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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 €25,000
€770
per year, annualised · €2,310 total over 3 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 3 years: €2,310.
Interest built up over 3 years
€ 0€ 1k€ 2kstart1 yr2 yrs3 yrs€2,310After 1 month: €64.17 rate · balance €25,064.17After 2 months: €128.33 rate · balance €25,128.33After 3 months: €192.50 rate · balance €25,192.50After 4 months: €256.67 rate · balance €25,256.67

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

€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

3.08% 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 5 months: €320.83 rate · balance €25,320.83After 6 months: €385.00 rate · balance €25,385.00After 7 months: €449.17 rate · balance €25,449.17After 8 months: €513.33 rate · balance €25,513.33After 9 months: €577.50 rate · balance €25,577.50After 10 months: €641.67 rate · balance €25,641.67After 11 months: €705.83 rate · balance €25,705.83After 12 months: €770.00 rate · balance €25,770.00After 13 months: €834.17 rate · balance €25,834.17After 14 months: €898.33 rate · balance €25,898.33After 15 months: €962.50 rate · balance €25,962.50After 16 months: €1,026.67 rate · balance €26,026.67After 17 months: €1,090.83 rate · balance €26,090.83After 18 months: €1,155.00 rate · balance €26,155.00After 19 months: €1,219.17 rate · balance €26,219.17After 20 months: €1,283.33 rate · balance €26,283.33After 21 months: €1,347.50 rate · balance €26,347.50After 22 months: €1,411.67 rate · balance €26,411.67After 23 months: €1,475.83 rate · balance €26,475.83After 24 months: €1,540.00 rate · balance €26,540.00After 25 months: €1,604.17 rate · balance €26,604.17After 26 months: €1,668.33 rate · balance €26,668.33After 27 months: €1,732.50 rate · balance €26,732.50After 28 months: €1,796.67 rate · balance €26,796.67After 29 months: €1,860.83 rate · balance €26,860.83After 30 months: €1,925.00 rate · balance €26,925.00After 31 months: €1,989.17 rate · balance €26,989.17After 32 months: €2,053.33 rate · balance €27,053.33After 33 months: €2,117.50 rate · balance €27,117.50After 34 months: €2,181.67 rate · balance €27,181.67After 35 months: €2,245.83 rate · balance €27,245.83After 36 months: €2,310.00 rate · balance €27,310.00
€ 0€ 1k€ 2kstart1 yr2 yrs3 yrs€2,310After 1 month: €64.17 rate · balance €25,064.17After 2 months: €128.33 rate · balance €25,128.33After 3 months: €192.50 rate · balance €25,192.50After 4 months: €256.67 rate · balance €25,256.67After 5 months: €320.83 rate · balance €25,320.83After 6 months: €385.00 rate · balance €25,385.00After 7 months: €449.17 rate · balance €25,449.17After 8 months: €513.33 rate · balance €25,513.33After 9 months: €577.50 rate · balance €25,577.50After 10 months: €641.67 rate · balance €25,641.67After 11 months: €705.83 rate · balance €25,705.83After 12 months: €770.00 rate · balance €25,770.00After 13 months: €834.17 rate · balance €25,834.17After 14 months: €898.33 rate · balance €25,898.33After 15 months: €962.50 rate · balance €25,962.50After 16 months: €1,026.67 rate · balance €26,026.67After 17 months: €1,090.83 rate · balance €26,090.83After 18 months: €1,155.00 rate · balance €26,155.00After 19 months: €1,219.17 rate · balance €26,219.17After 20 months: €1,283.33 rate · balance €26,283.33After 21 months: €1,347.50 rate · balance €26,347.50After 22 months: €1,411.67 rate · balance €26,411.67After 23 months: €1,475.83 rate · balance €26,475.83After 24 months: €1,540.00 rate · balance €26,540.00After 25 months: €1,604.17 rate · balance €26,604.17After 26 months: €1,668.33 rate · balance €26,668.33After 27 months: €1,732.50 rate · balance €26,732.50After 28 months: €1,796.67 rate · balance €26,796.67After 29 months: €1,860.83 rate · balance €26,860.83After 30 months: €1,925.00 rate · balance €26,925.00After 31 months: €1,989.17 rate · balance €26,989.17After 32 months: €2,053.33 rate · balance €27,053.33After 33 months: €2,117.50 rate · balance €27,117.50After 34 months: €2,181.67 rate · balance €27,181.67After 35 months: €2,245.83 rate · balance €27,245.83After 36 months: €2,310.00 rate · balance €27,310.00
Per year
AfterInterest up to thenBalance
1 year€770€25,770
2 years€1,540€26,540
3 years€2,310€27,310

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