Klarna savings rates 2026: savings account and fixed-term deposit
In October 2026 the interest rate of Klarna's savings account is 2.20% without a membership, and the fixed rates of the app's deposit account range from 1.84% (3 months) to 3.24% (48 months), with 2.95% for 12 months. Klarna has no Finnish branch, and the deposits are covered by the Swedish deposit guarantee.
Klarna savings accounts
| Account | Rate | Tiering | Withdrawals | Minimum | Rate can change | Fees |
|---|---|---|---|---|---|---|
| Klarna savings account | 2.20% | 2.20% without a membership; Flex Plus 2.30%, Flex Premium 2.40%, Flex Max 2.70% (paid memberships) | Money can be added and withdrawn at any time without withdrawal fees. | not available | Yes | No opening or monthly fees; memberships are paid. |
- Klarna savings account: Opened in the Klarna app; requires a Klarna bank account first. At most three savings accounts. Interest is calculated daily and paid monthly. Klarna's savings products are also available on Raisin at different rates (see Raisin).
Klarna fixed-term deposits
| Term | Rate | Minimum | Maximum | Early withdrawal |
|---|---|---|---|---|
| 3 months | 1.84% | not available | not available | Klarna's page does not say anything about early withdrawal. |
| 6 months | 2.15% | not available | not available | Klarna's page does not say anything about early withdrawal. |
| 9 months | 2.46% | not available | not available | Klarna's page does not say anything about early withdrawal. |
| 12 months | 2.95% | not available | not available | Klarna's page does not say anything about early withdrawal. |
| 18 months | 3.11% | not available | not available | Klarna's page does not say anything about early withdrawal. |
| 24 months | 3.15% | not available | not available | Klarna's page does not say anything about early withdrawal. |
| 36 months | 3.19% | not available | not available | Klarna's page does not say anything about early withdrawal. |
| 48 months | 3.24% | not available | not available | Klarna's page does not say anything about early withdrawal. |
- 3 months: Deposit account in the Klarna app; no minimum deposit.
- 12 months: For deposits under 12 months the interest is paid at the end, for longer ones annually and at the end.
Terms and opening an account
| Fact | Value |
|---|---|
| Head office | Sweden |
| Opening online as a new customer | Yes |
| Requires a current account or customer relationship | Yes |
| Information checked | 16 October 2026 |
Deposit guarantee and taxation
Swedish deposit guarantee (Riksgälden), up to 1,150,000 Swedish kronor per customer. Klarna Bank AB has no Finnish branch, so the Financial Stability Authority does not take part in the compensation process.
Withholding tax: no Finnish withholding tax, declare it yourself. Finnish withholding tax is not withheld, so you declare the interest yourself. Interest you declare yourself is capital income: 30% up to €30,000 and 34% on the part above that. Foreign tax under a tax treaty is credited in Finland against the tax that Finland imposes on the same income, but not more than the tax that would be payable in Finland on the income. If the source state has collected more than the tax treaty allows, the excess tax is not credited in Finnish taxation, and a refund is claimed from the source state. Read more in the guides deposit guarantee and tax on savings deposits.
Calculate the return
Enter the amount and the term in the savings rates calculator to see the gross interest, the tax and the net interest of Klarna compared with other providers. See all providers in the savings rates comparison.
See also
- Savings rates comparison
- Fixed-term deposits compared
- Savings account vs fixed-term deposit
- Raisin: how the platform works and what rates it offers
Similar savings rates
Sources
- Klarna: Klarnan säästötilitretrieved 16 October 2026
- Klarna: Säästötiliretrieved 16 October 2026
- Klarna: Talletustiliretrieved 16 October 2026
- Rahoitusvakausvirasto: Talletussuojajärjestelmän pankitretrieved 16 October 2026
Information checked 16 October 2026. Always check the current rate and terms with the provider.
Frequently asked questions
How much interest does Klarna pay on a savings account?
In October 2026 Klarna savings accounts and rates: Klarna savings account 2.20%. Note: no Finnish branch.
What is the fixed-term deposit rate at Klarna?
In October 2026 Klarna fixed-term deposit rates: 3 months 1.84%, 6 months 2.15%, 9 months 2.46%, 12 months 2.95%, 18 months 3.11%, 24 months 3.15%, 36 months 3.19% and 48 months 3.24%. The terms for early withdrawal vary, and they are shown in the table on the page.
Is a deposit at Klarna safe?
Swedish deposit guarantee (Riksgälden), up to 1,150,000 Swedish kronor per customer. Klarna Bank AB has no Finnish branch, so the Financial Stability Authority does not take part in the compensation process. The cover limit in the EU is €100,000 per depositor per bank.
Is withholding tax deducted from the deposit interest at Klarna?
No Finnish withholding tax, declare it yourself. Finnish withholding tax is not withheld, so you declare the interest yourself. Interest you declare yourself is capital income: 30% up to €30,000 and 34% on the part above that. Foreign tax under a tax treaty is credited in Finland against the tax that Finland imposes on the same income, but not more than the tax that would be payable in Finland on the income. If the source state has collected more than the tax treaty allows, the excess tax is not credited in Finnish taxation, and a refund is claimed from the source state.