Live offers across tracked providers in Sweden — updated daily from the Giraffy database.
20 live offers compared from 20 providers, from 3.20% brutto. Updated daily.
3.20% brutto
Tidsbegränsat sparande från Swedbank med bunden ränta i 6 eller 12 månader.
3.30% brutto
Fastränteinsättning från Ikano Bank — enkel digital installation, garanterad avkastning.
3.40% brutto
12 månaders fast insättning från Nordea med garanterad ränta.
3.50% brutto
Räntesparande från Skandia med konkurrenskraftiga 12 eller 24 månaders löptid.
3.60% brutto
Konkurrenskraftigt sparande med fast ränta från Saldo Bank med avkastning över genomsnittet.
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A fixed deposit (fasträntekonto or bunden inlåning) is a savings account where you lock a sum away for a set term, commonly one to five years, in exchange for a guaranteed interest rate (ränta). Because you commit not to withdraw before maturity, banks usually pay more than on an instant-access account. Rates on the Giraffy panel currently sit between about 3.2% and 3.6%.
You choose a term and the rate is fixed for its full length, so your return is known from day one regardless of what happens to market rates. In return the money is locked: early access is typically not permitted, or carries a penalty, until the term ends. This makes fixed deposits suited to money you are certain you will not need in the short run, such as an emergency buffer you already have covered elsewhere or funds earmarked for a future purchase.
Higher, guaranteed rate — Committing to a term generally earns more than a variable-rate sparkonto.
Rate certainty — Your ränta is locked, so falling market rates do not reduce your return.
Simplicity — No market risk and no decisions to make until maturity.
Match the term to when you will actually need the money, since you cannot easily withdraw early. Compare the fixed rate across providers, but also confirm the deposit protection scheme that covers the account. If you think rates may rise, a shorter term keeps you flexible; if you want to lock in today's level, a longer term does that. Consider laddering several terms so some money matures each year.
The panel spans large banks and specialists including Handelsbanken, SEB, Nordea, Nordnet, Avanza, Skandia, Ikano Bank and Saldo Bank. Established banks offer the reassurance of scale, while savings-focused and challenger names often lead on the headline rate for a given term.
Fixed-deposit accounts generally carry no direct fee; you earn the quoted rate, currently around 3.2% to 3.6%, over the term. The real cost is opportunity cost and lost flexibility: your money is tied up, and breaking the term early may forfeit interest or trigger a penalty where early withdrawal is allowed at all.
Banks offering deposits are supervised by Finansinspektionen, and eligible deposits are covered by the Swedish deposit guarantee, insättningsgarantin, administered by Riksgälden up to 1,050,000 SEK per person per institution. Always confirm the provider participates in this scheme before locking funds away.
Can I withdraw before maturity? — Usually not, or only with a penalty; fixed deposits are meant to be held for the full term.
Why is the rate higher than my savings account? — Because you give up access for a fixed period, the bank rewards that commitment.
Is my money protected? — Yes, up to 1,050,000 SEK per person per institution under insättningsgarantin, provided the bank is covered.
Giraffy tracks 5 fixed-rate deposit accounts across Swedbank,Ikano Bank,Nordea,Skandia,Saldo Bank banks in Sweden. Sort by highest rate and compare term lengths to see which account suits your timeline.
A fixed-rate deposit (also called a fixed-term bond or term deposit) locks your money away for a set period — typically 3 months to 5 years — in exchange for a guaranteed interest rate. You agree the rate upfront, so rising or falling market rates don't change your return.
Yes — Riksgälden covers up to SEK 1,050,000 per person, per bank. Fixed deposits at Finansinspektionen-regulated institutions are typically among the lowest-risk savings options available. Rates are guaranteed; your principal and interest are protected up to the scheme limit.
Most fixed deposits penalise early withdrawal — typically forfeiting 30–180 days of interest, depending on the institution and term length. Some accounts don't allow withdrawal at all before maturity. Check the early-exit penalty before locking in a large sum.
Fixed deposits pay a higher rate in exchange for locking your money away for a defined term. Easy-access accounts let you withdraw any time but pay a lower variable rate. If you have a cash lump sum you won't need for 6–24 months, a fixed deposit typically earns more.
At maturity, most banks automatically roll your deposit into a new term at the prevailing rate — which may be higher or lower than your original deal. Set a diary reminder to review and re-compare rates before auto-renewal if you want to ensure you get the best rate available.
Fixed deposit rates are closely linked to the central bank's benchmark rate. When Finansinspektionen raises rates, banks tend to offer higher deposit returns — and vice versa. Comparing regularly helps you catch rate rises before banks reduce their offers.