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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 · 3 years · Klarna Bank AB (publ) · Sweden · via Raisin
Open an account at Klarna Bank
Rate
3.00%
3 years fixed
since 15 Sep 2026
Your return on €10,000
€300
per year, annualised · €927 total over 3 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 3 years: €927.
Interest built up over 3 years
€ 0€ 500start1 yr2 yrs3 yrs€927After 1 month: €25 rate · balance €10,025After 2 months: €50 rate · balance €10,050After 3 months: €75 rate · balance €10,075After 4 months: €100 rate · balance €10,100After 5 months: €125 rate · balance €10,125After 6 months: €150 rate · balance €10,150

Rate and conditions

BalanceRate
€0 – and up3.00%
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

€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

2.75%3.00%3.25%3.50%2 Sep 202610 Sep 2026now3.00%3.08% from 2 Sep 2026 until 15 Sep 20263.00% from 15 Sep 2026 until now
2.75%3.00%3.25%3.50%2 Sep 202610 Sep 2026now3.00%3.08% from 2 Sep 2026 until 15 Sep 20263.00% 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% · Raisin1 year · 2.90% · Raisin18 months · 2.92% · Raisin2 years · 2.96% · Raisin4 years · 3.05% · Raisin
After 7 months: €175 rate · balance €10,175After 8 months: €200 rate · balance €10,200After 9 months: €225 rate · balance €10,225After 10 months: €250 rate · balance €10,250After 11 months: €275 rate · balance €10,275After 12 months: €300 rate · balance €10,300After 13 months: €325.75 rate · balance €10,325.75After 14 months: €351.50 rate · balance €10,351.50After 15 months: €377.25 rate · balance €10,377.25After 16 months: €403 rate · balance €10,403After 17 months: €428.75 rate · balance €10,428.75After 18 months: €454.50 rate · balance €10,454.50After 19 months: €480.25 rate · balance €10,480.25After 20 months: €506 rate · balance €10,506After 21 months: €531.75 rate · balance €10,531.75After 22 months: €557.50 rate · balance €10,557.50After 23 months: €583.25 rate · balance €10,583.25After 24 months: €609 rate · balance €10,609After 25 months: €635.52 rate · balance €10,635.52After 26 months: €662.05 rate · balance €10,662.05After 27 months: €688.57 rate · balance €10,688.57After 28 months: €715.09 rate · balance €10,715.09After 29 months: €741.61 rate · balance €10,741.61After 30 months: €768.14 rate · balance €10,768.14After 31 months: €794.66 rate · balance €10,794.66After 32 months: €821.18 rate · balance €10,821.18After 33 months: €847.70 rate · balance €10,847.70After 34 months: €874.23 rate · balance €10,874.23After 35 months: €900.75 rate · balance €10,900.75After 36 months: €927.27 rate · balance €10,927.27
€ 0€ 500start1 yr2 yrs3 yrs€927After 1 month: €25 rate · balance €10,025After 2 months: €50 rate · balance €10,050After 3 months: €75 rate · balance €10,075After 4 months: €100 rate · balance €10,100After 5 months: €125 rate · balance €10,125After 6 months: €150 rate · balance €10,150After 7 months: €175 rate · balance €10,175After 8 months: €200 rate · balance €10,200After 9 months: €225 rate · balance €10,225After 10 months: €250 rate · balance €10,250After 11 months: €275 rate · balance €10,275After 12 months: €300 rate · balance €10,300After 13 months: €325.75 rate · balance €10,325.75After 14 months: €351.50 rate · balance €10,351.50After 15 months: €377.25 rate · balance €10,377.25After 16 months: €403 rate · balance €10,403After 17 months: €428.75 rate · balance €10,428.75After 18 months: €454.50 rate · balance €10,454.50After 19 months: €480.25 rate · balance €10,480.25After 20 months: €506 rate · balance €10,506After 21 months: €531.75 rate · balance €10,531.75After 22 months: €557.50 rate · balance €10,557.50After 23 months: €583.25 rate · balance €10,583.25After 24 months: €609 rate · balance €10,609After 25 months: €635.52 rate · balance €10,635.52After 26 months: €662.05 rate · balance €10,662.05After 27 months: €688.57 rate · balance €10,688.57After 28 months: €715.09 rate · balance €10,715.09After 29 months: €741.61 rate · balance €10,741.61After 30 months: €768.14 rate · balance €10,768.14After 31 months: €794.66 rate · balance €10,794.66After 32 months: €821.18 rate · balance €10,821.18After 33 months: €847.70 rate · balance €10,847.70After 34 months: €874.23 rate · balance €10,874.23After 35 months: €900.75 rate · balance €10,900.75After 36 months: €927.27 rate · balance €10,927.27
Per year
AfterInterest up to thenBalance
1 year€300€10,300
2 years€609€10,609
3 years€927€10,927

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

From
Rate
Until
15 Sep 20263.00%current
2 Sep 20263.08%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 18 Sep 2026.