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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 · 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 €16,600
€501
per year, annualised · €752 total over 18 months
Deposit guarantee
€16,600 fully protected
Swedish scheme

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

Your calculation for €16,600

Gross interest over 18 months: €752.
Interest built up over 18 months
€ 0€ 500start1 yr€752After 1 month: €41.78 rate · balance €16,641.78After 2 months: €83.55 rate · balance €16,683.55After 3 months: €125.33 rate · balance €16,725.33After 4 months: €167.11 rate · balance €16,767.11After 5 months: €208.88 rate · balance €16,808.88After 6 months: €250.66 rate · balance €16,850.66After 7 months: €292.44 rate · balance €16,892.44After 8 months: €334.21 rate · balance €16,934.21After 9 months: €375.99 rate · balance €16,975.99After 10 months: €417.77 rate · balance €17,017.77After 11 months: €459.54 rate · balance €17,059.54

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

€16,600 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 12 months: €501.32 rate · balance €17,101.32After 13 months: €543.10 rate · balance €17,143.10After 14 months: €584.87 rate · balance €17,184.87After 15 months: €626.65 rate · balance €17,226.65After 16 months: €668.43 rate · balance €17,268.43After 17 months: €710.20 rate · balance €17,310.20After 18 months: €751.98 rate · balance €17,351.98
€ 0€ 500start1 yr€752After 1 month: €41.78 rate · balance €16,641.78After 2 months: €83.55 rate · balance €16,683.55After 3 months: €125.33 rate · balance €16,725.33After 4 months: €167.11 rate · balance €16,767.11After 5 months: €208.88 rate · balance €16,808.88After 6 months: €250.66 rate · balance €16,850.66After 7 months: €292.44 rate · balance €16,892.44After 8 months: €334.21 rate · balance €16,934.21After 9 months: €375.99 rate · balance €16,975.99After 10 months: €417.77 rate · balance €17,017.77After 11 months: €459.54 rate · balance €17,059.54After 12 months: €501.32 rate · balance €17,101.32After 13 months: €543.10 rate · balance €17,143.10After 14 months: €584.87 rate · balance €17,184.87After 15 months: €626.65 rate · balance €17,226.65After 16 months: €668.43 rate · balance €17,268.43After 17 months: €710.20 rate · balance €17,310.20After 18 months: €751.98 rate · balance €17,351.98

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