Flexible savings account without monthly fees
Get 1,55% interest¹ on your money — no account fees, no minimum amount.
Representative interest earnings.
Compound interest every month
Save in up to three flex accounts and earn 1,55% interest on each balance.² Interest is calculated daily and paid out monthly.
How to open a savings account
Open bank account
Set up a flex account
Earn interest on your savings
Get extra interest with a membership
Apply for a membership³ in the app and get an even better rate on your savings, on top of our already competitive rates.
Lock in our highest rate
Looking for a savings account with a higher interest rate? With a Klarna fixed account you can get our best interest rate, with no account management fees or minimum deposits.
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
Questions about savings accounts? Find the answers here. For further help or troubleshooting, please contact customer service.
To create a flex account, you must first have a bank account set up. In the Klarna app, go to the Wallet tab and then click on Savings. Here you can find an overview of your flex accounts and create a new one. You can delete and recreate flex accounts at any time and as often as you want, but you can have a maximum of 3 at a time.
No, there are no monthly fees. On the contrary, you earn interest on your savings account.
Interest is calculated daily and paid out monthly to your flex account. So you benefit from the compound interest effect every month. The current interest rates are found in the app and you can see the accrued interest since the last payment.
No, there is no minimum amount to deposit when you open a flex account or to start earning interest.
You can have up to 3 flex accounts at a time. You can create and delete flex accounts any time and as often as you want.
Yes. You can add and withdraw money from flex accounts whenever you want, without withdrawal fees.
When you put money into a savings account, the bank pays you interest. If your account offers compound interest, you earn interest on your initial deposit, and that interest is added to your savings account. In the next period, you earn interest on both the original deposit and the previously earned interest. This cycle keeps repeating, which allows your savings to grow faster over time.
We're here for you 24/7 via chat in the Klarna app. You can also call Klarna customer serviceduring our business hours.