Klarna

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CASINO: 200% up to €1000 + 10% Daily Cashback | SPORTS: 10% Cashback on Live Sports
Main Terms
Min deposit €20. Bonus release after wagering 30x B with real funds only. Multiple deposits can be made. 10% cashback on bonus-free deposits, credited daily with no wagering. Max cashout from bonus or cashback €2000. Different Sports rules. Offer may vary by country. Full T&C Apply. 18+ | new players only | gamble responsibly.
CASINO: 200% up to €1000 + 10% Daily Cashback | SPORTS: 10% Cashback on Live Sports
Main Terms
Min deposit €20. Bonus release after wagering 30x B with real funds only. Multiple deposits can be made. 10% cashback on bonus-free deposits, credited daily in real cash. Max cashout from bonus or cashback €2000. Different Sports rules. Offer may vary by country. Full T&C Apply. 18+ | new players only | gamble responsibly
CASINO: 200% up to €1000 + 10% Daily Cashback | SPORTS: 10% Cashback on Live Sports
Main Terms
Min deposit €20. Wagering is 30x B with real funds only. Bonus release after wagering is completed. Multiple deposits can be made. 10% cashback on bonus-free deposits, credited daily with no wagering. Max cashout from bonus or cashback €2000. Different Sports rules. Offer may vary by country. Full T&C Apply. 18+ | new players only | gamble responsibly.
100% up to €300 for Casino + €100 for Sports + 100 Spins
Main Terms
Code: BONUS400 to receive all three parts of the bonus | Min deposit €10. Wagering 35x bonus and 35x spins. Max cashout 7x bonus and €100 for spins. Sports bonus wagering 4x with min odds 1.35. Full T&C apply. 18+ | new players only | gamble responsibly

100% up to €300 + 100 ZeeSpins + 500 ZeePoints

Main Terms

Min deposit €20. Spins credited @ 10/day. Wagering 35x D+B and 35x for Spins. Max bet €5. Max cashout not limited for bonus, €50 for spins. More bonuses for deposit two and three. Full T&C apply. 18+ | new players only | gamble responsibly

Up to 15% Daily Cashback

Main Terms

Min deposit required to qualify. Daily rewards can be Free Spins, Super Spins or Bonus Cashback. Wagering is 10x for CB and 50x for spins. No max cashout. T&Cs apply. 18+ | new and existing players | gamble responsibly

Up to 15% Daily Cashback

Main Terms

Daily rewards for active players. Wagering 10x for cashback + 50x for reward spins. Max bet €5. Full T&Cs apply. 18+ | new players only | gamble responsibly

CASINO: 100% up to €500 + 200 Spins | SPORTS: 100% up to €100

Main Terms

Min deposit €20. Wagering 35x D+B for 100% bonus, 40x for spins. Max bet €5. No max cashout for most countries. No Neteller or Skrill. Different terms for Sports. Full T&C apply. 18+ | new players only | gamble responsibly

CASINO: 100% up to €500 + 200FS + 1 Bonus Crab | SPORTS: 100% up to €100

Main Terms

Min deposit €20. Wagering 35x D+B for 100% bonus, 40x for spins. Max bet €5. No max cashout for most countries. No Neteller or Skrill. Different terms for Bonus Crab and Sports. Full T&C apply. 18+ | new players only | gamble responsibl

CASINO: 120% up to €240 + max. 100FS | SPORTS: 100% up to €200

Main Terms

Min deposit €20. Wagering 35x D+B for bonus and 40x for spins. Max bet €5. More bonuses for 2nd, 3rd and 4th deposit. No max cashout for most countries. No Neteller or Skrill. Different terms for Sports bonus. Full T&Cs apply. 18+ | new players only | gamble responsibly

CASINO: 100% up to €500 + 200FS + 1 Bonus Crab | SPORTS: 100% up to €100
Main Terms
Min deposit €20. Wagering 35x D+B for 100% bonus, 40x for spins. Max bet €5. No max cashout for most countries. No Neteller or Skrill. Different terms for Bonus Crab and Sports. Full T&C apply. 18+ | new players only | gamble responsibly

