Live offers across tracked providers in Sweden — updated daily from the Giraffy database.
20 live offers compared from 20 providers, from 2.75% AER. Updated daily.
2.75% AER
Traditionellt sparkonto från Handelsbanken med kontorssupport över hela Sverige.
2.85% AER
SEB-sparkonto med konkurrenskraftig rörlig ränta och digital förvaltning.
2.90% AER
Sparande med direktåtkomst från Swedbank — bra ränta med full likviditet.
3% AER
3% AER
Sparkonto från Nordea med konkurrenskraftiga räntor och ingen bindningstid.
3.10% AER
3.20% AER
3.25% AER
3.25% AER
Sparkonto från Nordnet — Sveriges näst största onlinemäklare. Konkurrenskraftiga priser.
3.40% AER
3.40% AER
3.50% AER
3.50% AER
3.50% AER
Högavkastande sparande från Avanza — Sveriges populäraste sparplattform. Bästa räntorna för ISK-konton.
3.60% AER
3.75% AER
3.75% AER
Högavkastande sparande från Landshypotek Bank — genomgående en av SE:s bästa sparräntor.
Price on request
Price on request
Price on request
A savings account (sparkonto) holds cash you can access freely while earning interest at a variable rate (rörlig ränta). Unlike a fixed deposit, there is no lock-in, so it suits your emergency fund and short-term savings. Rates on the Giraffy panel range from about 2.75% to 3.75%, with challenger banks typically paying the most.
Rates are variable and can change when market conditions move, so the leading account today may not lead tomorrow. Because the money is free to move, many savers chase the best rate and switch when a better one appears. Niche and challenger banks often sit at the top of the tables because they compete aggressively for deposits, while the large established banks tend to pay less on instant-access balances.
Full flexibility — Withdraw or move money whenever you need it, with no fixed term.
Competitive challenger rates — Specialist banks frequently pay well above the big incumbents.
Simple and low-risk — No market exposure; your balance only grows with interest.
Compare the variable rate, but check the deposit protection carefully. Some challenger banks operating in Sweden are covered by another EU country's guarantee scheme (up to the EU minimum of 100,000 EUR) rather than the Swedish insättningsgarantin, which changes the protected amount and the currency of protection. Also check for any restrictions on the number of free withdrawals, minimum or maximum balances, and whether the top rate is introductory.
The panel features challenger and specialist banks such as Ikano Bank, Saldo Bank, Multitude Bank, Collector Bank SE, Moank, Marginalen Bank, bunq Sverige and Lunar Sverige. Several of these are app-first and pass strong rates to savers, but their protection scheme and home regulator vary, so it is worth confirming the details before depositing.
Sparkonto accounts are normally free to open and hold, and you earn the variable rate, currently roughly 2.75% to 3.75%. The main watch-outs are not fees but rate changes over time and any caps on how much of your balance earns the headline rate.
Banks are supervised by Finansinspektionen. Swedish-licensed banks provide the insättningsgarantin up to 1,050,000 SEK per person per institution via Riksgälden. Challenger banks passported from another EU state may instead rely on that country's scheme, typically up to 100,000 EUR, so always verify which guarantee applies to your chosen account. Consumer protection sits with Konsumentverket.
Can the rate change? — Yes, sparkonto rates are variable and adjust with market conditions.
Is my money always protected up to 1,050,000 SEK? — Only with Swedish-scheme banks; some challengers use another EU scheme up to 100,000 EUR, so check before depositing.
Why do challenger banks pay more? — They compete hard for deposits to fund their lending, often beating the large incumbents.
Giraffy tracks 5 savings accounts across Handelsbanken,SEB,Swedbank,Wise Sverige,Nordea providers in Sweden. Sort by highest rate and filter by account type (easy access vs. fixed) to find the best deal for your timeline.
Yes — Riksgälden covers up to SEK 1,050,000 per person, per bank. Always confirm your institution is Finansinspektionen-regulated before depositing. If your balance exceeds the protection limit, spread funds across multiple separately-licensed banks.
p.a. (per annum) is the standardised rate that accounts for how often interest is compounded over a year. It's the fairest number to compare across accounts — always compare like-for-like using p.a. rather than the gross or monthly rate.
Easy access accounts let you withdraw your money at any time — rates are variable and may change. Fixed-rate bonds or term deposits lock your money away for a set period (usually 1–5 years) at a guaranteed rate, which is typically higher. Choose fixed if you don't need the funds before the term ends.
Tax on savings interest varies by country and income level. Check your country's tax authority guidance or speak to a financial adviser if your interest income is significant.
Yes — and it can be a smart strategy. Spreading savings across banks maximises your deposit protection (up to SEK 1,050,000 via Riksgälden per institution) and lets you earn the best rate at each bank. Just keep track of all accounts to avoid losing money to dormancy fees.
Most easy access accounts transfer funds to a linked current account within one working day, and many process withdrawals the same day. Some accounts restrict the number of free withdrawals per month — check the terms before you open one if flexibility matters to you.