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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 · 2 years · Klarna Bank AB (publ) · Sweden · Directly at the bank
Open an account at Klarna Bank
Rate
3.05%
2 years fixed
Your return on €16,800
€512
per year, annualised · €1,025 total over 2 years
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 2 years: €1,025.
Interest built up over 2 years
€ 0€ 500€ 1kstart1 yr2 yrs€1,025After 1 month: €42.70 rate · balance €16,842.70After 2 months: €85.40 rate · balance €16,885.40After 3 months: €128.10 rate · balance €16,928.10After 4 months: €170.80 rate · balance €16,970.80After 5 months: €213.50 rate · balance €17,013.50After 6 months: €256.20 rate · balance €17,056.20After 7 months: €298.90 rate · balance €17,098.90After 8 months: €341.60 rate · balance €17,141.60

Rate and conditions

BalanceRate
€0 – and up3.05%
Interest payout
yearly, paid out
Fees
none
Access
2 years fixed · early withdrawal unknown
Term
2 years
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

3.05% 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 (24 mo) 3.05%

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% · Direct18 months · 3.02% · Direct3 years · 3.08% · Direct4 years · 3.10% · Direct
After 9 months: €384.30 rate · balance €17,184.30After 10 months: €427.00 rate · balance €17,227After 11 months: €469.70 rate · balance €17,269.70After 12 months: €512.40 rate · balance €17,312.40After 13 months: €555.10 rate · balance €17,355.10After 14 months: €597.80 rate · balance €17,397.80After 15 months: €640.50 rate · balance €17,440.50After 16 months: €683.20 rate · balance €17,483.20After 17 months: €725.90 rate · balance €17,525.90After 18 months: €768.60 rate · balance €17,568.60After 19 months: €811.30 rate · balance €17,611.30After 20 months: €854.00 rate · balance €17,654After 21 months: €896.70 rate · balance €17,696.70After 22 months: €939.40 rate · balance €17,739.40After 23 months: €982.10 rate · balance €17,782.10After 24 months: €1,024.80 rate · balance €17,824.80
€ 0€ 500€ 1kstart1 yr2 yrs€1,025After 1 month: €42.70 rate · balance €16,842.70After 2 months: €85.40 rate · balance €16,885.40After 3 months: €128.10 rate · balance €16,928.10After 4 months: €170.80 rate · balance €16,970.80After 5 months: €213.50 rate · balance €17,013.50After 6 months: €256.20 rate · balance €17,056.20After 7 months: €298.90 rate · balance €17,098.90After 8 months: €341.60 rate · balance €17,141.60After 9 months: €384.30 rate · balance €17,184.30After 10 months: €427.00 rate · balance €17,227After 11 months: €469.70 rate · balance €17,269.70After 12 months: €512.40 rate · balance €17,312.40After 13 months: €555.10 rate · balance €17,355.10After 14 months: €597.80 rate · balance €17,397.80After 15 months: €640.50 rate · balance €17,440.50After 16 months: €683.20 rate · balance €17,483.20After 17 months: €725.90 rate · balance €17,525.90After 18 months: €768.60 rate · balance €17,568.60After 19 months: €811.30 rate · balance €17,611.30After 20 months: €854.00 rate · balance €17,654After 21 months: €896.70 rate · balance €17,696.70After 22 months: €939.40 rate · balance €17,739.40After 23 months: €982.10 rate · balance €17,782.10After 24 months: €1,024.80 rate · balance €17,824.80
Per year
AfterInterest up to thenBalance
1 year€512€17,312
2 years€1,025€17,825

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