100% up to €500 + 200 Spins + 1 Bonus Crab

Main Terms

Min deposit €20. Wagering 35x D+B for 100% bonus, 40x for spins. Max bet €5. No max cashout for most countries. No Neteller or Skrill. Full T&C apply. 18+ | new players only | gamble responsibly

CASINO: 100% up to €500 + 200FS + 1 BC | SPORTS: 100% Risk-Free Bet up to €100

Main Terms

Min deposit: €20; Wagering 35x D+B for bonus and 40x for Spins; Max bet €5. No max cashout for most countries. No Neteller or Skrill. Different Bonus Crab and Sports terms. Full T&Cs apply. 18+ | new players only | gamble responsibly

CASINO: 100% up to €500 | SPORTS: 100% up to €100

Main Terms

Min deposit €20. Activate in My Bonus section after deposit. Wagering is 35x D+B, max bet €5, no max cashout for most countries. Separate Sports terms. No Neteller or Skrill. T&Cs apply. 18+ | new players only | gamble responsibly

200% up to €2,500 + 50 Spins

Main Terms

Bonus is 100% up to €2,500 + 50 Spins in some countries. Min deposit €20; Max spin winnings credited as bonus €100; Wagering 35x D+B+ spins; Max bet €5; No max cashout; No Skrill or Neteller; Offer may vary by country; Full T&C apply. 18+ | new players only | gamble responsibly

Up to 15% Daily Bonus Cashback

Main Terms

Daily rewards for active players - Bonus Spins or up to 15% Bonus Cashback based on net losses. Deposit required to qualify. Wagering requirement is 10x for cashback & 50x for spins. Rewards must be used by midnight. T&C apply. 18+ | gamble responsibly

100% up to €500 + 100 Spins

Main Terms

Min deposit €20; Claimed bonus amount credited in cash after 35x wagering is completed. Multiple deposits can be made to meet WR. No max bet or max cashout. Ecopayz, Skrill and Neteller excluded. Not available in selected countries. T&C apply. 18+ | new players only | gamble responsibly

100% up to €500 + 200 Spins

Main Terms

Min deposit €20. Wagering 35x D+B for bonus, 40x for spins. Max bet €5. No max cashout. No Neteller or Skrill. Full T&C apply. 18+ | new players only | gamble responsibly

200% up to €1,000 + 10% Daily Cashback

Main Terms

Min deposit €10. Wagering is 30x B with real funds. Max bet €5. Bonus funds clear after wagering. Multiple deposits can be made. 10% cashback on lost, bonus-free deposits, credited daily with no wagering. Max cashout from bonus or cashback €2000. Offer may vary by country. Full T&C Apply. 18+ | gamble responsibly.

100 Cash Spins - No Limits

Main Terms

Min deposit €20; 20 Cash Spins credited daily over 5 days; No wagering, no cashout limits; Offer may vary by country; Full T&C apply. 18+ | new players only | gamble responsibly

Klarna

Commonly known as Klarna, Klarna Bank AB is a fintech company born out of Stockholm, Sweden. Founded in 2005 by Niklas Adalberth, Victor Jacobsson and Sebastian Siemiatkowski, the company is a payment service provider. Primarily lending expertise in e-commerce banking solutions, Klarna provides payment solutions for businesses and consumers.

The Klarna product range encompasses a broad spectrum of payment processing applications. From online influencer subscriptions to full checkout solutions, Klarna powers millions of payments in a variety of ways. Consumers can take advantage of credit cards, browser extensions or a dedicated shopping app. At the business end, merchants can employ the full scope of checkout services, including open banking, which has seen high demand in the gaming sector with ‘Pay N Play’ style casinos.

Klarna for BusinessThe company acquired SOFORT in 2014 to form the Klarna Group. In 2023, the group employs 5,000+ people and serves 500,000+ merchants, processing 2,000,000 transactions per day to 150,000,000 consumers. Klarna Group is backed by investor groups like Ant Group, Silver Lake, Sequoia Capital, Dragoneer, Visa, Permira, Bestseller Group, and Atomico.

