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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 €16,800
€517
per year, annualised · €1,552 total over 3 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 3 years: €1,552.
Interest built up over 3 years
€ 0€ 1kstart1 yr2 yrs3 yrs€1,552After 1 month: €43.12 rate · balance €16,843.12After 2 months: €86.24 rate · balance €16,886.24After 3 months: €129.36 rate · balance €16,929.36After 4 months: €172.48 rate · balance €16,972.48After 5 months: €215.60 rate · balance €17,015.60After 6 months: €258.72 rate · balance €17,058.72

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

€16,800 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

3.08% 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: €301.84 rate · balance €17,101.84After 8 months: €344.96 rate · balance €17,144.96After 9 months: €388.08 rate · balance €17,188.08After 10 months: €431.20 rate · balance €17,231.20After 11 months: €474.32 rate · balance €17,274.32After 12 months: €517.44 rate · balance €17,317.44After 13 months: €560.56 rate · balance €17,360.56After 14 months: €603.68 rate · balance €17,403.68After 15 months: €646.80 rate · balance €17,446.80After 16 months: €689.92 rate · balance €17,489.92After 17 months: €733.04 rate · balance €17,533.04After 18 months: €776.16 rate · balance €17,576.16After 19 months: €819.28 rate · balance €17,619.28After 20 months: €862.40 rate · balance €17,662.40After 21 months: €905.52 rate · balance €17,705.52After 22 months: €948.64 rate · balance €17,748.64After 23 months: €991.76 rate · balance €17,791.76After 24 months: €1,034.88 rate · balance €17,834.88After 25 months: €1,078.00 rate · balance €17,878After 26 months: €1,121.12 rate · balance €17,921.12After 27 months: €1,164.24 rate · balance €17,964.24After 28 months: €1,207.36 rate · balance €18,007.36After 29 months: €1,250.48 rate · balance €18,050.48After 30 months: €1,293.60 rate · balance €18,093.60After 31 months: €1,336.72 rate · balance €18,136.72After 32 months: €1,379.84 rate · balance €18,179.84After 33 months: €1,422.96 rate · balance €18,222.96After 34 months: €1,466.08 rate · balance €18,266.08After 35 months: €1,509.20 rate · balance €18,309.20After 36 months: €1,552.32 rate · balance €18,352.32
€ 0€ 1kstart1 yr2 yrs3 yrs€1,552After 1 month: €43.12 rate · balance €16,843.12After 2 months: €86.24 rate · balance €16,886.24After 3 months: €129.36 rate · balance €16,929.36After 4 months: €172.48 rate · balance €16,972.48After 5 months: €215.60 rate · balance €17,015.60After 6 months: €258.72 rate · balance €17,058.72After 7 months: €301.84 rate · balance €17,101.84After 8 months: €344.96 rate · balance €17,144.96After 9 months: €388.08 rate · balance €17,188.08After 10 months: €431.20 rate · balance €17,231.20After 11 months: €474.32 rate · balance €17,274.32After 12 months: €517.44 rate · balance €17,317.44After 13 months: €560.56 rate · balance €17,360.56After 14 months: €603.68 rate · balance €17,403.68After 15 months: €646.80 rate · balance €17,446.80After 16 months: €689.92 rate · balance €17,489.92After 17 months: €733.04 rate · balance €17,533.04After 18 months: €776.16 rate · balance €17,576.16After 19 months: €819.28 rate · balance €17,619.28After 20 months: €862.40 rate · balance €17,662.40After 21 months: €905.52 rate · balance €17,705.52After 22 months: €948.64 rate · balance €17,748.64After 23 months: €991.76 rate · balance €17,791.76After 24 months: €1,034.88 rate · balance €17,834.88After 25 months: €1,078.00 rate · balance €17,878After 26 months: €1,121.12 rate · balance €17,921.12After 27 months: €1,164.24 rate · balance €17,964.24After 28 months: €1,207.36 rate · balance €18,007.36After 29 months: €1,250.48 rate · balance €18,050.48After 30 months: €1,293.60 rate · balance €18,093.60After 31 months: €1,336.72 rate · balance €18,136.72After 32 months: €1,379.84 rate · balance €18,179.84After 33 months: €1,422.96 rate · balance €18,222.96After 34 months: €1,466.08 rate · balance €18,266.08After 35 months: €1,509.20 rate · balance €18,309.20After 36 months: €1,552.32 rate · balance €18,352.32
Per year
AfterInterest up to thenBalance
1 year€517€17,317
2 years€1,035€17,835
3 years€1,552€18,352

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