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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 €16,800
€504
per year, annualised · €1,558 total over 3 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 3 years: €1,558.
Interest built up over 3 years
€ 0€ 1kstart1 yr2 yrs3 yrs€1,558After 1 month: €42 rate · balance €16,842After 2 months: €84 rate · balance €16,884After 3 months: €126 rate · balance €16,926After 4 months: €168 rate · balance €16,968After 5 months: €210 rate · balance €17,010After 6 months: €252 rate · balance €17,052

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

€16,800 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

2.75%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: €294 rate · balance €17,094After 8 months: €336 rate · balance €17,136After 9 months: €378 rate · balance €17,178After 10 months: €420 rate · balance €17,220After 11 months: €462 rate · balance €17,262After 12 months: €504 rate · balance €17,304After 13 months: €547.26 rate · balance €17,347.26After 14 months: €590.52 rate · balance €17,390.52After 15 months: €633.78 rate · balance €17,433.78After 16 months: €677.04 rate · balance €17,477.04After 17 months: €720.30 rate · balance €17,520.30After 18 months: €763.56 rate · balance €17,563.56After 19 months: €806.82 rate · balance €17,606.82After 20 months: €850.08 rate · balance €17,650.08After 21 months: €893.34 rate · balance €17,693.34After 22 months: €936.60 rate · balance €17,736.60After 23 months: €979.86 rate · balance €17,779.86After 24 months: €1,023.12 rate · balance €17,823.12After 25 months: €1,067.68 rate · balance €17,867.68After 26 months: €1,112.24 rate · balance €17,912.24After 27 months: €1,156.79 rate · balance €17,956.79After 28 months: €1,201.35 rate · balance €18,001.35After 29 months: €1,245.91 rate · balance €18,045.91After 30 months: €1,290.47 rate · balance €18,090.47After 31 months: €1,335.02 rate · balance €18,135.02After 32 months: €1,379.58 rate · balance €18,179.58After 33 months: €1,424.14 rate · balance €18,224.14After 34 months: €1,468.70 rate · balance €18,268.70After 35 months: €1,513.26 rate · balance €18,313.26After 36 months: €1,557.81 rate · balance €18,357.81
€ 0€ 1kstart1 yr2 yrs3 yrs€1,558After 1 month: €42 rate · balance €16,842After 2 months: €84 rate · balance €16,884After 3 months: €126 rate · balance €16,926After 4 months: €168 rate · balance €16,968After 5 months: €210 rate · balance €17,010After 6 months: €252 rate · balance €17,052After 7 months: €294 rate · balance €17,094After 8 months: €336 rate · balance €17,136After 9 months: €378 rate · balance €17,178After 10 months: €420 rate · balance €17,220After 11 months: €462 rate · balance €17,262After 12 months: €504 rate · balance €17,304After 13 months: €547.26 rate · balance €17,347.26After 14 months: €590.52 rate · balance €17,390.52After 15 months: €633.78 rate · balance €17,433.78After 16 months: €677.04 rate · balance €17,477.04After 17 months: €720.30 rate · balance €17,520.30After 18 months: €763.56 rate · balance €17,563.56After 19 months: €806.82 rate · balance €17,606.82After 20 months: €850.08 rate · balance €17,650.08After 21 months: €893.34 rate · balance €17,693.34After 22 months: €936.60 rate · balance €17,736.60After 23 months: €979.86 rate · balance €17,779.86After 24 months: €1,023.12 rate · balance €17,823.12After 25 months: €1,067.68 rate · balance €17,867.68After 26 months: €1,112.24 rate · balance €17,912.24After 27 months: €1,156.79 rate · balance €17,956.79After 28 months: €1,201.35 rate · balance €18,001.35After 29 months: €1,245.91 rate · balance €18,045.91After 30 months: €1,290.47 rate · balance €18,090.47After 31 months: €1,335.02 rate · balance €18,135.02After 32 months: €1,379.58 rate · balance €18,179.58After 33 months: €1,424.14 rate · balance €18,224.14After 34 months: €1,468.70 rate · balance €18,268.70After 35 months: €1,513.26 rate · balance €18,313.26After 36 months: €1,557.81 rate · balance €18,357.81
Per year
AfterInterest up to thenBalance
1 year€504€17,304
2 years€1,023€17,823
3 years€1,558€18,358

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.