Saving with fixed interest – that promises Klarna with his Fixed deposit+ account.
The Swedish financial service provider, known for his payment services, has also established itself as a bank in recent years. Especially that Fixed deposit+ make above -average interest and one high deposit protection attentive.
But how good is the offer really?
Klarna Festive deposit+: Current interest at an overview
Who looking for Fixed and attractive interest rates is, could with Klarna fixed deposit+ Found.
The Swedish financial service provider offers for various terms Above average interest ratesthat can be seen primarily in the current interest rate environment.
Depending on the investment time, there are at Klarna up to 2.74 % interest per year (as of January 2025).
Particularly exciting: already off 1 euro You can get in, so that smaller savings amounts also benefit from the fixed deposit interest.
At the same time, however, a larger sum of up to 500,000 euros Create safely.
| Duration | Interest per year |
|---|---|
| 3 months | 2.40 % |
| 6 months | 2.28 % |
| 12 months | 2.55 % |
| 18 months | 2.58 % |
| 24 months | 2.68 % |
| 36 months | 2.74 % |
| 48 months | 2.67 % |
Important to know: the Interest is credited annuallySo there is no compound interest effect.
In addition, the fixed deposit account is only through the Klarna app Available and requires a Klarna current account as a reference account.
Deposit protection: How safe is the money at Klarna?
Security is at the top when investing – and of course that also applies to that Fixed deposit+ from Klarna.
But how safe is your savings really?
Statutory deposit insurance in Sweden
Klarna is one Swedish bank and is therefore subject Swedish deposit protection (“Riksgälden”). That means:
- Up to 100,000 euros per person are legally secured.
- The payment takes place within seven working daysif there is bankruptcy.
- The deposit guarantee will in euros paid – so there is no exchange rate risk.
Klarna fixed deposit+ in the test (Image: Appshunter.io, Unsplash)
How safe is Sweden as a location?
Sweden is considered one of the most stable financial locations in Europe.
That can also be seen in the Top ratings of the big rating agencies:
| Rating agency | Rating Sweden |
|---|---|
| S&P | AAA |
| Fitt | AAA |
| Moody’s | AAA |
This makes Sweden among the finest countries worldwide and offers one very high security for deposits.
The combination of statutory deposit guaranteeone Strong financial location and the Stable Klarna Bank Makes the fixed deposit+ into one very safe investment. If you want to park your money risk -free for a fixed period, you can get here Reliable protection and guaranteed repayment leave.
Open fixed deposits at Klarna: This is how it works
The Fixed deposit+ from Klarna offers attractive interest and safe investment.
But how exactly does the opening work?
1. Download and register Klarna app
Since the fixed deposit+ exclusively through the Klarna app is managed, you need the app on your smartphone. If you don’t have a Klarna account yet, you must first register.
2. Open Klarna checking account as a reference account
To use the fixed deposit+, you need a Klarna checking account as a reference account. All deposits and withdrawals run over it. If you already have a Klarna account, you can start directly with the fixed deposit.
3. Set up a fixed deposit account
In the app you navigate to the area “Save” and choose there “Fixed deposit+”. Then set the following parameters:
- Investment amount: At least € 1, a maximum of € 500,000
- Duration: Between 3 and 48 months
- Interest rate: Depending on the chosen term
4. Confirm identity
The statutory identity examination is carried out via the Klarna app via video identification. Keep your ID card or passport ready.
5. Enter money and secure interest
As soon as the account is set up, transfer the desired investment amount from the Klarna checking account to the fixed-term deposit account. The interest is guaranteed throughout the term.
6. Interest received and paying out at the end of the term
The interest rates become December 31 of a year or paid out at the end of the term. After that, the entire amount is automatically booked back to the Klarna checking account – one There is no automatic extension.
Conclusion: Is the Klarna fixed deposit+worth it?
The Fixed deposit+ from Klarna convinced with attractive interestone flexible runtime selection and one high deposit security. Especially for investors who have one manageable term between 3 and 48 months The offer is interesting and want to benefit from fixed interest rates.
A Big plus point Is the low Minimum investment of only 1 euroso that everyone – whether small saver or large investor – can use the account. Also the Settlement protection up to 100,000 euros per customer Due to the Swedish deposit guarantee fund, high security ensures.
However, there are some restrictions: the fixed deposit account can Only through the Klarna app To be managed, classic online banking is not possible. There is also a Klarna checking account as a reference account mandatorywhich can be an additional effort for some users. Another point: the Interest is paid annually or only at the end of the termWhat does that mean none Compound effect arises.
Who is Klarna fixed money+ suitable for?
✔ For savers who are looking for attractive interest rates with a short to medium term
✔ For investors who do not need high start -up capital
✔ For users who already have a Klarna account or want to open one
Who is it less suitable for?
✖ For everyone who would rather manage their fixed deposit without an additional checking account
✖ For investors who want to use compound interest effects
✖ For people who prefer to work via a classic online banking system
The Klarna Festive deposit+ is a solid option for everyone who wants to put on your money safely and do not want to do without attractive interest rates. If you have no problem with the Klarna app and the necessary checking account, you will receive an uncomplicated and yield -high fixed deposit offer with a high level of security.