A flexible savings account with no monthly fees
Earn 2,20%¹ interest on your money — no management fees, no minimum amount.
Representative interest earnings.
Grow your money with compound interest
Whether you're saving for a holiday or a rainy day, set money aside in up to 3 flex accounts. Interest is paid monthly. Each monthly payment boosts your balance, helping your money grow faster thanks to compound interest.²
How to open a flex account
Open bank account
Set up a flex account
Grow your interest earnings
Boost your interest rate with a membership
Sign up for a membership³ through the app and earn extra interest on your savings, on top of our already attractive rates.
Lock in our highest interest rate
Looking for a savings account with a higher interest rate? Get our best rate with Klarna's fixed-term account, with no management fees or minimum deposits.
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
Got questions about the flex account? Find your answers here. If you need more help or have an issue, contact customer service.
To open a flex account, you first need to have a bank account set up. In the Klarna app, go to the wallet tab and tap savings. See all your flex accounts and open a new one. Delete and reopen flex accounts whenever you like, as often as you like, but you can only have 3 at a time. Terms and conditions – Klarna balance.
Yes, it's a free savings account. There are no monthly fees or sign-up fees.
We calculate interest daily and pay it into your flex account monthly, so you benefit from compound interest every month. Check the current interest rates in the app and see how much interest you've earned since your last interest payment.
No, there's no minimum deposit required to open a flex savings account or start earning interest.
You can have a maximum of 3 flex accounts at a time. You can open and delete flex accounts whenever you like, as often as you like.
Yes, it’s a great choice if you’re looking for an easy-access savings account. Add money to or withdraw money from your flex accounts at any time, with no withdrawal fees.
When you put money in a savings account, the bank pays you interest. If your account offers compound interest, you earn interest on your original deposit, and that interest is added to your personal account. In the next period, you earn interest on both your initial deposit and the interest you've already earned. This cycle keeps repeating, helping your savings grow faster.
We offer 24/7 customer service. Chat with Klarna customer service in the app at any time, or request a callback on working days.