Klarna BankFlex rekening
Instant access · Klarna Bank AB (publ) · Sweden · Directly at the bank
Promotional rateNew customers only
- Promotional rate
- 3.00%
- then 2.20%
- since 18 Sep 2026
- EffectiveThe effective annual rate for €10,000: what you really earn per year, after fees and including compound interest, so that terms and payout frequencies are comparable. The promotional rate applies for until 2027-03-31 on at most €50,000; after that 2.20%. Interest is compounded during the term and earns interest on interest.
- 2.66%
- for €10,000
- Your return on €10,000
- €266
- interest per year
- Deposit guarantee
- €10,000 fully protectedSwedish scheme
Klarna Bank AB (publ) · Insättningsgarantin (Riksgälden) · €104,000 per person per bank
Your calculation for €10,000
Gross interest over 1 year: €266.
Existing customers do not get the promotional rate: 2.20% → €222 over 1 year.
In the calculation: 6.45 months promotional rate (€162.40), then the base rate.
Assumption: the variable rate stays the same for the whole period. Gross, before tax.
Interest built up over 1 year
Rate and conditions
| Balance | Rate |
|---|---|
| €0 – and up | 2.20% |
- Interest payout
- monthly, compounded (interest on interest)
- Fees
- none
Promotion conditions
- Promotional rate 3.00% until 31 Mar 2027 on at most €50,000
- New customers only
- Promotionele vaste rente 3% voor Flex-rekeningen geopend uiterlijk 2026-09-30, tot 2027-03-31, over maximaal € 50.000 per rekening; daarna de standaard variabele rente.
- Access
- Instant access
- Minimum deposit
- none
- Maximum deposit
- not stated
- Current account required
- no
- For whom
- new and existing customers
- Open via
- Direct · available to residents of the Netherlands
- Rente dagelijks berekend en maandelijks uitbetaald
- Maximaal 3 Flex-rekeningen per persoon
- Plus/Premium/Max-leden krijgen 0,10/0,20/0,50% extra (niet meegerekend)
Deposit guarantee
€10,000 fully protected
Swedish scheme
Klarna Bank AB (publ) · Insättningsgarantin (Riksgälden) · €104,000 per person per bank
Licence and verification
- Institution
- Klarna Bank AB (publ)
- Status
- Verified European deposit guarantee scheme
- Scheme
- Insättningsgarantin (Riksgälden) (Sweden)
- Guarantee
- 1150000.00 SEK per person per institution (≈ €104,000)
- Verification
- Raisin wettelijke DGS-disclosuresource ↗ · 18 Sep 2026
details
Riksgälden
Taxes
- Country
- Sweden
- Withholding tax
- No withholding tax
- Standard rate
- 0.00%
- For a Dutch saver
- 0.00%
- Notes
- Zweden heft geen bronbelasting op spaarrente van niet-ingezetenen.
Rates are gross. The Dutch box 3 wealth tax is separate and not included.
Rate history
| From | Rate | Until |
|---|---|---|
| 18 Sep 2026 | 3.00% | current |
| 2 Sep 2026 |