Payment Solutions for Every Occasion

Consumers drive an accommodating range of Klarna products, designed to make payments fast and simple. Available on iOS and Android devices, or web browser extensions, the Klarna App enables payments for goods and services globally. Users can spread the cost of purchases with buy-now-pay-later, or split payment, arrangements on an intuitive interface with special deals and discount codes, tracking updates, and more, via exclusive in-app partnerships.

The app links shoppers with high street giants, designer studios, and a whole lot more. Users can browse virtual stores or find the latest shopping trends, loyalty is encouraged with a rewards club, and the Klarna VISA card provides a credit service. You can buy food and drink, pet supplies, toys and games, and more, from big brand partners like Deliveroo, Calvin Klein, JD Sports, Halfords, Trip.com, Monsoon, Game, Montblanc and Harrods.

For a complete global payment solution, online storefronts use Klarna Checkout. The popular gateway accepts all major payment methods and offers one-click purchases automated billing and delivery, as well as customer interactions via instant messaging. These services combined provide a simple all-in-one solution for online purchasing. As a leading provider of open banking services in 2023, Klarna connects to over 15,000 banks and financial institutions in 24 countries.

Open Banking and Klarna Kosma

Klarna Kosma is a sub-brand and sister company forged in 2022 due to necessary expansion from increased demand and years of platform development. Klarna Kosma was created as a dedicated operation to focus on the development of open banking solutions at the tip of the technological spear.

In a 2022 press release from the Klarna website, CTO, Yaron Shaer had this to say regarding the creation of the new brand:

“With Kosma we are opening up the power of our proprietary Open Banking platform and technology to banks, merchants and fintechs who share our dream of a world where consumers own their data and banks compete for customers by delivering value, not by locking in data.”

Vice President, Wilko Klaassen of Klarna Kosma added:

“Over the past year, the demand for Open Banking services from financial institutions and fintech start-ups, has reached a tipping point, which is why we have built a dedicated business unit which brings together engineering, product management, sales and marketing all together in the same team to focus on this $15bn, fast-growing market.”

Klarna Kosma Open BankingOpen banking allows payment service providers, like Kosma, to create secure connections with banks or financial institutions, and facilitate instant transfers. Via the Kosma platform, open banking allows merchants to check the name, age, and address of customers if given permission. This allows instant account creation and, in the case of online casinos, helps to meet basic licencing and anti-money laundering requirements.

The Benefits of Kosma Gaming

Klarna cut its open banking teeth on the gaming industry with a product to rival Pay N Play by Trustly. Casinos with open banking functionality have become commonly known by the fintech competitor’s brand name, and are often referred to as ‘Pay N Play casinos’. Open banking enables automatic registration, basic player verification, and immediate bank-to-bank transactions via secure connections. Because Pay N Play casinos meet the desire for hassle-free cashouts, they are the pinnacle of casino banking operations.

Klarna Kosma is your gateway to instant payments. The process is handled by APIs (Application Programming Interface), one powered by Kosma at the checkout or casino cashier, and the other at the designated banking organisation. This affords two layers of high-level security, protecting players and the casino. The Kosma platform communicates with the bank in question to process and verify a transaction.

Along with instant bank transfers, Kosma can check account information before facilitating payment. Tracking and reporting, player verification, and account creation are some of the added benefits open banking has over traditional methods. Because of the technology’s flexibility, open banking is more than just a way to exchange money and can assist with operational needs like casino KYC (Know Your Customer) licencing requirements via automated player verification.

Onboarding players is a seamless experience, and, once enabled, deposits and withdrawals at Kosma casinos are completed in seconds. Simply deposit and play using your online banking credentials through the Kosma portal. Bank-level security shields sensitive information, which is not shared with Kosma or the casino who communicate by encrypted notifications in the blink of an eye. However, while open banking is pacey and efficient, some online casinos may employ a checking procedure before authorizing a withdrawal, which could delay a potential withdrawal.