Klarna BankTermijndeposito
Deposit · 3 years · Klarna Bank AB (publ) · Sweden · via Raisin
- Rate
- 3.00%
- 3 years fixed
- since 15 Sep 2026
- Your return on €50,000
- €1,500
- per year, annualised · €4,636 total over 3 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 3 years: €4,636.
Interest built up over 3 years
Per year
| After | Interest up to then | Balance |
|---|---|---|
| 1 year | €1,500 | €51,500 |
| 2 years | €3,045 | €53,045 |
| 3 years | €4,636 | €54,636 |
Rate and conditions
| Balance | Rate |
|---|---|
| €0 – and up | 3.00% |
- Interest payout
- yearly, compounded (interest on interest)
- Fees
- none
- Rate valid since
- 15 Sep 2026
- Access
- 3 years fixed · no early withdrawal
- Term
- 3 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
€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 |
|---|---|---|
| 15 Sep 2026 | 3.00% | current |
| 2 Sep 2026 | 3.08% | 15 Sep 2026 |
All historic rates of Klarna Bank →All savings products of Klarna Bank →
- 15 Sep 2026Klarna Bank – Termijndeposito (36 mo): 3.08% → 3.00%
- 2 Sep 2026New: Klarna Bank – Termijndeposito (36 mo) 3.08%
Rate checked on 2 Nov 2026.