Up to 3,24% interest¹ on your savings
Grow your money with a fixed-term account and choose how long you want to save for.
Interest rates shown are representative.
Grow your money with confidence
Choose the term and rate that suit you and enjoy a fixed interest rate with no account management fees. Plus, your deposits are covered by the Swedish deposit guarantee scheme.²
Lock in your rate
Choose a term that suits your needs, sign up in the Klarna app, and start saving.
3 months | 2,29% per year |
6 months | 2,42% per year |
9 months | 2,54% per year |
12 months | 2,95% per year |
18 months | 3,11% per year |
24 months | 3,15% per year |
36 months | 3,19% per year |
48 months | 3,24% per year |
How it works
Activate your bank account
Set up a fixed-term account
Let your interest grow
Save at your own pace
No management or withdrawal fees, and no minimum deposit required.
Choose the term that suits you. When it ends, you’ll get back your initial deposit plus the interest earned.
Your security comes first
Rest assured that Klarna protects your data and money.
Contact our customer service team anytime through the Klarna app.
Your deposits of up to 1 150 000 SEK are protected by the French Deposit Guarantee and Resolution Fund.
Frequently asked questions
Need answers? Find them here.
Have more questions or need help? Contact customer service.
Open a Klarna fixed-term savings account in the Klarna app and save for a set period. Earn interest at a guaranteed rate throughout the term, and view your account at any time.
First, open a bank account in the Klarna app. Transfer the amount you want to save from another bank account to your bank account. Allow 1 to 3 business days for the transfer. Once the funds are available in your bank account, choose the term and rate that suit you, then transfer the amount to your new fixed-term savings account.
No. First, activate your bank account to open a fixed-term savings account. Every fixed-term savings account is linked to this bank account.
Yes. The fixed-term savings account is free, with no monthly or opening fees.
When the term ends, we pay your initial deposit and the interest earned into your personal account. We then automatically close your fixed-term savings account.
Competitive fixed interest rates
A guaranteed rate with no surprises from market fluctuations
No monthly fees or minimum deposit
A simple, 100% digital application with no paperwork
Easily manage your savings and interest in the Klarna app
Your account is protected up to 100 000 €
If the account term is less than 12 months, interest is paid at maturity.
For terms longer than 12 months, interest is paid annually, and at maturity.
Our customer service team is available 24/7. Contact Klarna customer service anytime via in-app chat, or request a callback on business days.