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Save with Klarna.
Want the best rates? Follow app sign-up and get Klarna Locked Savings.
*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.
Open a Klarna Locked Savings account in the Klarna app to get our best rates. Or choose the classic fixed-term deposit account with mail-in form and Postident.
Save the way that suits you—without account management fees.
Klarna Locked Savings | Klarna fixed-term savings | |
Sign up | In the Klarna app | With an online application form |
ID verification process | In the Klarna app | In person at your local post office |
Account management | In the Klarna app | Via phone only (customer hotline) |
Customer support | Customer hotline or chat in the Klarna app | Via phone only (customer hotline) |
Amount | From 1 € - 500,000 € per account | From 5000 € - 500,000 € per account |
Lock in for 6 months | 2,16% yearly interest | 2,08% yearly interest |
Lock in for 12 months | 3,00% yearly interest | 2,92% yearly interest |
Lock in for 24 months | 3,16% yearly interest | 3,08% yearly interest |
Lock in for 36 months | 3,21% yearly interest | 3,13% yearly interest |
Lock in for 48 months | 3,26% yearly interest | 3,18% yearly interest |
Klarna offers two savings accounts, the Klarna Locked Savings (Festgeld+) account available in the Klarna app and the classic fixed-term savings account (Festgeld). To make your customer service experience the best, we have a bespoke customer service team for each type of account. You can find the contact information for each account type below.
Choose the option that works for you, lock in a great rate, and sit back and watch your money get to work.
Questions? Here come the answers.
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.
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.
Please 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.
*More information about the deposit guarantee scheme Klarna Locked Savings.
*More information about the deposit guarantee scheme Klarna fixed-deposit savings.
Choose your language and region
Klarna is available around the world with a variable offering, choose one that suits you best.
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