Grow your money with interest¹
Save money your way with our flexible and fixed savings accounts. No minimum deposits, no account management fees, and up to 3,24% gross.¹
Benefits of saving with Klarna
Flexible savings
Fixed-term savings
Track your growth
Flex savings account | Interest rate |
|---|---|
2,20% per year | |
Flex with a Plus membership | 2,30% per year |
Flex with a Premium membership | 2,40% per year |
Flex with a Max membership | 2,70% per year |
Fixed-term savings account | Interest rate |
3 months | 1,84% per year |
6 months | 2,15% per year |
9 months | 2,46% 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 |
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Klarna memberships are available for a monthly fee and can be cancelled at any time in the Klarna app. Exclusions, terms, and restrictions apply to membership benefits such as Klarna member cashback. The Klarna membership terms and conditions apply.
Save your way
No monthly fees
No minimum deposits
Earn up to 3,24% interest
Lock in your rate
Stay flexible
Your money is secure
Get started for free
1. Go to the app
2. Add money fast
3. Set up your account
Flexible or fixed? It's your choice.
Need instant access to your savings? Choose a flexible savings account. Want to earn more? A Klarna fixed savings account offers our best rates.
Benefits | Flex savings account | Fixed savings account |
|---|---|---|
No account management fees | ✓ | ✓ |
No minimum amount | ✓ | ✓ |
Add or withdraw money at any time | ✓ | ✗ |
Interest rate type | Variable | Fixed |
Payout frequency | Monthly | Annually / at the end of the term |
A safe place for your money
Klarna is a licensed Swedish bank. Your funds are held to the highest banking security standards, with multiple layers of protection.
Built-in security for your money and data
Covered up to 1 150 000 SEK²
Secure logins and fraud protection
Frequently asked questions
Questions on savings accounts? Find your answers here. For any further help or troubleshooting, please contact customer service.
A savings account is a type of bank account where you keep money safe while also earning a little extra money, called interest, over time. Our savings accounts let you earn interest with no minimum deposit and no account management fees.
Klarna offers two types of savings accounts: flexible accounts and fixed-term accounts. With a savings account, you can add or withdraw money anytime, with no lock-in periods or withdrawal fees. With a fixed-term account, you deposit money for a set period at a fixed rate that stays the same for the whole term. The Klarna fixed-term account offers our best rates.
Your money is kept safe in the bank. In most countries, banks are protected by government guarantees and your savings are covered up to a certain amount.
Having a separate account just for savings makes it easier to set money aside and not spend it.
Whether you’re saving for a holiday, a car, or an emergency fund, a savings account gives you a clear, organized place to grow money for specific purposes.
Unlike investments that can go up and down in value, the money in a savings account won’t decrease, but actually grows with interest.
Compared to state savings, that are typically locked in for longer time periods, a savings account usually offer more flexibility with access depending on the specific account you choose.
To create a savings account you must have a bank account. Open the Klarna app and select the 'Accounts and cards' tab to set up your bank account. Transfer money to your bank account using your bank card or via bank transfer. This usually takes 1 to 3 working days. As soon as you have funds in your bank account you can open a savings account.
Want to open a fixed or flexible savings account? You need a bank account. These accounts are always linked to your bank account.
No, Klarna offers free savings accounts. There are no monthly fees and no fee for the sign-up.
No, there is no minimum amount to deposit to open a savings account or a fixed-term account, or to start earning interest.
You can add and withdraw money in savings accounts whenever you want, without withdrawal fees.
Funds in fixed-term accounts are only available at the end of the term you chose.
We offer 24/7 customer service. Contact Klarna anytime via chat in the app, or request a callback on business days.