Up to 2,93% interest¹ on your savings
Put your money to work in a safe place.
Representative interest earnings.
Open a savings account with our highest interest rate
Choose the savings rate and term that suit you best. There are no account management fees, and all deposits are covered by the Swedish deposit guarantee scheme.²
Lock in your rate
Choose a term and rate that works for you, sign up in the Klarna app and start saving.
3 months | 1,61% per year |
6 months | 1,95% per year |
9 months | 2,01% per year |
12 months | 2,50% per year |
18 months | 2,62% per year |
24 months | 2,72% per year |
36 months | 2,84% per year |
48 months | 2,93% per year |
How it works
Open bank account
Set up fixed account
Earn interest on your savings
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.
Stay on the safe side
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 1 150 000 kr are protected by the Swedish deposit guarantee scheme.
Frequently asked questions
Have questions about savings accounts? Find the answers below. For more help or troubleshooting, contact customer service.
A Klarna fixed-term account is a savings account that you can open directly in the Klarna app. Save for a set period at a fixed interest rate and make deposits at any time. You can also choose a flex account where interest is calculated daily, paid monthly, and you can withdraw your money whenever you want.
To open a fixed-term account, you'll first need to set up a bank account in the Klarna app. Easily add money to your bank account using your debit card or a bank transfer. Bank transfers usually take 1–3 working days. Once there's money in your bank account, you can open a fixed-term account. Choose the term that suits you and transfer the amount you want to save to your new fixed-term account.
To open a flex or fixed-term savings account, your bank account must be active. These accounts are always linked to your bank account.
There are no fees for fixed accounts. Not for the sign-up and no monthly fees either.
After the term has ended, the original deposit amount together with any accrued interest is sent back to your bank account. 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 up to 1,150,000 kr
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're here for you 24/7 via chat in the Klarna app. You can also call Klarna customer service during our opening hours.