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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 · 3 years · Klarna Bank AB (publ) · Sweden · Directly at the bank
Open an account at Klarna Bank
Rate
3.08%
3 years fixed
Your return on €10,000
€308
per year, annualised · €924 total over 3 years
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 3 years: €924.
Interest built up over 3 years
€ 0€ 500start1 yr2 yrs3 yrs€924After 1 month: €25.67 rate · balance €10,025.67After 2 months: €51.33 rate · balance €10,051.33After 3 months: €77.00 rate · balance €10,077.00After 4 months: €102.67 rate · balance €10,102.67After 5 months: €128.33 rate · balance €10,128.33After 6 months: €154.00 rate · balance €10,154.00

Rate and conditions

BalanceRate
€0 – and up3.08%
Interest payout
yearly, paid out
Fees
none
Access
3 years fixed · early withdrawal unknown
Term
3 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

€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

3.08% 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 (36 mo) 3.08%

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% · Direct2 years · 3.05% · Direct4 years · 3.10% · Direct
After 7 months: €179.67 rate · balance €10,179.67After 8 months: €205.33 rate · balance €10,205.33After 9 months: €231.00 rate · balance €10,231.00After 10 months: €256.67 rate · balance €10,256.67After 11 months: €282.33 rate · balance €10,282.33After 12 months: €308.00 rate · balance €10,308.00After 13 months: €333.67 rate · balance €10,333.67After 14 months: €359.33 rate · balance €10,359.33After 15 months: €385.00 rate · balance €10,385.00After 16 months: €410.67 rate · balance €10,410.67After 17 months: €436.33 rate · balance €10,436.33After 18 months: €462.00 rate · balance €10,462.00After 19 months: €487.67 rate · balance €10,487.67After 20 months: €513.33 rate · balance €10,513.33After 21 months: €539.00 rate · balance €10,539.00After 22 months: €564.67 rate · balance €10,564.67After 23 months: €590.33 rate · balance €10,590.33After 24 months: €616.00 rate · balance €10,616.00After 25 months: €641.67 rate · balance €10,641.67After 26 months: €667.33 rate · balance €10,667.33After 27 months: €693.00 rate · balance €10,693.00After 28 months: €718.67 rate · balance €10,718.67After 29 months: €744.33 rate · balance €10,744.33After 30 months: €770.00 rate · balance €10,770.00After 31 months: €795.67 rate · balance €10,795.67After 32 months: €821.33 rate · balance €10,821.33After 33 months: €847.00 rate · balance €10,847.00After 34 months: €872.67 rate · balance €10,872.67After 35 months: €898.33 rate · balance €10,898.33After 36 months: €924.00 rate · balance €10,924.00
€ 0€ 500start1 yr2 yrs3 yrs€924After 1 month: €25.67 rate · balance €10,025.67After 2 months: €51.33 rate · balance €10,051.33After 3 months: €77.00 rate · balance €10,077.00After 4 months: €102.67 rate · balance €10,102.67After 5 months: €128.33 rate · balance €10,128.33After 6 months: €154.00 rate · balance €10,154.00After 7 months: €179.67 rate · balance €10,179.67After 8 months: €205.33 rate · balance €10,205.33After 9 months: €231.00 rate · balance €10,231.00After 10 months: €256.67 rate · balance €10,256.67After 11 months: €282.33 rate · balance €10,282.33After 12 months: €308.00 rate · balance €10,308.00After 13 months: €333.67 rate · balance €10,333.67After 14 months: €359.33 rate · balance €10,359.33After 15 months: €385.00 rate · balance €10,385.00After 16 months: €410.67 rate · balance €10,410.67After 17 months: €436.33 rate · balance €10,436.33After 18 months: €462.00 rate · balance €10,462.00After 19 months: €487.67 rate · balance €10,487.67After 20 months: €513.33 rate · balance €10,513.33After 21 months: €539.00 rate · balance €10,539.00After 22 months: €564.67 rate · balance €10,564.67After 23 months: €590.33 rate · balance €10,590.33After 24 months: €616.00 rate · balance €10,616.00After 25 months: €641.67 rate · balance €10,641.67After 26 months: €667.33 rate · balance €10,667.33After 27 months: €693.00 rate · balance €10,693.00After 28 months: €718.67 rate · balance €10,718.67After 29 months: €744.33 rate · balance €10,744.33After 30 months: €770.00 rate · balance €10,770.00After 31 months: €795.67 rate · balance €10,795.67After 32 months: €821.33 rate · balance €10,821.33After 33 months: €847.00 rate · balance €10,847.00After 34 months: €872.67 rate · balance €10,872.67After 35 months: €898.33 rate · balance €10,898.33After 36 months: €924.00 rate · balance €10,924.00
Per year
AfterInterest up to thenBalance
1 year€308€10,308
2 years€616€10,616
3 years€924€10,924

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