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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 €16,600
€498
per year, annualised · €1,539 total over 3 years
Deposit guarantee
€16,600 fully protected
Swedish scheme

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

Your calculation for €16,600

Gross interest over 3 years: €1,539.
Interest built up over 3 years
€ 0€ 1kstart1 yr2 yrs3 yrs€1,539After 1 month: €41.50 rate · balance €16,641.50After 2 months: €83 rate · balance €16,683After 3 months: €124.50 rate · balance €16,724.50After 4 months: €166 rate · balance €16,766After 5 months: €207.50 rate · balance €16,807.50After 6 months: €249 rate · balance €16,849

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

€16,600 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: €290.50 rate · balance €16,890.50After 8 months: €332 rate · balance €16,932After 9 months: €373.50 rate · balance €16,973.50After 10 months: €415 rate · balance €17,015After 11 months: €456.50 rate · balance €17,056.50After 12 months: €498 rate · balance €17,098After 13 months: €540.75 rate · balance €17,140.74After 14 months: €583.49 rate · balance €17,183.49After 15 months: €626.24 rate · balance €17,226.24After 16 months: €668.98 rate · balance €17,268.98After 17 months: €711.73 rate · balance €17,311.72After 18 months: €754.47 rate · balance €17,354.47After 19 months: €797.22 rate · balance €17,397.22After 20 months: €839.96 rate · balance €17,439.96After 21 months: €882.71 rate · balance €17,482.71After 22 months: €925.45 rate · balance €17,525.45After 23 months: €968.20 rate · balance €17,568.19After 24 months: €1,010.94 rate · balance €17,610.94After 25 months: €1,054.97 rate · balance €17,654.97After 26 months: €1,098.99 rate · balance €17,698.99After 27 months: €1,143.02 rate · balance €17,743.02After 28 months: €1,187.05 rate · balance €17,787.05After 29 months: €1,231.08 rate · balance €17,831.08After 30 months: €1,275.10 rate · balance €17,875.10After 31 months: €1,319.13 rate · balance €17,919.13After 32 months: €1,363.16 rate · balance €17,963.16After 33 months: €1,407.19 rate · balance €18,007.19After 34 months: €1,451.21 rate · balance €18,051.21After 35 months: €1,495.24 rate · balance €18,095.24After 36 months: €1,539.27 rate · balance €18,139.27
€ 0€ 1kstart1 yr2 yrs3 yrs€1,539After 1 month: €41.50 rate · balance €16,641.50After 2 months: €83 rate · balance €16,683After 3 months: €124.50 rate · balance €16,724.50After 4 months: €166 rate · balance €16,766After 5 months: €207.50 rate · balance €16,807.50After 6 months: €249 rate · balance €16,849After 7 months: €290.50 rate · balance €16,890.50After 8 months: €332 rate · balance €16,932After 9 months: €373.50 rate · balance €16,973.50After 10 months: €415 rate · balance €17,015After 11 months: €456.50 rate · balance €17,056.50After 12 months: €498 rate · balance €17,098After 13 months: €540.75 rate · balance €17,140.74After 14 months: €583.49 rate · balance €17,183.49After 15 months: €626.24 rate · balance €17,226.24After 16 months: €668.98 rate · balance €17,268.98After 17 months: €711.73 rate · balance €17,311.72After 18 months: €754.47 rate · balance €17,354.47After 19 months: €797.22 rate · balance €17,397.22After 20 months: €839.96 rate · balance €17,439.96After 21 months: €882.71 rate · balance €17,482.71After 22 months: €925.45 rate · balance €17,525.45After 23 months: €968.20 rate · balance €17,568.19After 24 months: €1,010.94 rate · balance €17,610.94After 25 months: €1,054.97 rate · balance €17,654.97After 26 months: €1,098.99 rate · balance €17,698.99After 27 months: €1,143.02 rate · balance €17,743.02After 28 months: €1,187.05 rate · balance €17,787.05After 29 months: €1,231.08 rate · balance €17,831.08After 30 months: €1,275.10 rate · balance €17,875.10After 31 months: €1,319.13 rate · balance €17,919.13After 32 months: €1,363.16 rate · balance €17,963.16After 33 months: €1,407.19 rate · balance €18,007.19After 34 months: €1,451.21 rate · balance €18,051.21After 35 months: €1,495.24 rate · balance €18,095.24After 36 months: €1,539.27 rate · balance €18,139.27
Per year
AfterInterest up to thenBalance
1 year€498€17,098
2 years€1,011€17,611
3 years€1,539€18,139

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.