No longer offered. We last saw this product on 28 Oct 2026; below is the last known rate and the history. See the current offers
What pays the most now
Klarna BankVaste rekening
Deposit · 3 months · Klarna Bank AB (publ) · Sweden · Directly at the bank
- Rate
- 1.84%
- 3 months fixed
- EffectiveThe effective annual rate for €10,000: what you really earn per year, after fees and including compound interest, so that terms and payout frequencies are comparable.
- 1.85%
- for €10,000
- Your return on €10,000
- €185
- per year, annualised · €46 total over 3 months
- Deposit guarantee
- €10,000 fully protectedSwedish scheme
Klarna Bank AB (publ) · Insättningsgarantin (Riksgälden) · €104,000 per person per bank
Your calculation for €10,000
Gross interest over 3 months: €46.
Interest built up over 3 months
Rate and conditions
| Balance | Rate |
|---|---|
| €0 – and up | 1.84% |
- Interest payout
- end of term, paid out
- Fees
- none
- Access
- 3 months fixed · early withdrawal unknown
- Term
- 3 months
- 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-disclosuresource ↗ · 2 Nov 2026
details
Riksgälden
Taxes
- Country
- Sweden
- Withholding tax
- No withholding tax
- Standard rate
- 0.00%
- For a Dutch saver
- 0.00%
- Notes
- Sweden withholds no tax on savings interest of non-residents: you receive the full interest.
Rates are gross. The Dutch box 3 wealth tax is separate and not included.
Read on: Is saving at a foreign bank safe? How the deposit guarantee works in Europe · Saving more than €100,000: how to spread your money across banks
Rate history
1.84% 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 →
- 31 Oct 2026Klarna – Vaste rekening 3m not found in 12 consecutive runs; deactivated
- 28 Oct 2026Klarna – Vaste rekening 3m missing from the source (3 runs)
- 2 Sep 2026New: Klarna – Vaste rekening (3 mo) 1.84%
Rate checked on 28 Oct 2026.