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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 €25,000
€763
per year, annualised · €1,525 total over 2 years
Deposit guarantee
€25,000 fully protected
Swedish scheme

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

Your calculation for €25,000

Gross interest over 2 years: €1,525.
Interest built up over 2 years
€ 0€ 1kstart1 yr2 yrs€1,525After 1 month: €63.54 rate · balance €25,063.54After 2 months: €127.08 rate · balance €25,127.08After 3 months: €190.63 rate · balance €25,190.63After 4 months: €254.17 rate · balance €25,254.17After 5 months: €317.71 rate · balance €25,317.71After 6 months: €381.25 rate · balance €25,381.25After 7 months: €444.79 rate · balance €25,444.79After 8 months: €508.33 rate · balance €25,508.33After 9 months: €571.88 rate · balance €25,571.88

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

€25,000 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

3.05% 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 10 months: €635.42 rate · balance €25,635.42After 11 months: €698.96 rate · balance €25,698.96After 12 months: €762.50 rate · balance €25,762.50After 13 months: €826.04 rate · balance €25,826.04After 14 months: €889.58 rate · balance €25,889.58After 15 months: €953.13 rate · balance €25,953.13After 16 months: €1,016.67 rate · balance €26,016.67After 17 months: €1,080.21 rate · balance €26,080.21After 18 months: €1,143.75 rate · balance €26,143.75After 19 months: €1,207.29 rate · balance €26,207.29After 20 months: €1,270.83 rate · balance €26,270.83After 21 months: €1,334.38 rate · balance €26,334.38After 22 months: €1,397.92 rate · balance €26,397.92After 23 months: €1,461.46 rate · balance €26,461.46After 24 months: €1,525.00 rate · balance €26,525.00
€ 0€ 1kstart1 yr2 yrs€1,525After 1 month: €63.54 rate · balance €25,063.54After 2 months: €127.08 rate · balance €25,127.08After 3 months: €190.63 rate · balance €25,190.63After 4 months: €254.17 rate · balance €25,254.17After 5 months: €317.71 rate · balance €25,317.71After 6 months: €381.25 rate · balance €25,381.25After 7 months: €444.79 rate · balance €25,444.79After 8 months: €508.33 rate · balance €25,508.33After 9 months: €571.88 rate · balance €25,571.88After 10 months: €635.42 rate · balance €25,635.42After 11 months: €698.96 rate · balance €25,698.96After 12 months: €762.50 rate · balance €25,762.50After 13 months: €826.04 rate · balance €25,826.04After 14 months: €889.58 rate · balance €25,889.58After 15 months: €953.13 rate · balance €25,953.13After 16 months: €1,016.67 rate · balance €26,016.67After 17 months: €1,080.21 rate · balance €26,080.21After 18 months: €1,143.75 rate · balance €26,143.75After 19 months: €1,207.29 rate · balance €26,207.29After 20 months: €1,270.83 rate · balance €26,270.83After 21 months: €1,334.38 rate · balance €26,334.38After 22 months: €1,397.92 rate · balance €26,397.92After 23 months: €1,461.46 rate · balance €26,461.46After 24 months: €1,525.00 rate · balance €26,525.00
Per year
AfterInterest up to thenBalance
1 year€763€25,763
2 years€1,525€26,525

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