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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 · 4 years · Klarna Bank AB (publ) · Sweden · Directly at the bank
Open an account at Klarna Bank
Rate
3.10%
4 years fixed
Your return on €25,000
€775
per year, annualised · €3,100 total over 4 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 4 years: €3,100.
Interest built up over 4 years
€ 0€ 2kstart2 yrs4 yrs€3,100After 1 month: €64.58 rate · balance €25,064.58After 2 months: €129.17 rate · balance €25,129.17After 3 months: €193.75 rate · balance €25,193.75After 4 months: €258.33 rate · balance €25,258.33

Rate and conditions

BalanceRate
€0 – and up3.10%
Interest payout
yearly, paid out
Fees
none
Access
4 years fixed · early withdrawal unknown
Term
4 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

3.10% 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 (48 mo) 3.10%

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% · Direct3 years · 3.08% · Direct
After 5 months: €322.92 rate · balance €25,322.92After 6 months: €387.50 rate · balance €25,387.50After 7 months: €452.08 rate · balance €25,452.08After 8 months: €516.67 rate · balance €25,516.67After 9 months: €581.25 rate · balance €25,581.25After 10 months: €645.83 rate · balance €25,645.83After 11 months: €710.42 rate · balance €25,710.42After 12 months: €775.00 rate · balance €25,775.00After 13 months: €839.58 rate · balance €25,839.58After 14 months: €904.17 rate · balance €25,904.17After 15 months: €968.75 rate · balance €25,968.75After 16 months: €1,033.33 rate · balance €26,033.33After 17 months: €1,097.92 rate · balance €26,097.92After 18 months: €1,162.50 rate · balance €26,162.50After 19 months: €1,227.08 rate · balance €26,227.08After 20 months: €1,291.67 rate · balance €26,291.67After 21 months: €1,356.25 rate · balance €26,356.25After 22 months: €1,420.83 rate · balance €26,420.83After 23 months: €1,485.42 rate · balance €26,485.42After 24 months: €1,550.00 rate · balance €26,550.00After 25 months: €1,614.58 rate · balance €26,614.58After 26 months: €1,679.17 rate · balance €26,679.17After 27 months: €1,743.75 rate · balance €26,743.75After 28 months: €1,808.33 rate · balance €26,808.33After 29 months: €1,872.92 rate · balance €26,872.92After 30 months: €1,937.50 rate · balance €26,937.50After 31 months: €2,002.08 rate · balance €27,002.08After 32 months: €2,066.67 rate · balance €27,066.67After 33 months: €2,131.25 rate · balance €27,131.25After 34 months: €2,195.83 rate · balance €27,195.83After 35 months: €2,260.42 rate · balance €27,260.42After 36 months: €2,325.00 rate · balance €27,325.00After 37 months: €2,389.58 rate · balance €27,389.58After 38 months: €2,454.17 rate · balance €27,454.17After 39 months: €2,518.75 rate · balance €27,518.75After 40 months: €2,583.33 rate · balance €27,583.33After 41 months: €2,647.92 rate · balance €27,647.92After 42 months: €2,712.50 rate · balance €27,712.50After 43 months: €2,777.08 rate · balance €27,777.08After 44 months: €2,841.67 rate · balance €27,841.67After 45 months: €2,906.25 rate · balance €27,906.25After 46 months: €2,970.83 rate · balance €27,970.83After 47 months: €3,035.42 rate · balance €28,035.42After 48 months: €3,100.00 rate · balance €28,100.00
€ 0€ 2kstart1 yr2 yrs3 yrs4 yrs€3,100After 1 month: €64.58 rate · balance €25,064.58After 2 months: €129.17 rate · balance €25,129.17After 3 months: €193.75 rate · balance €25,193.75After 4 months: €258.33 rate · balance €25,258.33After 5 months: €322.92 rate · balance €25,322.92After 6 months: €387.50 rate · balance €25,387.50After 7 months: €452.08 rate · balance €25,452.08After 8 months: €516.67 rate · balance €25,516.67After 9 months: €581.25 rate · balance €25,581.25After 10 months: €645.83 rate · balance €25,645.83After 11 months: €710.42 rate · balance €25,710.42After 12 months: €775.00 rate · balance €25,775.00After 13 months: €839.58 rate · balance €25,839.58After 14 months: €904.17 rate · balance €25,904.17After 15 months: €968.75 rate · balance €25,968.75After 16 months: €1,033.33 rate · balance €26,033.33After 17 months: €1,097.92 rate · balance €26,097.92After 18 months: €1,162.50 rate · balance €26,162.50After 19 months: €1,227.08 rate · balance €26,227.08After 20 months: €1,291.67 rate · balance €26,291.67After 21 months: €1,356.25 rate · balance €26,356.25After 22 months: €1,420.83 rate · balance €26,420.83After 23 months: €1,485.42 rate · balance €26,485.42After 24 months: €1,550.00 rate · balance €26,550.00After 25 months: €1,614.58 rate · balance €26,614.58After 26 months: €1,679.17 rate · balance €26,679.17After 27 months: €1,743.75 rate · balance €26,743.75After 28 months: €1,808.33 rate · balance €26,808.33After 29 months: €1,872.92 rate · balance €26,872.92After 30 months: €1,937.50 rate · balance €26,937.50After 31 months: €2,002.08 rate · balance €27,002.08After 32 months: €2,066.67 rate · balance €27,066.67After 33 months: €2,131.25 rate · balance €27,131.25After 34 months: €2,195.83 rate · balance €27,195.83After 35 months: €2,260.42 rate · balance €27,260.42After 36 months: €2,325.00 rate · balance €27,325.00After 37 months: €2,389.58 rate · balance €27,389.58After 38 months: €2,454.17 rate · balance €27,454.17After 39 months: €2,518.75 rate · balance €27,518.75After 40 months: €2,583.33 rate · balance €27,583.33After 41 months: €2,647.92 rate · balance €27,647.92After 42 months: €2,712.50 rate · balance €27,712.50After 43 months: €2,777.08 rate · balance €27,777.08After 44 months: €2,841.67 rate · balance €27,841.67After 45 months: €2,906.25 rate · balance €27,906.25After 46 months: €2,970.83 rate · balance €27,970.83After 47 months: €3,035.42 rate · balance €28,035.42After 48 months: €3,100.00 rate · balance €28,100.00
Per year
AfterInterest up to thenBalance
1 year€775€25,775
2 years€1,550€26,550
3 years€2,325€27,325
4 years€3,100€28,100

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