Klarna BankFlex rekening
Instant access · Klarna Bank AB (publ) · Sweden · Directly at the bank
- Rate
- 2.20%
- variable
- since 30 Sep 2026
- EffectiveThe effective annual rate for €16,800: what you really earn per year, after fees and including compound interest, so that terms and payout frequencies are comparable. Interest is compounded during the term and earns interest on interest.
- 2.22%
- for €16,800
- Your return on €16,800
- €373
- interest per year
- Deposit guarantee
- €16,800 fully protectedSwedish scheme
Klarna Bank AB (publ) · Insättningsgarantin (Riksgälden) · €104,000 per person per bank
Your calculation for €16,800
Gross interest over 1 year: €373.
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
- 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
€16,800 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 ↗ · 2 Nov 2026
details
Riksgälden
Taxes
- Country
- Sweden
- Withholding tax
- No withholding tax
- Standard rate
- 0.00%
- For a Dutch saver
- 0.00%
- Notes
- Sweden withholds no tax on savings interest of non-residents: you receive the full interest.
Rates are gross. The Dutch box 3 wealth tax is separate and not included.
Read on: Is saving at a foreign bank safe? How the deposit guarantee works in Europe · Saving more than €100,000: how to spread your money across banks
Rate history
| From | Rate | Until |
|---|---|---|
| 30 Sep 2026 | 2.20% | current |
| 18 Sep 2026 | 3.00% | 30 Sep 2026 |
| 2 Sep 2026 | 3.00% | 18 Sep 2026 |
All historic rates of Klarna Bank →All savings products of Klarna Bank →
- 30 Sep 2026Klarna – Flex rekening: promotional rate 3.00% ended; the rate is now 2.20%
- 18 Sep 2026Klarna – Flex rekening: rate structure/conditions changed
- 2 Sep 2026New: Klarna – Flex rekening 3.00%
Rate checked on 2 Nov 2026.