About this deal
Most people know Klarna for buy-now-pay-later, but the same app also offers Festgeld, a fixed-term deposit. The pitch is simple: you agree a term, your rate is guaranteed for that whole period, and unlike a flexible Tagesgeld account it will not quietly drop if the market turns. You know from day one exactly what your money will earn by the time the term ends.
That fixed certainty is the whole point of Festgeld. It suits money you have a plan for but do not need right now, say cash set aside for a purchase in a year or two. Because the rate is locked, Festgeld usually pays more than an instant-access account as a reward for parting with flexibility. Deposits are covered by the EU deposit guarantee scheme up to 100,000 euros, and everything is set up and tracked inside the Klarna app.
Best for
- Savers who want a guaranteed rate that will not move for the whole term
- People with money they can comfortably lock away for a set period
- Klarna users who like managing savings in an app they already have
One honest caveat: locked means locked. With Festgeld you generally cannot dip into the money before the term ends, so it is the wrong home for your emergency fund. Keep an easy-access cushion elsewhere first, then commit only the surplus you are sure you will not need until the term is up.
What you get
- Fixed guaranteed rate
- EU deposit protection
- Managed in the app
- Several terms
How to get this deal
- Click the button below to go to the official Klarna website.
- Check the current terms and eligibility directly on the provider’s page.
- Complete the sign-up or order there — the offer is applied on the provider’s site.