Spaarradar
CompareDepositsGuided choice
News
NL
Spaarradar

Independent: the order follows only from the rate, your amount and the deposit guarantee, never from fees paid by banks.

Last check 4 minutes ago·570 offers from 88 institutions

Compare
  • Highest savings rate
  • Deposits by term
  • Notice accounts
  • No withholding tax
  • Saving via Raisin
  • Directly at the bank
  • Banks & deposit guarantee
Tools
  • Guided choice
  • Interest calculator
  • Switch check
  • Deposit ladder
  • My list
  • Widget for your site
Market data
  • Rate changes
  • Rate history
  • ECB rate
  • Savings rate index
  • News
  • API
About this site
  • Glossary
  • Methodology
  • About & contact
  • Press
  • Privacy
  • Disclaimer

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
Back to the comparison

Klarna BankTermijndeposito

Deposit · 2 years · Klarna Bank AB (publ) · Sweden · via Raisin
Open an account at Klarna Bank
Rate
2.96%
2 years fixed
since 15 Sep 2026
Your return on €10,000
€296
per year, annualised · €601 total over 2 years
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 2 years: €601.
Interest built up over 2 years
€ 0€ 250€ 500start1 yr2 yrs€601After 1 month: €24.67 rate · balance €10,024.67After 2 months: €49.33 rate · balance €10,049.33After 3 months: €74.00 rate · balance €10,074.00After 4 months: €98.67 rate · balance €10,098.67After 5 months: €123.33 rate · balance €10,123.33After 6 months: €148.00 rate · balance €10,148.00After 7 months: €172.67 rate · balance €10,172.67After 8 months: €197.33 rate · balance €10,197.33

Rate and conditions

BalanceRate
€0 – and up2.96%
Interest payout
yearly, compounded (interest on interest)
Fees
none
Rate valid since
15 Sep 2026
Access
2 years fixed · no early withdrawal
Term
2 years
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
  • Rente-op-rente. Rente wordt jaarlijks bijgeschreven op het termijndeposito

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%3.50%2 Sep 202610 Sep 2026now2.96%3.05% from 2 Sep 2026 until 15 Sep 20262.96% from 15 Sep 2026 until now
2.50%2.75%3.00%3.25%3.50%2 Sep 202610 Sep 2026now2.96%3.05% from 2 Sep 2026 until 15 Sep 2026

Other offers from Klarna Bank

Instant access · 2.01% · Raisin3 months · 1.65% · Raisin6 months · 2.70% · Raisin9 months · 2.27% · Raisin1 year · 2.90% · Raisin18 months · 2.92% · Raisin3 years · 3.00% · Raisin4 years · 3.05% · Raisin
After 9 months: €222.00 rate · balance €10,222.00After 10 months: €246.67 rate · balance €10,246.67After 11 months: €271.33 rate · balance €10,271.33After 12 months: €296.00 rate · balance €10,296.00After 13 months: €321.40 rate · balance €10,321.40After 14 months: €346.79 rate · balance €10,346.79After 15 months: €372.19 rate · balance €10,372.19After 16 months: €397.59 rate · balance €10,397.59After 17 months: €422.98 rate · balance €10,422.98After 18 months: €448.38 rate · balance €10,448.38After 19 months: €473.78 rate · balance €10,473.78After 20 months: €499.17 rate · balance €10,499.17After 21 months: €524.57 rate · balance €10,524.57After 22 months: €549.97 rate · balance €10,549.97After 23 months: €575.37 rate · balance €10,575.37After 24 months: €600.76 rate · balance €10,600.76
€ 0€ 250€ 500start1 yr2 yrs€601After 1 month: €24.67 rate · balance €10,024.67After 2 months: €49.33 rate · balance €10,049.33After 3 months: €74.00 rate · balance €10,074.00After 4 months: €98.67 rate · balance €10,098.67After 5 months: €123.33 rate · balance €10,123.33After 6 months: €148.00 rate · balance €10,148.00After 7 months: €172.67 rate · balance €10,172.67After 8 months: €197.33 rate · balance €10,197.33After 9 months: €222.00 rate · balance €10,222.00After 10 months: €246.67 rate · balance €10,246.67After 11 months: €271.33 rate · balance €10,271.33After 12 months: €296.00 rate · balance €10,296.00After 13 months: €321.40 rate · balance €10,321.40After 14 months: €346.79 rate · balance €10,346.79After 15 months: €372.19 rate · balance €10,372.19After 16 months: €397.59 rate · balance €10,397.59After 17 months: €422.98 rate · balance €10,422.98After 18 months: €448.38 rate · balance €10,448.38After 19 months: €473.78 rate · balance €10,473.78After 20 months: €499.17 rate · balance €10,499.17After 21 months: €524.57 rate · balance €10,524.57After 22 months: €549.97 rate · balance €10,549.97After 23 months: €575.37 rate · balance €10,575.37After 24 months: €600.76 rate · balance €10,600.76
Per year
AfterInterest up to thenBalance
1 year€296€10,296
2 years€601€10,601

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

2.96% from 15 Sep 2026 until now
FromRateUntil
15 Sep 20262.96%current
2 Sep 20263.05%15 Sep 2026

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

  • 15 Sep 2026Klarna Bank – Termijndeposito (24 mo): 3.05% → 2.96%
  • 2 Sep 2026New: Klarna Bank – Termijndeposito (24 mo) 3.05%

Rate checked on 18 Sep 2026.