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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 BankTermijndeposito

Deposit · 1 year · Klarna Bank AB (publ) · Sweden · via Raisin
Open an account at Klarna Bank
Rate
2.90%
1 year fixed
since 15 Sep 2026
Your return on €10,000
€290
interest per year
Deposit guarantee
€10,000 fully protected
Swedish scheme

Klarna Bank AB (publ) · Insättningsgarantin (Riksgälden) · €104,000 per person per bank

Your calculation for €10,000

Gross interest over 1 year: €290.
Interest built up over 1 year
€ 0€ 100€ 200start6 mo1 yr€290After 1 month: €24.17 rate · balance €10,024.17After 2 months: €48.33 rate · balance €10,048.33After 3 months: €72.50 rate · balance €10,072.50After 4 months: €96.67 rate · balance €10,096.67After 5 months: €120.83 rate · balance €10,120.83After 6 months: €145.00 rate · balance €10,145.00After 7 months: €169.17 rate · balance €10,169.17After 8 months: €193.33 rate · balance €10,193.33After 9 months: €217.50 rate · balance €10,217.50After 10 months: €241.67 rate · balance €10,241.67

Rate and conditions

BalanceRate
€0 – and up2.90%
Interest payout
end of term, paid out
Fees
none
Rate valid since
15 Sep 2026
Access
1 year fixed · no early withdrawal
Term
1 year
Minimum deposit
€500
Maximum deposit
€100,000
Current account required
no
For whom
new and existing customers
Open via
Raisin (Raisin) · for residents of the Netherlands via Raisin
  • Einde looptijd

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-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

2.50%2.75%3.00%3.25%2 Sep 202610 Sep 2026now2.90%3.00% from 2 Sep 2026 until 15 Sep 20262.90% from 15 Sep 2026 until now
2.50%2.75%3.00%3.25%2 Sep 202610 Sep 2026now2.90%3.00% from 2 Sep 2026 until 15 Sep 20262.90% from 15 Sep 2026 until now

Other offers from Klarna Bank

Instant access · 2.01% · Raisin3 months · 1.65% · Raisin6 months · 2.70% · Raisin9 months · 2.27% · Raisin18 months · 2.92% · Raisin2 years · 2.96% · Raisin3 years · 3.00% · Raisin4 years · 3.05% · Raisin
After 11 months: €265.83 rate · balance €10,265.83After 12 months: €290.00 rate · balance €10,290.00
€ 0€ 100€ 200start3 mo6 mo9 mo1 yr€290After 1 month: €24.17 rate · balance €10,024.17After 2 months: €48.33 rate · balance €10,048.33After 3 months: €72.50 rate · balance €10,072.50After 4 months: €96.67 rate · balance €10,096.67After 5 months: €120.83 rate · balance €10,120.83After 6 months: €145.00 rate · balance €10,145.00After 7 months: €169.17 rate · balance €10,169.17After 8 months: €193.33 rate · balance €10,193.33After 9 months: €217.50 rate · balance €10,217.50After 10 months: €241.67 rate · balance €10,241.67After 11 months: €265.83 rate · balance €10,265.83After 12 months: €290.00 rate · balance €10,290.00

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

From
Rate
Until
15 Sep 20262.90%current
2 Sep 20263.00%15 Sep 2026

All historic rates of Klarna Bank →All savings products of Klarna Bank →

  • 15 Sep 2026Klarna Bank – Termijndeposito (12 mo): 3.00% → 2.90%
  • 2 Sep 2026New: Klarna Bank – Termijndeposito (12 mo) 3.00%

Rate checked on 18 Sep 2026.