What is the savings rate at Klarna Bank?

At Klarna Bank the highest effective annual rate for €16,600 is currently 2.22% on instant-access savings and 3.24% on a 4 years deposit. The table on this page has every offer with its rate and conditions.

Is my money safe at Klarna Bank?

Klarna Bank (Klarna Bank AB (publ)) takes part in Insättningsgarantin (Riksgälden). If the bank fails, that scheme repays your savings up to €104,000 per person, interest included.

Klarna Bank

Klarna Bank AB (publ) · Sweden · supervised by Finansinspektionen

Website

Offers: 16
Instant access: 2.22%; highest effective
Deposit: 3.24%; highest effective
Deposit guarantee: Until 1.150.000 SEK (≈ €104,000); Sweden scheme

Offers from Klarna Bank

Your amount€Calculated over

Product	Type	Rate	Effective	Your return
Flex rekening	Instant access	2.20% ▼ 0.80Rate over the last 365 days. Lowered on 30 Sep 2026 from 3.00% to 2.20%.	2.22%	€369 interest per year	Details
Spaarrekening via Raisin	Instant access	2.01% ▲ 0.21Rate over the last 365 days. Raised on 18 Sep 2026 from 1.80% to 2.01%.	2.03%	€336 interest per year	Details
Termijndeposito via Raisin	Deposit · 3 months	1.65%	1.66%	€276 per year, annualised	Details
Termijndeposito via Raisin	Deposit · 6 months	1.96% ▼ 0.44Rate over the last 365 days. Lowered on 12 Oct 2026 from 2.40% to 1.96%.	1.97%	€327 per year, annualised	Details
Vaste rekening	Deposit · 9 months	2.46%	2.47%	€410 per year, annualised	Details
Termijndeposito via Raisin	Deposit · 9 months	2.27%	2.28%	€378 per year, annualised	Details
Vaste rekening	Deposit · 1 year	2.95% ▼ 0.05Rate over the last 365 days. Lowered on 9 Oct 2026 from 3.00% to 2.95%.	2.95%	€490 interest per year	Details
Termijndeposito via Raisin	Deposit · 1 year	2.76% ▼ 0.05Rate over the last 365 days. Lowered on 12 Oct 2026 from 2.81% to 2.76%.	2.76%	€458 interest per year	Details
Vaste rekening	Deposit · 18 months	3.11% ▲ 0.09Rate over the last 365 days. Raised on 25 Sep 2026 from 3.02% to 3.11%.	3.11%	€516 per year, annualised	Details
Termijndeposito via Raisin	Deposit · 18 months	2.92% ▼ 0.10Rate over the last 365 days. Lowered on 15 Sep 2026 from 3.02% to 2.92%.	2.93%	€486 per year, annualised	Details
Vaste rekening	Deposit · 2 years	3.15% ▲ 0.10Rate over the last 365 days. Raised on 25 Sep 2026 from 3.05% to 3.15%.	3.15%	€523 per year, annualised	Details
Termijndeposito via Raisin	Deposit · 2 years	2.96% ▼ 0.09Rate over the last 365 days. Lowered on 15 Sep 2026 from 3.05% to 2.96%.	2.96%	€491 per year, annualised	Details
Vaste rekening	Deposit · 3 years	3.19% ▲ 0.11Rate over the last 365 days. Raised on 25 Sep 2026 from 3.08% to 3.19%.	3.19%	€530 per year, annualised	Details
Termijndeposito via Raisin	Deposit · 3 years	3.00% ▼ 0.08Rate over the last 365 days. Lowered on 15 Sep 2026 from 3.08% to 3.00%.	3.00%	€498 per year, annualised	Details
Vaste rekening	Deposit · 4 years	3.24% ▲ 0.14Rate over the last 365 days. Raised on 25 Sep 2026 from 3.10% to 3.24%.	3.24%	€538 per year, annualised	Details
Termijndeposito via Raisin	Deposit · 4 years	3.05% ▼ 0.05Rate over the last 365 days. Lowered on 15 Sep 2026 from 3.10% to 3.05%.	3.05%	€506 per year, annualised	Details

Saving at Klarna Bank

Klarna Bank is a bank from Sweden, supervised by Finansinspektionen. You can open an account with the bank itself or through the savings platform Raisin.

For €16,600 we list 2 instant-access accounts and 14 deposits from Klarna Bank, with terms from 3 months to 4 years. The best instant-access account, Flex rekening, pays an effective 2.22% a year. The highest instant-access rate in our comparison is 3.04% right now. The best-paying deposit runs for 4 years at an effective 3.24% a year.

The lowest minimum deposit is €1.

Savings at Klarna Bank fall under Insättningsgarantin (Riksgälden), the statutory deposit guarantee scheme of Sweden, up to €104,000 per person. We checked that with the supervisor or the scheme itself. Sweden does not withhold tax on the interest of a saver who lives in the Netherlands.

What is the savings rate at Klarna Bank?: At Klarna Bank the highest effective annual rate for €16,600 is currently 2.22% on instant-access savings and 3.24% on a 4 years deposit. The table on this page has every offer with its rate and conditions.
Is my money safe at Klarna Bank?: Klarna Bank (Klarna Bank AB (publ)) takes part in Insättningsgarantin (Riksgälden). If the bank fails, that scheme repays your savings up to €104,000 per person, interest included.
Do I pay withholding tax on interest from Klarna Bank?: Sweden does not withhold tax on the interest of a saver who lives in the Netherlands.
How do I open an account at Klarna Bank?: You can open an account with the bank itself or through the savings platform Raisin.

Deposit guarantee and licence

Institution: Klarna Bank AB (publ)
Status: Verified European deposit guarantee scheme
Scheme: Insättningsgarantin (Riksgälden)
Guarantee: 1.150.000 SEK (≈ €104,000) per person per institution
Verification: Raisin wettelijke DGS-disclosure
details
Riksgälden
source ↗ · 2 Nov 2026

Recent changes

Rate history RSS

31 Oct 2026, 02:45 · DeactivatedKlarna – Vaste rekening 3m not found in 12 consecutive runs; deactivated
31 Oct 2026, 02:45 · DeactivatedKlarna – Vaste rekening 6m not found in 12 consecutive runs; deactivated
28 Oct 2026, 21:50 · Possibly goneKlarna – Vaste rekening 3m missing from the source (3 runs)
28 Oct 2026, 21:50 · Possibly goneKlarna – Vaste rekening 6m missing from the source (3 runs)
12 Oct 2026, 02:22 · Rate downKlarna Bank – Termijndeposito (12 mo): 2.81% → 2.76%
12 Oct 2026, 02:22 · Rate downKlarna Bank – Termijndeposito (6 mo): 2.40% → 1.96%
9 Oct 2026, 09:38 · Rate downKlarna – Vaste rekening (12 mo): 3.00% → 2.95%
9 Oct 2026, 09:38 · Rate downKlarna – Vaste rekening (6 mo): 2.59% → 2.15%
30 Sep 2026, 19:20 · Promotion endedKlarna – Flex rekening: promotional rate 3.00% ended; the rate is now 2.20%
25 Sep 2026, 09:19 · Rate upKlarna – Vaste rekening (24 mo): 3.05% → 3.15%
25 Sep 2026, 09:19 · Rate downKlarna – Vaste rekening (6 mo): 2.89% → 2.59%
25 Sep 2026, 09:19 · Rate upKlarna – Vaste rekening (48 mo): 3.10% → 3.24%

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