Save with Klarna.

Klarna Festgeld is our legacy fixed-term savings account. It is available with web sign-up and customer service (hotline, email).
Klarna Locked Savings is our most recent savings offering integrated in the Klarna app.
The current daily interest rates for both accounts can be found above.

Klarna’s legacy fixed-term savings accounts can only be opened by mail-in registration. If you are a new customer, you must also confirm your identity at a Deutsche Post branch with Postident.

If you choose a Klarna Locked Savings account, you can open your account in the Klarna app. To do so, tap on the “Bank & Card” tab and start by opening a Klarna Bank Account. It takes only a few minutes to confirm your identity within the Klarna app. Finally add some funds to your Klarna Bank Account and then open a Klarna Locked Savings account.

You can check the status and timeline of Klarna Locked Savings at any time in the Klarna app without contacting customer service.

Postident is personal identification verification at the Deutsche Post and is mandatory for opening a savings account. It is required for the legacy fixed-term savings account. New Klarna Locked Savings holders can verify their identity in the Klarna app.

Klarna Locked Savings is only available with a Klarna Bank Account.
However our legacy fixed-term savings account (mail-in application, Postident) can be opened without a Klarna Bank Account.

There are no fees for opening or managing a Klarna Locked Savings or the legacy fixed-term savings account. There is also no charge for transfers from a reference account or deleting an account.

If you have a Klarna Festgeld+ account, the easiest way to submit your tax exemption order is with the Klarna app. You can find it in your Klarna Bank Account settings. You can also submit exemption orders using our PDF form. 

For Klarna Festgeld, taxes are not automatically deducted. As a depositor, you are obliged to report the capital gains to the German tax office and to pay taxes on them.

Please don't hesitate to contact our customer support team if you have more questions about tax exemption orders.

We want to highlight Festgeld+ as our latest savings account. It offers a seamless experience with full account visibility, ID verification, and customer support directly in the app.