Klarna savings accounts
Earn up to 2,74% AER ¹
Grow your money your way in our flexible and fixed savings accounts. No minimum deposits, no management fees—just returns.
Start saving with Klarna:
¹ Interest rates subject to change
Save your way
Flexible savings
Add and withdraw money anytime—no lock-ins, no withdrawal fees. Perfect for building an emergency safety net or saving for something you want.
Fixed-term savings
Start saving for a fixed term and earn higher interest—ideal for long-term goals like special purchases or growing money faster.
Track your growth
Watch your interest grow daily, right in the Klarna app. Get a clear view of your balance, goals, and how close you are to hitting them.
Enjoy competitive interest rates
Choose a term and rate that works for you, and start saving with Klarna.
Flex | 1,81% AER per year |
3 months | 2,00% AER per year |
6 months | 2,18% AER per year |
9 months | 2,20% AER per year |
12 months | 2,38% AER per year |
18 months | 2,51% AER per year |
24 months | 2,58% AER per year |
36 months | 2,64% AER per year |
48 months | 2,70% AER per year |
Stay organized, save smart
Keep your savings separate from everyday expenses, and watch them grow.
No monthly fees
Put your money to work with flexible and fixed savings options, with no monthly fees. Simply pick what works for you and start your savings journey.
No minimum deposits
Build up your money at your own pace. There's no minimum deposit, whether you're setting aside a little each week or locking in an amount for a fixed period.
Earn up to 2,70% interest
Manage your savings separately from your everyday expenses and watch them grow over time with up to 2,80% interest.
Lock in your rate
Want to earn higher interest rates? Start saving for a set time in a fixed account—perfect for bigger goals or maximizing growth.
Stay flexible
Organize your money effortlessly in up to three flex accounts, and add and withdraw funds anytime—handy for an emergency cushion or saving for something special.
Your money is insured
Rest assured your money is insured up to 1,050,000 ² SEK. All deposits are covered by the Swedish government deposit guarantee.
² Account covered by the Swedish deposit guarantee scheme. Max. compensation per customer: SEK 1,050,000. National Debt Office makes compensation available within 7 business days from the date a right to compensation accrues. Read more here.
³ The amount of compensation payable will be determined by the prevailing exchange rate at the time that the payment is made. By way of example, the amount of compensation that would be paid today equates to approximately 100,000 € but this figure may fluctuate over time.
Get started for free
Start saving in 3 simple steps—your money will thank you.
Go to the app
Open the Klarna app, head over to Wallet, and select Klarna balance.
Add money fast
Transfer funds seamlessly using your card or via bank transfer.
Pick your plan
Move money into a flexible or fixed account, and let the interest roll in.
Flexible or fixed? It's your choice.
Need flexibility and instant-access? Go with Flex. Want to earn more? Our fixed savings account offer the highest rates.
Benefits | Flex | Fixed |
No fees | ✓ | ✓ |
No minimum amount | ✓ | ✓ |
Add/withdraw anytime | ✓ | ✗ |
Interest type | Variable | Fixed |
Payout frequency | Monthly | Yearly / term end |
A secure place to park 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
Insured up to SEK 1,050,000²
Secure logins and fraud protection
Frequently asked questions
There are no fees for flex or fixed accounts. Not for the sign-up and no monthly fees either.
There is no minimum amount to deposit to open a flex or fixed account or to start earning interest.
You can add and withdraw money in flex accounts whenever you want, without fees.
Your money in fixed accounts is only accessible at the end of the term you chose.
To open a fixed or a flex account, you need Klarna balance. These accounts are always linked to your Klarna balance.
We offer 24/7 customer care. Contact us anytime via chat in the app, or request a callback during business days.
² Account covered by the Swedish deposit guarantee scheme. Max. compensation per customer: SEK 1,050,000. National Debt Office makes compensation available within 7 business days from the date a right to compensation accrues. Read more here.
³ The amount of compensation payable will be determined by the prevailing exchange rate at the time that the payment is made. By way of example, the amount of compensation that would be paid today equates to approximately 100,000 € but this figure may fluctuate over time.