Grow your money with interest¹
Save your way with our flexible and fixed-term savings accounts. No minimum deposits, no account management fees, and interest rates up to 3,24%.¹
Benefits of saving with Klarna
Flexible savings
Fixed-term savings
Track your growth
Flex 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 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 membership is a subscription with a monthly fee. Cancel anytime in the Klarna app. Exclusions, conditions, and restrictions apply to membership benefits. 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 insured
Get started for free
1. Open the app
2. Transfer money in moments
3. Set up your account
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 account | Fixed account |
|---|---|---|
No account management fees | ✓ | ✓ |
No minimum amount | ✓ | ✓ |
Add/withdraw anytime | ✓ | ✗ |
Interest 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 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, 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. Terms and conditions – bank account.
To open a fixed or flex 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. You do not need a minimum deposit to open a flex or fixed account or 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 service. Chat with Klarna customer service in the app at any time, or request a callback on working days.