Save and earn interest¹
Put your money to work with up to 3,24 % interest¹ in our Flex or fixed-term savings accounts. No minimum deposit, no account fees, just smarter saving.
Benefits of saving with Klarna
Flexible saving
Fixed-term savings
Track your growth
Flex savings account | Interest rate |
2,20 % annual interest | |
Flex account with a Plus membership | 2,30 % annual interest |
Flex account with a Premium membership | 2,40 % annual interest |
Flex account with a Max membership | 2,70 % annual interest |
Festgeld+ account | Interest rate |
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 |
Klarna memberships are available for a monthly fee and can be cancelled at any time in the Klarna app. Exclusions, terms, and restrictions apply to membership benefits such as Klarna member cashback. The Klarna membership terms and conditions apply.
Save smarter
No monthly fees
No minimum deposits
Earn up to 3,24 % interest¹
Lock in your rate
Stay flexible
Your money is safe with us
Get started for free
1. Open the app
2. Add money
3. Set up your savings account
Flexible or fixed-term, the choice is yours
Need flexibility and 24/7 access? Our Flex account is just right for you. Want to earn more interest and grow your savings? Our fixed-term savings accounts offer attractive interest rates.
Benefits | Flex account | Fixed-term account |
No fees | ✓ | ✓ |
No minimum amount | ✓ | ✓ |
Access your money at any time | ✓ | ✗ |
Interest type | Variable | Fixed |
Payout frequency | Monthly | Annually / at the end of the term |
A safe place for your money
Klarna is a licensed Swedish bank. Your money is handled under the highest bank security standards, with multiple layers of protection:
Built-in security for your data
Deposit protection up to EUR 100,000.²
Secure logins and effective fraud protection
Frequently asked questions
Have questions about Klarna savings accounts? We've got the answers. If you need more help or have any issues, please contact customer service.
A savings account keeps your money safe while earning interest to help it grow over time. Our savings accounts let you earn interest with no minimum deposit or monthly fees. Klarna offers a flex account and a fixed account. Deposit or withdraw money from a flex account at any time, with no fixed term or withdrawal fees. Deposit money in a fixed account for a set period at a fixed interest rate that won't change. Klarna's fixed account offers our highest interest rate.
Your money is kept safe in the bank. In most countries, banks are protected by government-backed guarantee schemes that cover your savings up to a certain amount.
Having a separate account just for savings makes it easier to set money aside and avoid spending it.
Whether you're saving for a holiday, a car, or an emergency fund, a savings account gives you one clear, organised place to put money aside for specific goals.
Unlike investments, which can rise and fall in value, the money in a savings account won't lose value and can grow by earning interest.
Compared with government savings products, which typically lock your money away for longer periods, a savings account usually gives you more flexible access, depending on the specific account you choose.
To open a savings account, you need a bank account. Open the Klarna app and go to the Wallet tab to set up your bank account. Add money to your bank account using your debit card or by bank transfer. This usually takes 1 to 3 business days. Once you have money in your bank account, open a savings account.
To open a Festgeld+ account, you need to have set up your bank account. Festgeld+ accounts are always linked to your bank account.
No. Both flex and fixed accounts are free to open, with no monthly fees.
No, there's no minimum deposit required to earn interest with a Flex or fixed-term savings account.
Deposit and withdraw money from a flex account at any time, with no withdrawal fees.
Money in a fixed account stays locked until your chosen term ends.
We offer 24/7 customer support. Contact customer service anytime via chat in the app, or request a callback on weekdays.