Fixed-term savings.

Watch your money make money with easy web sign-up.

Invest now.

No account management fees.

Start saving with great rates and terms—and no account management fees.

Deposit protection up to 1.050.000 SEK.

Your deposit is protected under the Swedish state deposit insurance.*

Phone support only.

Fixed-term savings account is not available in the Klarna app. If you need the app overview, please sign up for:

*The account is covered by the Swedish deposit guarantee scheme in accordance with a decision by the Swedish National Debt Office. The maximum compensation to each customer is 1.050.000 SEK and the National Debt Office will make the compensation available for payment within 7 business days of the date the right to compensation commenced. Read more.

Our fixed-term interest rates.

Terms and rates that work for you.

Lock in for 6 months

2,08% yearly interest

Lock in for 12 months

2,92% yearly interest

Lock in for 24 months

3,08% yearly interest

Lock in for 36 months

3,13% yearly interest

Lock in for 48 months

3,18% yearly interest

5 easy steps to safe, secure investing.

Click “Open an account now” and fill out the online application form. The application can only be made online.

Print the PDF documents. We can also send the documents to you by post or email.
Check the accuracy of your information.
Sign both copies in the marked places on page 2, with the location and date.
Keep the customer copy for future reference.

Please send the other copy to the following address:
Klarna AB Einlagenservice, Postfach 17 65,
55387 Bingen

You can transfer the investment amount to the Klarna to start earning interest immediately:
IBAN: DE78100103000497143888
Enter your name and application number in the reference field.

If you are not yet a fixed-term deposit customer, you should verify your identity with the Postident procedure. Simply visit your nearest post office with your documents, passport with a residence certificate, or ID card.
If you are or were a fixed-term deposit customer, then you don’t need to do the PostIdent procedure. The documents can be sent directly to the above address.

You will receive an email confirming your successful account opening. Once we receive your deposit, we’ll send another email to you confirming receipt of the money.
Then, start earning your guaranteed interest!

Jetzt Festgeld anlegen.
Invest now.

Opening an account is quick and easy with mail-in application. No account management fees, and your deposits are insured.

Deposit protection for your fixed deposit.

Your deposits are insured by the state deposit insurance of the country where the bank is based. Klarna Bank AB (publ) is covered under this directive as a Swedish credit institution by the Swedish Individual Deposit Insurance Scheme. More information about the Swedish deposit insurance (in English) can be found here.

Have questions about saving with Klarna?

Call us

+49 (0) 6721 9101 837

Or write us an email


Open a savings account with Klarna!

Copyright © 2005-2023 Klarna Bank AB (publ). Headquarters: Stockholm, Sweden. All rights reserved. Klarna Bank AB (publ). Sveavägen 46, 111 34 Stockholm. Organization number: 556737-0431