Flexible savings account without fees
Get 2,20 % interest¹ on your money — no account fees, no minimum amount.
Representative interest earnings.
Automated savings, daily interest
Whether you’re saving for a dream vacation or a rainy day, open up to three Flex accounts and put your money aside securely². You’ll earn 2,20 % interest per year on the balance across all your Flex accounts. We calculate interest daily and pay it monthly.
How to open a savings account
Open a bank account
Open a Flex savings account
Earn interest on your money
Earn a higher interest rate with a membership
Sign up for a membership³ in the app to earn an even higher rate on your savings.
Get our highest interest rate
Looking for a savings account with a higher interest rate? With Klarna fixed-term deposit account+, you’ll get our best interest rate, with no administration fees and no minimum deposit.
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
Have questions about the Klarna Flex Account? We’ve got the answers. If you need more help or have any issues, please contact customer service.
Before you can open a Flex Account, you’ll need to set up your bank account. In the Klarna app, go to the “Wallet” tab and tap “Savings”. Here, you’ll see an overview of your Flex Accounts and can open a new one. You can close and reopen Flex Accounts whenever you like, but you can only have up to three open at the same time.
No, there are no fees. In fact, you’ll earn interest on your Flex Accounts.
Gross interest is calculated daily and paid into your Flex Account monthly, so you benefit from compound interest every month. You can find the latest interest rates in the app and see how much interest has accrued since your last payout.
There’s no minimum deposit required to earn interest.
Delete and open new Flex accounts whenever you like, with up to three open at a time.
Yes. You can deposit or withdraw money from your Flex Account at any time, with no fees.
Rituals are automated features designed to make saving easier. Open your Flex account’s information page to activate, deactivate, or edit Rituals. With the “Goal getter” Ritual, choose an amount to transfer weekly from your personal account to your Flex account. The “Round up” Ritual rounds each purchase up to the nearest euro and saves the difference in your Flex account. For example, if you spend €5.30, the Ritual rounds the amount up to €6 and transfers €0.70 to your Flex account.
We offer 24/7 customer support. Contact customer service anytime via chat in the app, or request a callback on weekdays.