Klarna BankVaste rekening
Deposit · 4 years · Klarna Bank AB (publ) · Sweden · Directly at the bank
- Rate
- 3.24%
- 4 years fixed
- since 25 Sep 2026
- Your return on €50,000
- €1,620
- per year, annualised · €6,480 total over 4 years
- Deposit guarantee
- €50,000 fully protectedSwedish scheme
Klarna Bank AB (publ) · Insättningsgarantin (Riksgälden) · €104,000 per person per bank
Your calculation for €50,000
Gross interest over 4 years: €6,480.
Interest built up over 4 years
Per year
| After | Interest up to then | Balance |
|---|---|---|
| 1 year | €1,620 | €51,620 |
| 2 years | €3,240 | €53,240 |
| 3 years | €4,860 | €54,860 |
| 4 years | €6,480 | €56,480 |
Rate and conditions
| Balance | Rate |
|---|---|
| €0 – and up | 3.24% |
- 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
€50,000 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
| From | Rate | Until |
|---|---|---|
| 25 Sep 2026 | 3.24% | current |
| 2 Sep 2026 | 3.10% | 25 Sep 2026 |
All historic rates of Klarna Bank →All savings products of Klarna Bank →
- 25 Sep 2026Klarna – Vaste rekening (48 mo): 3.10% → 3.24%
- 2 Sep 2026New: Klarna – Vaste rekening (48 mo) 3.10%
Rate checked on 2 Nov 2026.