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 just now·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 · 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 €100,000
€3,000
per year, annualised · €9,273 total over 3 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 3 years: €9,273.
Interest built up over 3 years
€ 0€ 5kstart1 yr2 yrs3 yrs€9,273After 1 month: €250 rate · balance €100,250After 2 months: €500 rate · balance €100,500After 3 months: €750 rate · balance €100,750After 4 months: €1,000 rate · balance €101,000After 5 months: €1,250 rate · balance €101,250After 6 months: €1,500 rate · balance €101,500

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

€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

2.75%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: €1,750 rate · balance €101,750After 8 months: €2,000 rate · balance €102,000After 9 months: €2,250 rate · balance €102,250After 10 months: €2,500 rate · balance €102,500After 11 months: €2,750 rate · balance €102,750After 12 months: €3,000 rate · balance €103,000After 13 months: €3,257.50 rate · balance €103,257.50After 14 months: €3,515 rate · balance €103,515After 15 months: €3,772.50 rate · balance €103,772.50After 16 months: €4,030 rate · balance €104,030After 17 months: €4,287.50 rate · balance €104,287.50After 18 months: €4,545 rate · balance €104,545After 19 months: €4,802.50 rate · balance €104,802.50After 20 months: €5,060 rate · balance €105,060After 21 months: €5,317.50 rate · balance €105,317.50After 22 months: €5,575 rate · balance €105,575After 23 months: €5,832.50 rate · balance €105,832.50After 24 months: €6,090 rate · balance €106,090After 25 months: €6,355.23 rate · balance €106,355.23After 26 months: €6,620.45 rate · balance €106,620.45After 27 months: €6,885.68 rate · balance €106,885.68After 28 months: €7,150.90 rate · balance €107,150.90After 29 months: €7,416.13 rate · balance €107,416.13After 30 months: €7,681.35 rate · balance €107,681.35After 31 months: €7,946.58 rate · balance €107,946.57After 32 months: €8,211.80 rate · balance €108,211.80After 33 months: €8,477.03 rate · balance €108,477.03After 34 months: €8,742.25 rate · balance €108,742.25After 35 months: €9,007.48 rate · balance €109,007.48After 36 months: €9,272.70 rate · balance €109,272.70
€ 0€ 5kstart1 yr2 yrs3 yrs€9,273After 1 month: €250 rate · balance €100,250After 2 months: €500 rate · balance €100,500After 3 months: €750 rate · balance €100,750After 4 months: €1,000 rate · balance €101,000After 5 months: €1,250 rate · balance €101,250After 6 months: €1,500 rate · balance €101,500After 7 months: €1,750 rate · balance €101,750After 8 months: €2,000 rate · balance €102,000After 9 months: €2,250 rate · balance €102,250After 10 months: €2,500 rate · balance €102,500After 11 months: €2,750 rate · balance €102,750After 12 months: €3,000 rate · balance €103,000After 13 months: €3,257.50 rate · balance €103,257.50After 14 months: €3,515 rate · balance €103,515After 15 months: €3,772.50 rate · balance €103,772.50After 16 months: €4,030 rate · balance €104,030After 17 months: €4,287.50 rate · balance €104,287.50After 18 months: €4,545 rate · balance €104,545After 19 months: €4,802.50 rate · balance €104,802.50After 20 months: €5,060 rate · balance €105,060After 21 months: €5,317.50 rate · balance €105,317.50After 22 months: €5,575 rate · balance €105,575After 23 months: €5,832.50 rate · balance €105,832.50After 24 months: €6,090 rate · balance €106,090After 25 months: €6,355.23 rate · balance €106,355.23After 26 months: €6,620.45 rate · balance €106,620.45After 27 months: €6,885.68 rate · balance €106,885.68After 28 months: €7,150.90 rate · balance €107,150.90After 29 months: €7,416.13 rate · balance €107,416.13After 30 months: €7,681.35 rate · balance €107,681.35After 31 months: €7,946.58 rate · balance €107,946.57After 32 months: €8,211.80 rate · balance €108,211.80After 33 months: €8,477.03 rate · balance €108,477.03After 34 months: €8,742.25 rate · balance €108,742.25After 35 months: €9,007.48 rate · balance €109,007.48After 36 months: €9,272.70 rate · balance €109,272.70
Per year
AfterInterest up to thenBalance
1 year€3,000€103,000
2 years€6,090€106,090
3 years€9,273€109,273

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.