Fixed account
Up to 2,29% AER¹ on your savings
Earn interest on your money in a fixed account with a term that works for you.
Open savings account:
¹ Interest rates subject to change. 48 month fixed account required.
Open a savings account with our highest interest rate
Lock in up to 2,29% fixed rate with no account management fees. Plus, all deposits are covered by the the Swedish deposit guarantee scheme.²
² 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 (about 100,000 €) 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
.The amount of compensation payable will be determined by the prevailing exchange rate at the time that the payment is made. By way of example, the amount of compensation that would be paid today equates to approximately 100,000 € but this figure may fluctuate over time.
Lock in your rate
Choose a term and rate that works for you, sign up in the Klarna App and start saving.
3 months | 1,84% AER per year |
6 months | 1,89% AER per year |
9 months | 2,03% AER per year |
12 months | 2,11% AER per year |
18 months | 2,11% AER per year |
24 months | 2,13% AER per year |
36 months | 2,20% AER per year |
48 months | 2,29% AER per year |
How it works
In the Klarna app you can open your account in minutes and manage your money safely.
Open Klarna balance
In the app, head to the 'Wallet' tab. There you can set up your Klarna balance.
Set up fixed account
In your balance, navigate to 'Savings' to open a new savings account. There you can choose a fixed account.
Let your interest grow
Choose a savings account with rate and terms that work for you and start saving.
Save at your own pace
We don't charge account management or withdrawal fees, and there's no minimum deposit. You choose the term that works for you, when that term's done, you get your deposit plus the interest it's earned.
Join other savers who've already locked in their guaranteed rate
7
Saving options available
+40m
Klarna app users
100,000 €²
What your account is insured is up to
Stay on the safe side
With Klarna, you can rest assured that your data and your money are protected.
Reach our customer service anytime in the Klarna app.
Your deposits up to 1,050,000 SEK are protected by the Swedish deposit guarantee scheme.
Frequently asked questions
Questions on the fixed account? Find your answers below. For any further help or trouble-shooting, please contact customer support.
The Klarna fixed account is a fixed term savings account you can set up in the Klarna app. You can save money for a set period of time at a fixed interest rate, receive interest on your savings and manage your deposit any time.
Klarna Bank AB (publ), trading as Klarna, is authorised/licensed or registered by the Swedish Financial Supervisory Authority (Finansinspektionen) in Sweden and is regulated by the Central Bank of Ireland for conduct of business rules.
Please find our business terms here:
To open a fixed rate savings account, you first need to sign up for a
in the Klarna app. Transfer funds to your balance seamlessly using your debit card or via bank transfer. This usually takes 1 to 3 working days. As soon as you have funds in your Klarna balance, you can set up the fixed account. Choose the term length that works for you, and transfer the savings amount into your new fixed account.To open a fixed account, you need your Klarna balance set up. The fixed accounts are always linked to your
.Yes, the fixed account is a free savings account. There are no monthly fees or sign-up fees.
After the term has ended, the original deposit amount together with any accrued interest is sent back to your Klarna balance. At the same time, the fixed savings account is automatically closed.
Competitive fixed interest rates
Lock in your rate with no surprises from rate fluctuations
No monthly fees and no minimum deposit
Easy and fully digital application with no paperwork
Manage savings and interest easily via the Klarna app
Your account is insured is up to 1,050,000 SEK²
If the fixed term is less than 12 months, interest is paid out once the term has matured. If the fixed term is greater than 12 months, interest is paid out annually, and at the end of the term.
We offer 24/7 customer care. Contact
anytime via chat in the app, or request a callback during business days.Start saving with Klarna
Open a Klarna fixed savings account in minutes through the app, with no sign-up fees or minimum deposits. Earn competitive interest while keeping your money safe.
Open fixed account: