What is the best Klarna savings rate?
The best Klarna savings rate is 2.9% AER on their 4 Year Fixed (48 month term).
Klarna Savings Accounts in Ireland - March 2026
Klarna offers 9 savings accounts in Ireland. Klarna offers competitive savings rates. Check deposit protection details on their website.
Summary
- Total accounts: 9
- Account types: Fixed Term, Instant Access
- Best rate: 2.9% AER (4 Year Fixed)
- Best instant access: 1.87% AER
- Deposit protection: EU Deposit Guarantee (€100,000)
- DIRT tax: Self-declare (33%)
- Data updated: Daily at 9am
Instant Access Accounts (1)
Withdraw anytime without penalty.
- 1.87% AER - Flexible Savings Account. No minimum
Fixed Term Deposits (8)
Lock your money for higher rates.
- 2.9% AER - 4 Year Fixed (48 months). No minimum
- 2.79% AER - 3 Year Fixed (36 months). No minimum
- 2.67% AER - 2 Year Fixed (24 months). No minimum
- 2.5% AER - 1 Year Fixed (12 months). No minimum
- 2.11% AER - 18 Month Fixed (18 months). No minimum
- 2.03% AER - 9 Month Fixed (9 months). No minimum
- 1.89% AER - 6 Month Fixed (6 months). No minimum
- 1.84% AER - 3 Month Fixed (3 months). No minimum
Frequently Asked Questions
Is my money safe with Klarna?
Yes, Klarna is regulated in the EU and deposits are protected by the relevant EU deposit guarantee scheme up to €100,000.
How is DIRT tax handled?
Klarna does not automatically deduct DIRT. As an EU-based provider, you must self-declare interest on your annual Irish tax return and pay the 33% DIRT yourself.
Can I access my money instantly?
Yes, Klarna offers 1 instant access account with rates up to 1.87% AER. You can withdraw anytime without notice or penalty.
How do I open a Klarna savings account?
Visit Klarna's website to start the application process.
Compare Other Providers
- AIB: https://smartsaver.ie/savings/provider/aib
- PTSB: https://smartsaver.ie/savings/provider/permanent-tsb
- State Savings: https://smartsaver.ie/savings/provider/state-savings
- Revolut: https://smartsaver.ie/savings/provider/revolut
- N26: https://smartsaver.ie/savings/provider/n26
- Bunq: https://smartsaver.ie/savings/provider/bunq
- Trade Republic: https://smartsaver.ie/savings/provider/trade-republic
- MoCo: https://smartsaver.ie/savings/provider/moco
- Monzo: https://smartsaver.ie/savings/provider/monzo
- Bank of Ireland: https://smartsaver.ie/savings/provider/bank-of-ireland
- Raisin: https://smartsaver.ie/savings/provider/raisin
More Information
- Compare all savings accounts: https://smartsaver.ie/savings
- Klarna website: https://www.klarna.com/ie/