0
},
"balance": {"balance_percentage": 0,
"available_percentage": 0,
"limit_percentage": 0,
"reserved_percentage": 0
},
"transaction": {"bank-references_percentage": {"property1": 0,
"property2": 0
}
}
}
}
],
"pagination": {"count": 10,
"total": 200,
"offset": 10,
"next": {"size": 10,
"offset": 20
},
"prev": {"size": 10,
"offset": 0
}
}
}

Returns a list of supported banks for the requested bank data

Authorizations:

TokenAuth

Request Body schema: application/json

iban	string Search a bank for the given IBAN
bic	string Search a bank for the given BIC
bank_code	string Search a bank for the given bank code. This includes also synthetic_bank_code, bic_bank_code and local_routing_number
country required	string <ISO 3166-1 alpha-2> ISO 3166-1 alpha-2 representation of the country

Responses

Request samples

Payload

Content type

application/json

{"iban": "DE06000000000023456789",
"bic": "DEUTDEBB174",
"bank_code": "10070000",
"country": "DE"
}

Response samples

200
400
403

Content type

application/json

{"banks": [{"country": "DE",
"bank_krn": "krn:openbanking:global:bank:f15ca33f-cd76-46b8-88f3-403e11bdc710",
"name": "Sparkasse Gießen",
"group": {"bank_group_krn": "krn:openbanking:global:bank-group:b49b66ac-868b-47f0-9587-fd9ae02a9627",
"name": "Sparkasse",
"country": "DE",
"group_selection_recommended": true,
"logos": [{"logo_url": "https://x.klarnacdn.net/xs2a/assets/bank-logos-krn/de/png/50_50/abc.png",
"filetype": "PNG",
"optimized_for": {"property1": true,
"property2": true
},
"width": 50,
"height": 50
}
],
"bank_colors": {"background": "#FF00FF",
"label": "#222222"
}
},
"bics": ["SKGIDE5FXXX",
"SKGIDE5F513",
"SKGIDE5FKTO",
"SKGIDE5F500"
],
"bic_bank_codes": ["ABNA"
],
"bank_codes": ["2100"
],
"local_routing_numbers": ["5000"
],
"synthetic_bank_codes": [ ],
"address": {"street_address": "Johannesstraße 3",
"street_address2": "3. Floor",
"postal_code": "35390",
"city": "Gießen",
"country": "DE"
},
"popularity": 1000,
"integrations": [{"country": "DE",
"integration_krn": "krn:openbanking:global:integration:2092b601-ac9c-46de-a975-bd8e203f1479",
"onboarding_required": true,
"access_method": "PSD2",
"sub_integrations": [{"sub_integration_krn": "krn:openbanking:global:sub-integration:128aca15-30ae-4c9c-aaf6-656687805ad4",
"version": "V2",
"priority": 1,
"activation_required": true,
"exact_bank_code_required": false,
"capabilities": {"consumer_types": ["PERSONAL"
],
"source_types": ["BANK"
],
"auth": {"processes": [null
]
},
"consents": {"supported": true,
"lifetime": {"min_in_days": null,
"max_in_days": null
}
},
"accounts": {"supported": true,
"consent_supported": true
},
"account_details": {"supported": true,
"consent_supported": true
},
"balances": {"supported": true,
"consent_supported": true
},
"transactions": {"supported": true,
"max_history": {"recurring": null,
"with_psu_present": null
},
"transaction_id_consistency": "CONSISTENT",
"states": "BOOKED",
"consent_supported": true
},
"transfer": {"supported": true,
"domestic": {"supported": null,
"instant_payments": null,
"debtor_needed": null,
"funds_check": null,
"mandatory_data": null
},
"sepa": {"supported": null,
"instant_payments": null,
"debtor_needed": null,
"funds_check": null,
"mandatory_data": null
}
}
}
}
]
}
],
"logos": [{"logo_url": "https://x.klarnacdn.net/xs2a/assets/bank-logos-krn/de/png/50_50/abc.png",
"filetype": "PNG",
"optimized_for": {"property1": true,
"property2": true
},
"width": 50,
"height": 50
}
],
"bank_colors": {"background": "#FF00FF",
"label": "#222222"
},
"statistics": {"accounts": {"holder_percentage": 0,
"iban_percentage": 0,
"bic_percentage": 0,
"account-number_percentage": 0
},
"account_details": {"holder_percentage": 0,
"iban_percentage": 0,
"bic_percentage": 0,
"account-number_percentage": 0
},
"balance": {"balance_percentage": 0,
"available_percentage": 0,
"limit_percentage": 0,
"reserved_percentage": 0
},
"transaction": {"bank-references_percentage": {"property1": 0,
"property2": 0
}
}
}
}
]
}

