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Not advice. Rates are gross, per year and as published by the provider. Variable rates can change. Outbound links may earn a commission; that never affects the order or the calculation.

Open an account at Klarna Bank
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Klarna BankVaste rekening

Deposit · 1 year · Klarna Bank AB (publ) · Sweden · Directly at the bank
Open an account at Klarna Bank
Rate
3.00%
1 year fixed
Your return on €25,000
€750
interest per year
Deposit guarantee
€25,000 fully protected
Swedish scheme

Klarna Bank AB (publ) · Insättningsgarantin (Riksgälden) · €104,000 per person per bank

Your calculation for €25,000

Gross interest over 1 year: €750.
Interest built up over 1 year
€ 0€ 250€ 500€ 750start6 mo1 yr€750After 1 month: €62.50 rate · balance €25,062.50After 2 months: €125 rate · balance €25,125After 3 months: €187.50 rate · balance €25,187.50After 4 months: €250 rate · balance €25,250After 5 months: €312.50 rate · balance €25,312.50After 6 months: €375 rate · balance €25,375After 7 months: €437.50 rate · balance €25,437.50After 8 months: €500 rate · balance €25,500After 9 months: €562.50 rate · balance €25,562.50

Rate and conditions

BalanceRate
€0 – and up3.00%
Interest payout
end of term, paid out
Fees
none
Access
1 year fixed · early withdrawal unknown
Term
1 year
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 wordt bij een looptijd tot 12 maanden aan het einde uitbetaald, bij langere looptijden jaarlijks en aan het einde
  • Geen beheerkosten, geen minimale storting

Deposit guarantee

€25,000 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-disclosure
detailsRiksgälden
source ↗ · 18 Sep 2026
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

3.00% since 2 Sep 2026. We have not seen a change since; once the rate changes, the chart appears here.

All historic rates of Klarna Bank →All savings products of Klarna Bank →

  • 2 Sep 2026New: Klarna – Vaste rekening (12 mo) 3.00%

Rate checked on 18 Sep 2026.

Other offers from Klarna Bank

Instant access · 3.00% · Direct3 months · 1.84% · Direct6 months · 2.89% · Direct9 months · 2.46% · Direct18 months · 3.02% · Direct2 years · 3.05% · Direct3 years · 3.08% · Direct4 years · 3.10% · Direct
After 10 months: €625 rate · balance €25,625After 11 months: €687.50 rate · balance €25,687.50After 12 months: €750 rate · balance €25,750
€ 0€ 250€ 500€ 750start3 mo6 mo9 mo1 yr€750After 1 month: €62.50 rate · balance €25,062.50After 2 months: €125 rate · balance €25,125After 3 months: €187.50 rate · balance €25,187.50After 4 months: €250 rate · balance €25,250After 5 months: €312.50 rate · balance €25,312.50After 6 months: €375 rate · balance €25,375After 7 months: €437.50 rate · balance €25,437.50After 8 months: €500 rate · balance €25,500After 9 months: €562.50 rate · balance €25,562.50After 10 months: €625 rate · balance €25,625After 11 months: €687.50 rate · balance €25,687.50After 12 months: €750 rate · balance €25,750

Read on: Is saving at a foreign bank safe? How the deposit guarantee works in Europe