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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 · 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 €100,000
€2,960
per year, annualised · €6,008 total over 2 years
Deposit guarantee
€100,000 fully protected
Swedish scheme

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

Your calculation for €100,000

Gross interest over 2 years: €6,008.
Interest built up over 2 years
€ 0€ 2,5k€ 5kstart1 yr2 yrs€6,008After 1 month: €246.67 rate · balance €100,246.67After 2 months: €493.33 rate · balance €100,493.33After 3 months: €740.00 rate · balance €100,740.00After 4 months: €986.67 rate · balance €100,986.67After 5 months: €1,233.33 rate · balance €101,233.33After 6 months: €1,480.00 rate · balance €101,480.00After 7 months: €1,726.67 rate · balance €101,726.67After 8 months: €1,973.33 rate · balance €101,973.33

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

€100,000 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: €2,220.00 rate · balance €102,220.00After 10 months: €2,466.67 rate · balance €102,466.67After 11 months: €2,713.33 rate · balance €102,713.33After 12 months: €2,960.00 rate · balance €102,960.00After 13 months: €3,213.97 rate · balance €103,213.97After 14 months: €3,467.94 rate · balance €103,467.94After 15 months: €3,721.90 rate · balance €103,721.90After 16 months: €3,975.87 rate · balance €103,975.87After 17 months: €4,229.84 rate · balance €104,229.84After 18 months: €4,483.81 rate · balance €104,483.81After 19 months: €4,737.78 rate · balance €104,737.78After 20 months: €4,991.74 rate · balance €104,991.74After 21 months: €5,245.71 rate · balance €105,245.71After 22 months: €5,499.68 rate · balance €105,499.68After 23 months: €5,753.65 rate · balance €105,753.65After 24 months: €6,007.62 rate · balance €106,007.62
€ 0€ 2,5k€ 5kstart1 yr2 yrs€6,008After 1 month: €246.67 rate · balance €100,246.67After 2 months: €493.33 rate · balance €100,493.33After 3 months: €740.00 rate · balance €100,740.00After 4 months: €986.67 rate · balance €100,986.67After 5 months: €1,233.33 rate · balance €101,233.33After 6 months: €1,480.00 rate · balance €101,480.00After 7 months: €1,726.67 rate · balance €101,726.67After 8 months: €1,973.33 rate · balance €101,973.33After 9 months: €2,220.00 rate · balance €102,220.00After 10 months: €2,466.67 rate · balance €102,466.67After 11 months: €2,713.33 rate · balance €102,713.33After 12 months: €2,960.00 rate · balance €102,960.00After 13 months: €3,213.97 rate · balance €103,213.97After 14 months: €3,467.94 rate · balance €103,467.94After 15 months: €3,721.90 rate · balance €103,721.90After 16 months: €3,975.87 rate · balance €103,975.87After 17 months: €4,229.84 rate · balance €104,229.84After 18 months: €4,483.81 rate · balance €104,483.81After 19 months: €4,737.78 rate · balance €104,737.78After 20 months: €4,991.74 rate · balance €104,991.74After 21 months: €5,245.71 rate · balance €105,245.71After 22 months: €5,499.68 rate · balance €105,499.68After 23 months: €5,753.65 rate · balance €105,753.65After 24 months: €6,007.62 rate · balance €106,007.62
Per year
AfterInterest up to thenBalance
1 year€2,960€102,960
2 years€6,008€106,008

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.