Festgeld mobile new

Klarna Locked Savings is on sale.

For a limited time, get interest rates up to 1.50%.

Unlock high yield savings with Klarna Locked Savings.

Pretty nice interest rates.

Find a fixed term that works for you. Then lock in your money at a high interest rate.

Start saving simply.

Easy to sign-up. Easy to use. Easy to save. Oh, and no account management fees.

Lock it up safely.

Get deposit insurance up to 100,000€ or more* to save with certainty.

High returns with low effort.

Klarna Locked Savings offers maximum savings with minimal work.

  • Choose from several terms, set aside as little as €1 and up to 500,000 €, then start saving from the get-go.
  • Check your balance and manage your savings anywhere, anytime, from the Klarna app.
  • So, sit back and let your money work for you — you earned it.

Klarna Locked Savings terms that work for you.

Save on your terms and grow your money with these pretty nice interest rates.

Lock in for 6 months
0,15% yearly interest
Lock in for 12 months
1,05% yearly interest
Lock in for 24 months
1,30% yearly interest
Lock in for 36 months
1,40% yearly interest
Lock in for 48 months
1,50% yearly interest
*These rates apply to the Klarna in-app saving account, Festgeld+. Find out which savings account you have here.

Saving without straining.

Save your money while saving time and effort.

  1. Sign-up is simple: Open a Klarna Bank Account in minutes.
  2. Transfer money from an existing account.
  3. Add it to your Klarna Locked Savings account and start saving with a few taps.

There are no papers to print and sign. No long wait to verify your ID at the post office. And checking your savings balance is easy - just go to your Klarna app.

Your money is safe and secure.

Klarna Locked Savings offers some of the highest available interest rates without skimping on security:

  • Activate biometric log-ins for heightened security
  • Reach customer support anytime in the Klarna app
  • Deposits insured up to €100,000 or more* by the Swedish Deposit Guarantee Scheme

Your money and data are safe when you bank with us.

Your personal financial sidekick.

Your Klarna Locked Savings includes a Klarna Bank Account. This allows you to:

  • Move money instantly
  • Make online payments
  • See a real-time overview of your finances
  • Get 2 free ATM withdrawals a month

All that with no monthly running charges. It also makes managing your money effortless with intuitive controls for budgeting, analyzing, and tracking your spending. You're always on top of your finances and can build a surplus to stash in your Locked Savings account.

Already have a Klarna fixed-term savings account?

If you signed up for a savings account with Klarna before January 26, 2022, you likely have our legacy fixed-term savings account (Klarna Festgeld), which is only active for existing users. Opening a new account is currently not possible.

You can always reach out to us about this legacy product via our hotline or the email address listed in the contract confirmation you received by post.

Klarna Locked Savings (Klarna Festgeld+)Legacy fixed-term account (Klarna Festgeld)
Sign-upVia the Klarna AppVia an online form
Account managementVia the Klarna AppVia a customer hotline
ID verification processVia the Klarna AppIn person at your local post office
AmountFrom 1 € to 500,000 € Minimum 5000 €

Questions about Klarna Locked Savings?

Klarna Locked Savings.

Pretty nice interest rates.