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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 €25,000
€750
per year, annualised · €2,318 total over 3 years
Deposit guarantee
€25,000 fully protected
Swedish scheme

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

Your calculation for €25,000

Gross interest over 3 years: €2,318.
Interest built up over 3 years
€ 0€ 1k€ 2kstart1 yr2 yrs3 yrs€2,318After 1 month: €62.50 rate · balance €25,062.50After 2 months: €125 rate · balance €25,125After 3 months: €187.50 rate · balance €25,187.50After 4 months: €250 rate · balance €25,250After 5 months: €312.50 rate · balance €25,312.50

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

€25,000 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 6 months: €375 rate · balance €25,375After 7 months: €437.50 rate · balance €25,437.50After 8 months: €500 rate · balance €25,500After 9 months: €562.50 rate · balance €25,562.50After 10 months: €625 rate · balance €25,625After 11 months: €687.50 rate · balance €25,687.50After 12 months: €750 rate · balance €25,750After 13 months: €814.38 rate · balance €25,814.38After 14 months: €878.75 rate · balance €25,878.75After 15 months: €943.13 rate · balance €25,943.13After 16 months: €1,007.50 rate · balance €26,007.50After 17 months: €1,071.88 rate · balance €26,071.88After 18 months: €1,136.25 rate · balance €26,136.25After 19 months: €1,200.63 rate · balance €26,200.63After 20 months: €1,265 rate · balance €26,265After 21 months: €1,329.38 rate · balance €26,329.38After 22 months: €1,393.75 rate · balance €26,393.75After 23 months: €1,458.13 rate · balance €26,458.13After 24 months: €1,522.50 rate · balance €26,522.50After 25 months: €1,588.81 rate · balance €26,588.81After 26 months: €1,655.11 rate · balance €26,655.11After 27 months: €1,721.42 rate · balance €26,721.42After 28 months: €1,787.72 rate · balance €26,787.72After 29 months: €1,854.03 rate · balance €26,854.03After 30 months: €1,920.34 rate · balance €26,920.34After 31 months: €1,986.64 rate · balance €26,986.64After 32 months: €2,052.95 rate · balance €27,052.95After 33 months: €2,119.26 rate · balance €27,119.26After 34 months: €2,185.56 rate · balance €27,185.56After 35 months: €2,251.87 rate · balance €27,251.87After 36 months: €2,318.17 rate · balance €27,318.17
€ 0€ 1k€ 2kstart1 yr2 yrs3 yrs€2,318After 1 month: €62.50 rate · balance €25,062.50After 2 months: €125 rate · balance €25,125After 3 months: €187.50 rate · balance €25,187.50After 4 months: €250 rate · balance €25,250After 5 months: €312.50 rate · balance €25,312.50After 6 months: €375 rate · balance €25,375After 7 months: €437.50 rate · balance €25,437.50After 8 months: €500 rate · balance €25,500After 9 months: €562.50 rate · balance €25,562.50After 10 months: €625 rate · balance €25,625After 11 months: €687.50 rate · balance €25,687.50After 12 months: €750 rate · balance €25,750After 13 months: €814.38 rate · balance €25,814.38After 14 months: €878.75 rate · balance €25,878.75After 15 months: €943.13 rate · balance €25,943.13After 16 months: €1,007.50 rate · balance €26,007.50After 17 months: €1,071.88 rate · balance €26,071.88After 18 months: €1,136.25 rate · balance €26,136.25After 19 months: €1,200.63 rate · balance €26,200.63After 20 months: €1,265 rate · balance €26,265After 21 months: €1,329.38 rate · balance €26,329.38After 22 months: €1,393.75 rate · balance €26,393.75After 23 months: €1,458.13 rate · balance €26,458.13After 24 months: €1,522.50 rate · balance €26,522.50After 25 months: €1,588.81 rate · balance €26,588.81After 26 months: €1,655.11 rate · balance €26,655.11After 27 months: €1,721.42 rate · balance €26,721.42After 28 months: €1,787.72 rate · balance €26,787.72After 29 months: €1,854.03 rate · balance €26,854.03After 30 months: €1,920.34 rate · balance €26,920.34After 31 months: €1,986.64 rate · balance €26,986.64After 32 months: €2,052.95 rate · balance €27,052.95After 33 months: €2,119.26 rate · balance €27,119.26After 34 months: €2,185.56 rate · balance €27,185.56After 35 months: €2,251.87 rate · balance €27,251.87After 36 months: €2,318.17 rate · balance €27,318.17
Per year
AfterInterest up to thenBalance
1 year€750€25,750
2 years€1,523€26,523
3 years€2,318€27,318

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.