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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 · 4 years · Klarna Bank AB (publ) · Sweden · via Raisin
Open an account at Klarna Bank
Rate
3.05%
4 years fixed
since 15 Sep 2026
Your return on €16,800
€512
per year, annualised · €2,145 total over 4 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 4 years: €2,145.
Interest built up over 4 years
€ 0€ 1k€ 2kstart2 yrs4 yrs€2,145After 1 month: €42.70 rate · balance €16,842.70After 2 months: €85.40 rate · balance €16,885.40

Rate and conditions

BalanceRate
€0 – and up3.05%
Interest payout
yearly, compounded (interest on interest)
Fees
none
Rate valid since
15 Sep 2026
Access
4 years fixed · no early withdrawal
Term
4 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 2026now3.05%3.10% from 2 Sep 2026 until 15 Sep 20263.05% from 15 Sep 2026 until now
2.75%3.00%3.25%3.50%2 Sep 202610 Sep 2026now3.05%3.10% from 2 Sep 2026 until 15 Sep 20263.05% 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% · Raisin3 years · 3.00% · Raisin
After 3 months: €128.10 rate · balance €16,928.10After 4 months: €170.80 rate · balance €16,970.80After 5 months: €213.50 rate · balance €17,013.50After 6 months: €256.20 rate · balance €17,056.20After 7 months: €298.90 rate · balance €17,098.90After 8 months: €341.60 rate · balance €17,141.60After 9 months: €384.30 rate · balance €17,184.30After 10 months: €427.00 rate · balance €17,227After 11 months: €469.70 rate · balance €17,269.70After 12 months: €512.40 rate · balance €17,312.40After 13 months: €556.40 rate · balance €17,356.40After 14 months: €600.40 rate · balance €17,400.40After 15 months: €644.41 rate · balance €17,444.41After 16 months: €688.41 rate · balance €17,488.41After 17 months: €732.41 rate · balance €17,532.41After 18 months: €776.41 rate · balance €17,576.41After 19 months: €820.42 rate · balance €17,620.42After 20 months: €864.42 rate · balance €17,664.42After 21 months: €908.42 rate · balance €17,708.42After 22 months: €952.42 rate · balance €17,752.42After 23 months: €996.43 rate · balance €17,796.43After 24 months: €1,040.43 rate · balance €17,840.43After 25 months: €1,085.77 rate · balance €17,885.77After 26 months: €1,131.12 rate · balance €17,931.12After 27 months: €1,176.46 rate · balance €17,976.46After 28 months: €1,221.81 rate · balance €18,021.81After 29 months: €1,267.15 rate · balance €18,067.15After 30 months: €1,312.50 rate · balance €18,112.50After 31 months: €1,357.84 rate · balance €18,157.84After 32 months: €1,403.18 rate · balance €18,203.18After 33 months: €1,448.53 rate · balance €18,248.53After 34 months: €1,493.87 rate · balance €18,293.87After 35 months: €1,539.22 rate · balance €18,339.22After 36 months: €1,584.56 rate · balance €18,384.56After 37 months: €1,631.29 rate · balance €18,431.29After 38 months: €1,678.02 rate · balance €18,478.02After 39 months: €1,724.74 rate · balance €18,524.74After 40 months: €1,771.47 rate · balance €18,571.47After 41 months: €1,818.20 rate · balance €18,618.20After 42 months: €1,864.93 rate · balance €18,664.93After 43 months: €1,911.65 rate · balance €18,711.65After 44 months: €1,958.38 rate · balance €18,758.38After 45 months: €2,005.11 rate · balance €18,805.11After 46 months: €2,051.84 rate · balance €18,851.84After 47 months: €2,098.56 rate · balance €18,898.56After 48 months: €2,145.29 rate · balance €18,945.29
€ 0€ 1k€ 2kstart1 yr2 yrs3 yrs4 yrs€2,145After 1 month: €42.70 rate · balance €16,842.70After 2 months: €85.40 rate · balance €16,885.40After 3 months: €128.10 rate · balance €16,928.10After 4 months: €170.80 rate · balance €16,970.80After 5 months: €213.50 rate · balance €17,013.50After 6 months: €256.20 rate · balance €17,056.20After 7 months: €298.90 rate · balance €17,098.90After 8 months: €341.60 rate · balance €17,141.60After 9 months: €384.30 rate · balance €17,184.30After 10 months: €427.00 rate · balance €17,227After 11 months: €469.70 rate · balance €17,269.70After 12 months: €512.40 rate · balance €17,312.40After 13 months: €556.40 rate · balance €17,356.40After 14 months: €600.40 rate · balance €17,400.40After 15 months: €644.41 rate · balance €17,444.41After 16 months: €688.41 rate · balance €17,488.41After 17 months: €732.41 rate · balance €17,532.41After 18 months: €776.41 rate · balance €17,576.41After 19 months: €820.42 rate · balance €17,620.42After 20 months: €864.42 rate · balance €17,664.42After 21 months: €908.42 rate · balance €17,708.42After 22 months: €952.42 rate · balance €17,752.42After 23 months: €996.43 rate · balance €17,796.43After 24 months: €1,040.43 rate · balance €17,840.43After 25 months: €1,085.77 rate · balance €17,885.77After 26 months: €1,131.12 rate · balance €17,931.12After 27 months: €1,176.46 rate · balance €17,976.46After 28 months: €1,221.81 rate · balance €18,021.81After 29 months: €1,267.15 rate · balance €18,067.15After 30 months: €1,312.50 rate · balance €18,112.50After 31 months: €1,357.84 rate · balance €18,157.84After 32 months: €1,403.18 rate · balance €18,203.18After 33 months: €1,448.53 rate · balance €18,248.53After 34 months: €1,493.87 rate · balance €18,293.87After 35 months: €1,539.22 rate · balance €18,339.22After 36 months: €1,584.56 rate · balance €18,384.56After 37 months: €1,631.29 rate · balance €18,431.29After 38 months: €1,678.02 rate · balance €18,478.02After 39 months: €1,724.74 rate · balance €18,524.74After 40 months: €1,771.47 rate · balance €18,571.47After 41 months: €1,818.20 rate · balance €18,618.20After 42 months: €1,864.93 rate · balance €18,664.93After 43 months: €1,911.65 rate · balance €18,711.65After 44 months: €1,958.38 rate · balance €18,758.38After 45 months: €2,005.11 rate · balance €18,805.11After 46 months: €2,051.84 rate · balance €18,851.84After 47 months: €2,098.56 rate · balance €18,898.56After 48 months: €2,145.29 rate · balance €18,945.29
Per year
AfterInterest up to thenBalance
1 year€512€17,312
2 years€1,040€17,840
3 years€1,585€18,385
4 years€2,145€18,945

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

From
Rate
Until
15 Sep 20263.05%current
2 Sep 20263.10%15 Sep 2026

All historic rates of Klarna Bank →All savings products of Klarna Bank →

  • 15 Sep 2026Klarna Bank – Termijndeposito (48 mo): 3.10% → 3.05%
  • 2 Sep 2026New: Klarna Bank – Termijndeposito (48 mo) 3.10%

Rate checked on 18 Sep 2026.