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Simple online bank transfers.

Safe, direct, and fast payments you can trust powered by Klarna Kosma's open banking.

Built to make your life easier

Built on open banking to make your life easier.

The open banking revolution has arrived. Banking used to be so complex and time-consuming, but our Klarna Kosma open banking platform allows SOFORT to provide safe and easy online bank transfers, using our own proprietary infrastructure.


Our Klarna Kosma open banking platform has one of the widest bank connections in the world. Is stable, proven and easy to integrate. Discover all the possibilities open banking with Klarna Kosma has to offer to your business.

Direct to business

Direct to business.

SOFORT Bank Transfer is our convenient and reliable payment method. It allows for direct and secure payments using personal online banking credentials, with businesses receiving real-time transaction confirmation.

SOFORT Bank Transfer can be accessed with one-time identification. No account creation is necessary, and personal details don’t need to be saved.

Whether you’re a business or a customer, SOFORT has the ideal secure payment product for you.