Earn interest with Klarna savings accounts¹
Grow your money in a flexible or fixed-term savings account with up to 2,93% interest. No minimum deposits, just smarter saving.
Benefits of saving with Klarna
Flexible saving
Fixed-term saving
Track your savings
Flexible savings account | Interest rate |
1,55% per year | |
Flexible savings account with Plus membership | 1,65% per year |
Flexible savings account with Premium membership | 1,75% per year |
Flexible savings account with Max membership | 2,05% per year |
Fixed-term savings account | Interest rate |
3 months | 1,61% per year |
6 months | 1,81% per year |
9 months | 2,01% per year |
12 months | 2,45% 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 |
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ㅤKlarna Membership is available for a monthly fee. Cancel at any time in the Klarna app. Exclusions, terms, and limitations apply to membership benefits. Klarna Membership terms and conditions apply.
Save money on your terms
No monthly fees
No minimum deposits
Earn up to 2,93% interest
Lock in your rate
Stay flexible
Your money is in safe hands
Get started for free
1. Go to the app
2. Add money quickly
3. Choose a savings account
Flexible or fixed, you choose.
Need flexibility and instant access? Choose a flex account. Want to earn more? A fixed-term account gives you our best savings rate.
Benefits | Flex account | Fixed-term account |
No monthly fees | ✓ | ✓ |
No minimum amount | ✓ | ✓ |
Deposit or withdraw whenever you like | ✓ | ✗ |
Interest rate type | Variable | Fixed |
Interest paid | Monthly | Annually / at the end of the term |
A safe place for your money
Klarna is a licensed Swedish bank. Your money is handled under the highest bank security standards, with multiple layers of protection.
Built-in security for your data
Your money is protected up to SEK 1 150 000²
Secure logins and fraud protection give you peace of mind
Frequently asked questions
Have questions about savings accounts? Find the answers here. Contact customer service for more help.
A savings account keeps your money safe while earning interest to help it grow over time. Our savings accounts let you earn interest with no minimum deposit or monthly fees. Klarna offers a flex account and a fixed account. Deposit or withdraw money from a flex account at any time, with no fixed term or withdrawal fees. Deposit money in a fixed account for a set period at a fixed interest rate that won't change. Klarna's fixed account offers our highest interest rate.
- Government deposit guarantees keep your money safe at the bank up to a certain amount in most countries, including Sweden
- A separate savings account makes it easier to set money aside and avoid spending it
- A savings account gives you an organised place to grow money for a holiday, car, or emergency fund
- Unlike investments that can rise and fall in value, savings grow as you earn interest.
To open a savings account, you need a bank account. Open the Klarna app and go to the Wallet tab to set up your bank account. Add money to your bank account using your debit card or by bank transfer. This usually takes 1 to 3 business days. Once you have money in your bank account, open a savings account.
You need an active bank account to open a flex or fixed account. These accounts are always linked to your bank account.
No. Both flex and fixed accounts are free to open, with no monthly fees.
No. You do not need a minimum deposit to open a flex or fixed account or start earning interest.
Deposit and withdraw money from a flex account at any time, with no withdrawal fees.
Money in a fixed account stays locked until your chosen term ends.
We're here for you 24/7 via chat in the Klarna app. You can also call Klarna customer serviceduring our business hours.