Klarna Savings

Swedish fintech now offering savings with 1.75% interest. Same app you might use for shopping, now with savings rates.

Best for: Digital, High Interest, Klarna Users

Standard rate

2.20% a year

With Klarna Plus

2.30% · Flex rate with the Plus membership (€7.99 a month, first month free). Klarna Core (€1.99 a month) pays the same 2.20% as the free plan. · Not re-confirmed since 5 October 2026.

With Klarna Premium

2.40% · Flex rate with the Premium membership (€17.99 a month); a metal-card fee applies if you cancel within six months. · Not re-confirmed since 5 October 2026.

With Klarna Max

2.70% · Flex rate with the Max membership (€44.99 a month); a metal-card fee applies if you cancel within six months. · Not re-confirmed since 5 October 2026.

Fixed terms and notice accounts from Klarna

Separate products: more interest for money you can’t take out when you want.

Klarna Vaste rekening, 3 months

1.84% · Fixed for the term, no minimum, no fees, the same rate on every membership. The money is available only at the end of the term. · Not re-confirmed since 5 October 2026.

Klarna Vaste rekening, 6 months

2.59% · Fixed for the term, no minimum, no fees, the same rate on every membership. The money is available only at the end of the term. · Not re-confirmed since 5 October 2026.

Klarna Vaste rekening, 9 months

2.46% · Fixed for the term, no minimum, no fees, the same rate on every membership. The money is available only at the end of the term. · Not re-confirmed since 5 October 2026.

Klarna Vaste rekening, 12 months

3.00% · Fixed for the term, no minimum, no fees, the same rate on every membership. The money is available only at the end of the term. · Not re-confirmed since 5 October 2026.

Klarna Vaste rekening, 18 months

3.11% · Fixed for the term, no minimum, no fees, the same rate on every membership. The money is available only at the end of the term. · Not re-confirmed since 5 October 2026.

Klarna Vaste rekening, 2 years

3.15% · Fixed for the term, no minimum, no fees, the same rate on every membership. The money is available only at the end of the term. · Not re-confirmed since 5 October 2026.

Klarna Vaste rekening, 3 years

3.19% · Fixed for the term, no minimum, no fees, the same rate on every membership. The money is available only at the end of the term. · Not re-confirmed since 5 October 2026.

Klarna Vaste rekening, 4 years

3.24% · Fixed for the term, no minimum, no fees, the same rate on every membership. The money is available only at the end of the term. · Not re-confirmed since 5 October 2026.

Rates other than the standard rate checked on Klarna’s own pages on 5 October 2026: source 1, source 2. They change often; check the provider before you open an account.

Minimum deposit

None required

Maximum deposit

No limit

Withdrawal access

Instant accessNot re-confirmed since 4 October 2026: check with the provider before you apply.

What it is

savings accountNot re-confirmed since 4 October 2026: check with the provider before you apply.

Deposit protection

Covered, under the Swedish deposit guarantee scheme (Riksgälden). Up to SEK 1,150,000 (about €100,000) per person.Not re-confirmed since 4 October 2026: check with the provider before you apply.

BSN

Not stated by Klarna.

Who can open it

Needs a Klarna bank account; 18 or older.Not re-confirmed since 4 October 2026: check with the provider before you apply.

The deposit guarantee follows the bank’s licence, not where you live: up to €100,000 per person per bank, under the scheme of the country that licensed it.