Up to 3,24% effective annual return¹ on your savings
Earn interest on your money with a fixed-term savings account. Choose a term that works for you.
Representative interest earnings.
Open a savings account with our highest interest rate
Lock in a fixed interest rate of up to 3,24% with no account management fees. Plus, all deposits are covered by the Swedish deposit guarantee scheme.²
Lock in your interest rate
Choose a fixed term that works for you, sign up in the Klarna app, and start saving.
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 |
How it works
Open bank account
Set up a fixed-term account
Earn more interest
Save when it suits you
There are no account management or withdrawal fees, and no minimum deposit. Choose a term that works for you. When it ends, you'll get your deposit back, plus the interest you've earned.
Safe and secure
Your data and your money are in safe hands with Klarna.
Our customer service team is always here to help through the Klarna app.
Your balance up to 1.150.000 SEK is covered by the Swedish deposit guarantee scheme.
Frequently asked questions
Find answers here. For more help or to resolve an issue, contact customer service.
A Klarna fixed-term savings account is a savings account you can open in the Klarna app. Save for a set period at a fixed interest rate, earn interest on your savings, and manage your deposit at any time.
To open a fixed-term savings account, you'll first need to set up a bank account in the Klarna app. Add money to your bank account using your debit card or a bank transfer. This usually takes one to three working days. Once the money is in your bank account you can open your fixed-term savings account. Choose a term that works for you and transfer your savings to your new fixed-term account. Terms and conditions – Klarna balance.
Before opening a fixed-term savings account, you'll need to have your bank account set up. Fixed-term savings accounts are always linked to your bank account.
Yes, the fixed-term savings account is free. There are no monthly fees or sign-up fees.
At the end of the term, your original deposit and any interest you've earned are paid back into your personal account. Your fixed-term account is automatically closed at the same time.
Competitive fixed interest rates
Lock in your interest rate and avoid surprises from rate changes
No monthly fees or minimum deposit
Easy, fully digital application with no paperworkManage your savings and interest easily in the Klarna app
Your account is insured up to €100.000
For terms shorter than 12 months, interest is paid at the end of the term. For terms longer than 12 months, interest is paid annually and at the end of the term.
Our customer service team is available 24/7. Contact Klarna customer service via the in-app chat, or request a callback on working days.