Klarna BankVaste rekening

Deposit · 1 year · Klarna Bank AB (publ) · Sweden · Directly at the bank
Rate
2.95%
1 year fixed
since 9 Oct 2026
Your return on €50,000
€1,475
interest per year
Deposit guarantee
€50,000 fully protected
Swedish scheme

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

Your calculation for €50,000

Gross interest over 1 year: €1,475.
Interest built up over 1 year
€ 0€ 500€ 1kstart6 mo1 yr€1,475After 1 month: €122.92 rate · balance €50,122.92After 2 months: €245.83 rate · balance €50,245.83After 3 months: €368.75 rate · balance €50,368.75After 4 months: €491.67 rate · balance €50,491.67After 5 months: €614.58 rate · balance €50,614.58After 6 months: €737.50 rate · balance €50,737.50After 7 months: €860.42 rate · balance €50,860.42After 8 months: €983.33 rate · balance €50,983.33After 9 months: €1,106.25 rate · balance €51,106.25After 10 months: €1,229.17 rate · balance €51,229.17After 11 months: €1,352.08 rate · balance €51,352.08After 12 months: €1,475.00 rate · balance €51,475.00

Rate and conditions

BalanceRate
€0 – and up2.95%
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

€50,000 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 ↗ · 2 Nov 2026
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

2.50%2.75%3.00%3.25%2 Sep 20263 Oct 2026now2.95%3.00% from 2 Sep 2026 until 9 Oct 20262.95% from 9 Oct 2026 until now
FromRateUntil
9 Oct 20262.95%current
2 Sep 20263.00%9 Oct 2026

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

  • 9 Oct 2026Klarna – Vaste rekening (12 mo): 3.00% → 2.95%
  • 2 Sep 2026New: Klarna – Vaste rekening (12 mo) 3.00%

Rate checked on 2 Nov 2026.

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