countries

Returns a list of supported countries

Authorizations:

TokenAuth

Responses

Response samples

200
403

Content type

application/json

{"countries": ["AT",
"BE",
"CH",
"DE",
"ES",
"FI",
"FR",
"GB",
"IT",
"SE",
"NL",
"NO",
"PT"
]
}

integrations

Fetch all integrations for a country

Authorizations:

TokenAuth

Request Body schema: application/json

Payload to a bank with all integrations details

country required	string <ISO 3166-1 alpha-2> ISO 3166-1 alpha-2 representation of the country
	object (FilterRequestV2) Object which contains a filter which should be applied.
	object (PaginationRequestV2) Describes a paginated request

Responses

Request samples

Payload

Content type

application/json

{"country": "DE",
"filter": {"access_methods": ["PSD2"
]
},
"pagination": {"size": 10,
"offset": 10
}
}

Response samples

200
400
403

Content type

application/json

{"integrations": [{"country": "DE",
"integration_krn": "krn:openbanking:global:integration:2092b601-ac9c-46de-a975-bd8e203f1479",
"onboarding_required": true,
"access_method": "PSD2",
"sub_integrations": [{"sub_integration_krn": "krn:openbanking:global:sub-integration:128aca15-30ae-4c9c-aaf6-656687805ad4",
"version": "V2",
"priority": 1,
"activation_required": true,
"exact_bank_code_required": false,
"capabilities": {"consumer_types": ["PERSONAL"
],
"source_types": ["BANK"
],
"auth": {"processes": ["EMBEDDED"
]
},
"consents": {"supported": true,
"lifetime": {"min_in_days": 1,
"max_in_days": 90
}
},
"accounts": {"supported": true,
"consent_supported": true
},
"account_details": {"supported": true,
"consent_supported": true
},
"balances": {"supported": true,
"consent_supported": true
},
"transactions": {"supported": true,
"max_history": {"recurring": {"days": 180
},
"with_psu_present": {"days": 90
}
},
"transaction_id_consistency": "CONSISTENT",
"states": "BOOKED",
"consent_supported": true
},
"transfer": {"supported": true,
"domestic": {"supported": true,
"instant_payments": {"sending": true,
"receiving": true
},
"debtor_needed": true,
"funds_check": "NOT_RELIABLE",
"mandatory_data": {"debtor": {"account_id": null,
"iban": null
},
"creditor": {"holder_name": null,
"iban": null,
"bank_code": null,
"account_number": null,
"bic": null,
"address": null
}
}
},
"sepa": {"supported": true,
"instant_payments": {"sending": true,
"receiving": true
},
"debtor_needed": true,
"funds_check": "NOT_RELIABLE",
"mandatory_data": {"debtor": {"account_id": null,
"iban": null
},
"creditor": {"holder_name": null,
"iban": null,
"bank_code": null,
"account_number": null,
"bic": null,
"address": null
}
}
}
}
},
"bank_krns": ["krn:openbanking:global:bank:f15ca33f-cd76-46b8-88f3-403e11bdc710"
]
}
]
}
],
"pagination": {"count": 10,
"total": 200,
"offset": 10,
"next": {"size": 10,
"offset": 20
},
"prev": {"size": 10,
"offset": 0
}
}
}