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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 €16,600
€511
per year, annualised · €1,534 total over 3 years
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 3 years: €1,534.
Interest built up over 3 years
€ 0€ 1kstart1 yr2 yrs3 yrs€1,534After 1 month: €42.61 rate · balance €16,642.61After 2 months: €85.21 rate · balance €16,685.21After 3 months: €127.82 rate · balance €16,727.82After 4 months: €170.43 rate · balance €16,770.43After 5 months: €213.03 rate · balance €16,813.03After 6 months: €255.64 rate · balance €16,855.64

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

€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

3.08% 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: €298.25 rate · balance €16,898.25After 8 months: €340.85 rate · balance €16,940.85After 9 months: €383.46 rate · balance €16,983.46After 10 months: €426.07 rate · balance €17,026.07After 11 months: €468.67 rate · balance €17,068.67After 12 months: €511.28 rate · balance €17,111.28After 13 months: €553.89 rate · balance €17,153.89After 14 months: €596.49 rate · balance €17,196.49After 15 months: €639.10 rate · balance €17,239.10After 16 months: €681.71 rate · balance €17,281.71After 17 months: €724.31 rate · balance €17,324.31After 18 months: €766.92 rate · balance €17,366.92After 19 months: €809.53 rate · balance €17,409.53After 20 months: €852.13 rate · balance €17,452.13After 21 months: €894.74 rate · balance €17,494.74After 22 months: €937.35 rate · balance €17,537.35After 23 months: €979.95 rate · balance €17,579.95After 24 months: €1,022.56 rate · balance €17,622.56After 25 months: €1,065.17 rate · balance €17,665.17After 26 months: €1,107.77 rate · balance €17,707.77After 27 months: €1,150.38 rate · balance €17,750.38After 28 months: €1,192.99 rate · balance €17,792.99After 29 months: €1,235.59 rate · balance €17,835.59After 30 months: €1,278.20 rate · balance €17,878.20After 31 months: €1,320.81 rate · balance €17,920.81After 32 months: €1,363.41 rate · balance €17,963.41After 33 months: €1,406.02 rate · balance €18,006.02After 34 months: €1,448.63 rate · balance €18,048.63After 35 months: €1,491.23 rate · balance €18,091.23After 36 months: €1,533.84 rate · balance €18,133.84
€ 0€ 1kstart1 yr2 yrs3 yrs€1,534After 1 month: €42.61 rate · balance €16,642.61After 2 months: €85.21 rate · balance €16,685.21After 3 months: €127.82 rate · balance €16,727.82After 4 months: €170.43 rate · balance €16,770.43After 5 months: €213.03 rate · balance €16,813.03After 6 months: €255.64 rate · balance €16,855.64After 7 months: €298.25 rate · balance €16,898.25After 8 months: €340.85 rate · balance €16,940.85After 9 months: €383.46 rate · balance €16,983.46After 10 months: €426.07 rate · balance €17,026.07After 11 months: €468.67 rate · balance €17,068.67After 12 months: €511.28 rate · balance €17,111.28After 13 months: €553.89 rate · balance €17,153.89After 14 months: €596.49 rate · balance €17,196.49After 15 months: €639.10 rate · balance €17,239.10After 16 months: €681.71 rate · balance €17,281.71After 17 months: €724.31 rate · balance €17,324.31After 18 months: €766.92 rate · balance €17,366.92After 19 months: €809.53 rate · balance €17,409.53After 20 months: €852.13 rate · balance €17,452.13After 21 months: €894.74 rate · balance €17,494.74After 22 months: €937.35 rate · balance €17,537.35After 23 months: €979.95 rate · balance €17,579.95After 24 months: €1,022.56 rate · balance €17,622.56After 25 months: €1,065.17 rate · balance €17,665.17After 26 months: €1,107.77 rate · balance €17,707.77After 27 months: €1,150.38 rate · balance €17,750.38After 28 months: €1,192.99 rate · balance €17,792.99After 29 months: €1,235.59 rate · balance €17,835.59After 30 months: €1,278.20 rate · balance €17,878.20After 31 months: €1,320.81 rate · balance €17,920.81After 32 months: €1,363.41 rate · balance €17,963.41After 33 months: €1,406.02 rate · balance €18,006.02After 34 months: €1,448.63 rate · balance €18,048.63After 35 months: €1,491.23 rate · balance €18,091.23After 36 months: €1,533.84 rate · balance €18,133.84
Per year
AfterInterest up to thenBalance
1 year€511€17,111
2 years€1,023€17,623
3 years€1,534€18,134

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