{"id":732391,"date":"2026-06-09T18:35:15","date_gmt":"2026-06-09T15:35:15","guid":{"rendered":"https:\/\/buradabiliyorum.com\/en\/klarna-launches-3-28-us-savings-accounts-via-webbank\/"},"modified":"2026-06-09T18:35:15","modified_gmt":"2026-06-09T15:35:15","slug":"klarna-launches-3-28-us-savings-accounts-via-webbank","status":"publish","type":"post","link":"https:\/\/buradabiliyorum.com\/en\/klarna-launches-3-28-us-savings-accounts-via-webbank\/","title":{"rendered":"Klarna launches 3.28% US savings accounts via WebBank"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_85 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-6a3ed77917543\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #dd3333;color:#dd3333\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #dd3333;color:#dd3333\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-6a3ed77917543\" checked aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/buradabiliyorum.com\/en\/klarna-launches-3-28-us-savings-accounts-via-webbank\/#The_competitive_landscape\" >The competitive landscape<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/buradabiliyorum.com\/en\/klarna-launches-3-28-us-savings-accounts-via-webbank\/#Klarnas_financials\" >Klarna\u2019s financials<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/buradabiliyorum.com\/en\/klarna-launches-3-28-us-savings-accounts-via-webbank\/#What_this_does_not_change\" >What this does not change<\/a><\/li><\/ul><\/nav><\/div>\n<p><img decoding=\"async\" src=\"https:\/\/media.thenextweb.com\/2026\/04\/klarna-srt-lending-deal-stock-decline.avif\" \/><\/p>\n<div id=\"article-main-content\">\n<p>Klarna is launching high-yield savings accounts in the United States with an annual percentage yield starting at 3.28%. The accounts are FDIC-insured through a partnership with\u00a0WebBank\u00a0and are designed to let existing Klarna spending customers hold savings within the same platform.<\/p>\n<p>\u201c<em>The average American earns less than 0.5% on their savings, not because better options don\u2019t exist, but because their bank hasn\u2019t had to compete,<\/em>\u201d CEO Sebastian Siemiatkowski said in a statement.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"The_competitive_landscape\"><\/span>The competitive landscape<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The 3.28% rate is competitive but not market-leading. Marcus by Goldman Sachs currently pays 3.4%, and\u00a0SoFi Technologies\u00a0offers up to 3.8% for six months.<\/p>\n<p>Klarna\u2019s pitch is not the rate itself but the integration. The company wants users who already make purchases through its buy-now-pay-later service to consolidate their spending and saving in one <a href=\"https:\/\/buradabiliyorum.com\/en\/category\/download-scripts-themes-apps\/\" data-internallinksmanager029f6b8e52c=\"9\" title=\"Download Scripts &amp; Themes &amp; Apps\" target=\"_blank\" rel=\"noopener\">app<\/a>, the same flywheel strategy that\u00a0Revolut\u00a0and other neobanks have pursued in Europe.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Klarnas_financials\"><\/span>Klarna\u2019s financials<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"inarticle-wrapper channel-cta\">\n<div class=\"ica-text\">\n<p class=\"ica-text__title\">TNW City Coworking space &#8211; Where your best work happens<\/p>\n<p>A workspace designed for growth, collaboration, and endless networking opportunities in the heart of tech.<\/p>\n<\/div>\n<\/div>\n<p>Revenue in Q1 2026 rose to $1 billion, up 44% year on year, driven by rising interest income, growing debit card sign-ups, and fee income from partnerships. The company went public in 2025 after years of valuation volatility that saw it drop from a $46 billion peak to $6.7 billion before recovering.<\/p>\n<p>The savings product represents a strategic shift from lending to deposits. For Klarna, gathering deposits is cheaper than borrowing on wholesale markets to fund its loan book, and it creates a stickier relationship with customers who might otherwise use the app only for checkout.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_this_does_not_change\"><\/span>What this does not change<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Klarna is not a US bank. The savings accounts are offered through WebBank, a Utah-chartered FDIC-insured institution that serves as the bank-of-record for multiple fintechs. Klarna does not hold a US banking licence itself, and the regulatory structure means customer deposits are held at WebBank, not at Klarna.<\/p>\n<p>The 3.28% APY is a starting rate, not a guaranteed rate. It can change at any time. High-yield savings rates across the market are tied to the Federal Reserve\u2019s policy rate, and if the\u00a0Fed cuts rates, yields across the board will fall. Klarna has not disclosed minimum deposit requirements, maximum balances, or whether the rate applies to all balance tiers.<\/p>\n<p>The product is a logical next step for a company trying to move beyond buy-now-pay-later. Whether American consumers want their savings account and their instalment loan provider to be the same app is the\u00a0open question\u00a0Klarna is now testing.<\/p>\n<\/p><\/div>\n<blockquote><p><strong><span style=\"color: #ff6600;\">If you liked the article, do not forget to share it with your friends. Follow us on\u00a0<span style=\"color: #ff0000;\"><a style=\"color: #ff0000;\" href=\"https:\/\/news.google.com\/publications\/CAAqBwgKMN63nwsw68G3Aw\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">Google News<\/a><\/span>\u00a0too, click on the star and choose us from your favorites.<\/span><\/strong><\/p><\/blockquote>\n<blockquote>\n<p style=\"text-align: center;\"><strong>If you want to read more like this article, you can visit our <span style=\"color: #ff9900;\"><a style=\"color: #ff9900;\" href=\"https:\/\/buradabiliyorum.com\/en\/category\/technology\/\" target=\"_blank\" >Technology category.<\/a><\/span><\/strong><\/p>\n<\/blockquote>\n<p><span style=\"color: black;\"><a style=\"color: #ff9900;\" href=\"https:\/\/thenextweb.com\/news\/klarna-launches-us-savings-accounts-at-3-28-as-the-buy-now-pay-later-company-tries-to-become-a-bank\" target=\"_blank\" >Source<\/a><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Klarna is launching high-yield savings accounts in the United States with an annual percentage yield starting at 3.28%. The accounts are FDIC-insured through a partnership with\u00a0WebBank\u00a0and are designed to let existing Klarna spending customers hold savings within the same platform. \u201cThe average American earns less than 0.5% on their savings, not because better options don\u2019t&#8230;<\/p>\n","protected":false},"author":1,"featured_media":732392,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"fifu_image_url":"https:\/\/media.thenextweb.com\/2026\/04\/klarna-srt-lending-deal-stock-decline.avif","fifu_image_alt":"","footnotes":""},"categories":[18],"tags":[],"class_list":["post-732391","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-technology"],"_links":{"self":[{"href":"https:\/\/buradabiliyorum.com\/en\/wp-json\/wp\/v2\/posts\/732391","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/buradabiliyorum.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/buradabiliyorum.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/buradabiliyorum.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/buradabiliyorum.com\/en\/wp-json\/wp\/v2\/comments?post=732391"}],"version-history":[{"count":0,"href":"https:\/\/buradabiliyorum.com\/en\/wp-json\/wp\/v2\/posts\/732391\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/buradabiliyorum.com\/en\/wp-json\/wp\/v2\/media\/732392"}],"wp:attachment":[{"href":"https:\/\/buradabiliyorum.com\/en\/wp-json\/wp\/v2\/media?parent=732391"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/buradabiliyorum.com\/en\/wp-json\/wp\/v2\/categories?post=732391"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/buradabiliyorum.com\/en\/wp-json\/wp\/v2\/tags?post=732391"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}