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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 €16,800
€507
per year, annualised · €761 total over 18 months
Deposit guarantee
€16,800 fully protected
Swedish scheme

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

Your calculation for €16,800

Gross interest over 18 months: €761.
Interest built up over 18 months
€ 0€ 500start1 yr€761After 1 month: €42.28 rate · balance €16,842.28After 2 months: €84.56 rate · balance €16,884.56After 3 months: €126.84 rate · balance €16,926.84After 4 months: €169.12 rate · balance €16,969.12After 5 months: €211.40 rate · balance €17,011.40After 6 months: €253.68 rate · balance €17,053.68After 7 months: €295.96 rate · balance €17,095.96After 8 months: €338.24 rate · balance €17,138.24After 9 months: €380.52 rate · balance €17,180.52After 10 months: €422.80 rate · balance €17,222.80After 11 months: €465.08 rate · balance €17,265.08

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

€16,800 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-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: €507.36 rate · balance €17,307.36After 13 months: €549.64 rate · balance €17,349.64After 14 months: €591.92 rate · balance €17,391.92After 15 months: €634.20 rate · balance €17,434.20After 16 months: €676.48 rate · balance €17,476.48After 17 months: €718.76 rate · balance €17,518.76After 18 months: €761.04 rate · balance €17,561.04
€ 0€ 500start1 yr€761After 1 month: €42.28 rate · balance €16,842.28After 2 months: €84.56 rate · balance €16,884.56After 3 months: €126.84 rate · balance €16,926.84After 4 months: €169.12 rate · balance €16,969.12After 5 months: €211.40 rate · balance €17,011.40After 6 months: €253.68 rate · balance €17,053.68After 7 months: €295.96 rate · balance €17,095.96After 8 months: €338.24 rate · balance €17,138.24After 9 months: €380.52 rate · balance €17,180.52After 10 months: €422.80 rate · balance €17,222.80After 11 months: €465.08 rate · balance €17,265.08After 12 months: €507.36 rate · balance €17,307.36After 13 months: €549.64 rate · balance €17,349.64After 14 months: €591.92 rate · balance €17,391.92After 15 months: €634.20 rate · balance €17,434.20After 16 months: €676.48 rate · balance €17,476.48After 17 months: €718.76 rate · balance €17,518.76After 18 months: €761.04 rate · balance €17,561.04

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