Up to 3,24 % interest¹ on your savings
Grow your money in a safe place.
Representative interest earnings.
Open a savings account with our highest interest rate
Choose a term and interest rate that work for you, and lock in an attractive fixed rate. All deposits are protected under the Swedish deposit guarantee scheme² and we don't charge account management fees.
Lock in your interest rate
Choose the term and interest rate that suit you, log in to the Klarna app, and begin your savings journey.
3 months | 1,84 % annual interest |
6 months | 2,15 % annual interest |
9 months | 2,46 % annual interest |
12 months | 2,95 % annual interest |
18 months | 3,11 % annual interest |
24 months | 3,15 % annual interest |
36 months | 3,19 % annual interest |
48 months | 3,24 % annual interest |
How it works
Open a bank account
Open a fixed-term savings account
Let your interest grow
Save smarter
We don't charge account management or withdrawal fees, and there's no minimum deposit. You choose the term that works for you, when that term's done, you get your deposit plus the interest it's earned.
Stay on the safe side
You can rest assured that your data, and your money, are protected.
Reach our customer service anytime in the Klarna app.
Your deposits up to EUR 100,000 are protected under the Swedish deposit guarantee scheme.
Frequently asked questions
Got questions about fixed-term deposit account+? We’ve got answers. If you need more help or experience any issues, please contact customer service.
Fixed-term deposit account+ is a fixed-term savings account in the Klarna app. Deposit money for a set period at a fixed interest rate, earn interest on your savings, and manage your deposit at any time.
To open a fixed-term deposit account+, you first need to set up a bank account in the Klarna app. Simply add money to your bank account using your debit card or by bank transfer. This usually takes one to three business days. Once the money is in your bank account, you can set up your fixed-term deposit account+. Choose the term that suits you, and transfer the amount you want to save to your new fixed-term deposit account+.
To open a fixed-term deposit account+, you need to set up your bank account. Fixed-term deposit accounts+ are always linked to your bank account.
There are no fees for fixed-term deposit accounts+. There's no sign-up fee or monthly account fee.
For terms of up to and including one year, interest is paid at the end of the term. For terms longer than one year, interest is paid annually and at the end of the term.
At the end of the term, your original deposit and any accrued interest are transferred to your personal account. Your fixed-term deposit account+ is then closed automatically.
Older fixed-term deposit accounts can’t be converted into fixed-term deposit accounts+. But you can open a fixed-term deposit account+ in addition to your older fixed-term deposit account.
With fixed-term deposit account+, your interest rate is guaranteed, meaning it won’t change during your chosen term. So you’ll know in advance how much interest you’ll earn on your deposit. As Klarna is a Swedish credit institution, it is covered by the Swedish deposit guarantee scheme. Deposits of up to €100,000 per person across all of their accounts are protected by the Swedish deposit guarantee scheme.