Klarna savings accounts
Grow your money with interest
Save money your way with our flexible and fixed savings accounts. No minimum deposits, no account management fees, and up to 2,29% AER.¹
Open savings account:
¹ 48 month fixed account required. Flex account interest rates subject to change.
Benefits of saving with Klarna
Flexible savings
Add and withdraw money anytime—no lock-ins, no withdrawal fees. Perfect for building an emergency safety net or saving for something you want.
Fixed-term savings
Start saving for long term goals and earn higher interest on a fixed term account. Choose a rate and term that works for you and lock in a fixed rate.
Track your growth
Watch your interest grow daily, right in the Klarna app. Get a clear view of your balance, goals, and how close you are to hitting them.
Enjoy competitive interest rates
Choose the best savings account for you, with a term and rate that fit your needs, and start saving with Klarna.
Flex | 1,75% AER per year |
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 |
Save your way
Grow your money and reach your savings goals with Klarna. Open a savings account to earn monthly interest.
No monthly fees
Put your money to work with flexible and fixed savings options, with no monthly fees. Simply pick the savings account that works for you and start your savings journey.
No minimum deposits
Build up your money at your own pace. There's no minimum deposit, whether you're setting aside a little each week or locking in an amount for a fixed period.
Earn up to 2,29% interest
Manage your savings separately from your everyday expenses and watch them grow over time with interest.
Lock in your rate
Want a savings account with higher interest rate? Start saving for a set time in a fixed account.
Stay flexible
Split your savings into up to three flex accounts, each dedicated to a different goal. From big plans to small treats, you’re free to add or withdraw anytime.
Your money is insured
Rest assured your money is insured up to 1,050,000 SEK². All deposits are covered by the Swedish government deposit guarantee.
² Account covered by the Swedish deposit guarantee scheme. Max. compensation per customer: SEK 1,050,000. National Debt Office makes compensation available within 7 business days from the date a right to compensation accrues. Read more
.Get started for free
Start saving in 3 simple steps.
Go to the app
Open the Klarna app and select the 'Wallet' tab to set up your Klarna balance.
Add money fast
Transfer funds to your balance seamlessly using your debit card or via bank transfer.
Set up your account
From your balance, you can move money into the savings account of your choice.
Flexible or fixed? It's your choice.
Need an instant-access savings account with flexibility? Go with flex. Want to earn more? Klarna's fixed savings account offers our highest interest rates.
Benefits | Flex | Fixed |
No account management fees | ✓ | ✓ |
No minimum amount | ✓ | ✓ |
Add/withdraw anytime | ✓ | ✗ |
Interest type | Variable | Fixed |
Payout frequency | Monthly | Yearly / term end |
A secure place to park 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
Insured up to SEK 1,050,000
Secure logins and fraud protection
Frequently asked questions
Questions on savings accounts? Find your answers below. For any further help or trouble-shooting, 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 account lets you earn interest with no minimum deposit and no account management fees.
Klarna offers two types of savings accounts: flexible savings accounts and fixed term savings accounts.
With a flex account, you can add or withdraw money anytime, with no lock-in periods or withdrawal fees.
With a fixed account, you deposit money for a set period of time at a fixed interest rate, which remains unchanged during the term. Klarna fixed account offers our highest interest rates.
Your money is kept safe in the bank. In most countries (including Ireland), 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 Klarna balance. Open the Klarna app and select the 'Wallet' tab to set up your balance. Transfer money to your balance 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 open a savings account.
To open a fixed account, you need your Klarna balance set up. The fixed accounts are always linked to your Klarna balance.
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 flex or fixed account or to start earning interest.
You can add and withdraw money in flex accounts whenever you want, without withdrawal fees.
Your money in fixed accounts is only accessible at the end of the term you chose.
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 savings account in minutes through the app, with no sign-up fees or minimum deposits. Earn competitive interest while keeping your money safe.
Open savings account: