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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 €16,800
€497
per year, annualised · €1,009 total over 2 years
Deposit guarantee
€16,800 fully protected
Swedish scheme

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

Your calculation for €16,800

Gross interest over 2 years: €1,009.
Interest built up over 2 years
€ 0€ 500€ 1kstart1 yr2 yrs€1,009After 1 month: €41.44 rate · balance €16,841.44After 2 months: €82.88 rate · balance €16,882.88After 3 months: €124.32 rate · balance €16,924.32After 4 months: €165.76 rate · balance €16,965.76After 5 months: €207.20 rate · balance €17,007.20After 6 months: €248.64 rate · balance €17,048.64After 7 months: €290.08 rate · balance €17,090.08After 8 months: €331.52 rate · balance €17,131.52

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

€16,800 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: €372.96 rate · balance €17,172.96After 10 months: €414.40 rate · balance €17,214.40After 11 months: €455.84 rate · balance €17,255.84After 12 months: €497.28 rate · balance €17,297.28After 13 months: €539.95 rate · balance €17,339.95After 14 months: €582.61 rate · balance €17,382.61After 15 months: €625.28 rate · balance €17,425.28After 16 months: €667.95 rate · balance €17,467.95After 17 months: €710.61 rate · balance €17,510.61After 18 months: €753.28 rate · balance €17,553.28After 19 months: €795.95 rate · balance €17,595.95After 20 months: €838.61 rate · balance €17,638.61After 21 months: €881.28 rate · balance €17,681.28After 22 months: €923.95 rate · balance €17,723.95After 23 months: €966.61 rate · balance €17,766.61After 24 months: €1,009.28 rate · balance €17,809.28
€ 0€ 500€ 1kstart1 yr2 yrs€1,009After 1 month: €41.44 rate · balance €16,841.44After 2 months: €82.88 rate · balance €16,882.88After 3 months: €124.32 rate · balance €16,924.32After 4 months: €165.76 rate · balance €16,965.76After 5 months: €207.20 rate · balance €17,007.20After 6 months: €248.64 rate · balance €17,048.64After 7 months: €290.08 rate · balance €17,090.08After 8 months: €331.52 rate · balance €17,131.52After 9 months: €372.96 rate · balance €17,172.96After 10 months: €414.40 rate · balance €17,214.40After 11 months: €455.84 rate · balance €17,255.84After 12 months: €497.28 rate · balance €17,297.28After 13 months: €539.95 rate · balance €17,339.95After 14 months: €582.61 rate · balance €17,382.61After 15 months: €625.28 rate · balance €17,425.28After 16 months: €667.95 rate · balance €17,467.95After 17 months: €710.61 rate · balance €17,510.61After 18 months: €753.28 rate · balance €17,553.28After 19 months: €795.95 rate · balance €17,595.95After 20 months: €838.61 rate · balance €17,638.61After 21 months: €881.28 rate · balance €17,681.28After 22 months: €923.95 rate · balance €17,723.95After 23 months: €966.61 rate · balance €17,766.61After 24 months: €1,009.28 rate · balance €17,809.28
Per year
AfterInterest up to thenBalance
1 year€497€17,297
2 years€1,009€17,809

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.