Spaarradar
CompareDepositsGuided choice
News
NL
Spaarradar

Independent: the order follows only from the rate, your amount and the deposit guarantee, never from fees paid by banks.

Last check just now·570 offers from 88 institutions

Compare
  • Highest savings rate
  • Deposits by term
  • Notice accounts
  • No withholding tax
  • Saving via Raisin
  • Directly at the bank
  • Banks & deposit guarantee
Tools
  • Guided choice
  • Interest calculator
  • Switch check
  • Deposit ladder
  • My list
  • Widget for your site
Market data
  • Rate changes
  • Rate history
  • ECB rate
  • Savings rate index
  • News
  • API
About this site
  • Glossary
  • Methodology
  • About & contact
  • Press
  • Privacy
  • Disclaimer

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
Back to the comparison

Klarna BankVaste rekening

Deposit · 18 months · Klarna Bank AB (publ) · Sweden · Directly at the bank
Open an account at Klarna Bank
Rate
3.02%
18 months fixed
Your return on €10,000
€302
per year, annualised · €453 total over 18 months
Deposit guarantee
€10,000 fully protected
Swedish scheme

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

Your calculation for €10,000

Gross interest over 18 months: €453.
Interest built up over 18 months
€ 0€ 200€ 400start1 yr€453After 1 month: €25.17 rate · balance €10,025.17After 2 months: €50.33 rate · balance €10,050.33After 3 months: €75.50 rate · balance €10,075.50After 4 months: €100.67 rate · balance €10,100.67After 5 months: €125.83 rate · balance €10,125.83After 6 months: €151.00 rate · balance €10,151.00After 7 months: €176.17 rate · balance €10,176.17After 8 months: €201.33 rate · balance €10,201.33After 9 months: €226.50 rate · balance €10,226.50After 10 months: €251.67 rate · balance €10,251.67

Rate and conditions

BalanceRate
€0 – and up3.02%
Interest payout
yearly, paid out
Fees
none
Access
18 months fixed · early withdrawal unknown
Term
18 months
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

€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-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

3.02% 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 (18 mo) 3.02%

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% · Direct1 year · 3.00% · Direct2 years · 3.05% · Direct3 years · 3.08% · Direct4 years · 3.10% · Direct
After 11 months: €276.83 rate · balance €10,276.83After 12 months: €302.00 rate · balance €10,302.00After 13 months: €327.17 rate · balance €10,327.17After 14 months: €352.33 rate · balance €10,352.33After 15 months: €377.50 rate · balance €10,377.50After 16 months: €402.67 rate · balance €10,402.67After 17 months: €427.83 rate · balance €10,427.83After 18 months: €453.00 rate · balance €10,453.00
€ 0€ 200€ 400start1 yr€453After 1 month: €25.17 rate · balance €10,025.17After 2 months: €50.33 rate · balance €10,050.33After 3 months: €75.50 rate · balance €10,075.50After 4 months: €100.67 rate · balance €10,100.67After 5 months: €125.83 rate · balance €10,125.83After 6 months: €151.00 rate · balance €10,151.00After 7 months: €176.17 rate · balance €10,176.17After 8 months: €201.33 rate · balance €10,201.33After 9 months: €226.50 rate · balance €10,226.50After 10 months: €251.67 rate · balance €10,251.67After 11 months: €276.83 rate · balance €10,276.83After 12 months: €302.00 rate · balance €10,302.00After 13 months: €327.17 rate · balance €10,327.17After 14 months: €352.33 rate · balance €10,352.33After 15 months: €377.50 rate · balance €10,377.50After 16 months: €402.67 rate · balance €10,402.67After 17 months: €427.83 rate · balance €10,427.83After 18 months: €453.00 rate · balance €10,453.00

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