Redefining financial convenience so you can pay on your terms and grow your savings effortlessly.
For Consumers
Pay. Save. Grow.
Pay now
Pay later
Pay over time
Transfer
2 300 kr
ZAVER
1h ago
You have a new invoice
We're here to keep it flexible
Pay now
Swoosh! No credit card needed – pay now and complete your transaction in seconds.
Pay later
Buy now and pay later. No catch. No fees. Just more flexible.
Pay over time
Buy what you want today and split the cost into smaller payments.
About us
Boss your finances
We don’t think buying a car should be harder than buying a ten-pack of socks – and saving for the future shouldn’t be complicated either. It’s in our DNA to be your partner when you want to plan smart and make decisions on your own terms, whether it's a purchase or a savings goal.
That’s why we exist: to give you the tools to take control, save securely, and pay flexibly. With the safety and freedom you expect.
Keep track of your payments
Get an overview of your purchases, track your savings, never miss a payment with timely reminders, and pay invoices in a snap with the Zaver App. Need assistance? Chat directly with our helpful support team!
Keep track of your payments
Get an overview of your purchases, track your savings, never miss a payment with timely reminders, and pay invoices in a snap with the Zaver App. Need assistance? Chat directly with our helpful support team!
Saving Accounts
Intelligent savings with interest rates up to -%
Save safely with government-backed protection up to SEK 1,050,000.
* Savings accounts are currently only available in Sweden.
Boost your savings with monthly interest payouts
Get value faster with monthly payouts. We think it’s fairer than holding on to your money unnecessarily.
Coming soon
Meet Zia, your money’s smartest ally
With Zia, you have your own personal AI assistant right in your pocket, ready to help you plan, save, and make smarter financial choices.
Zaver Precheck
Check your purchasing power
Want to know how much you can shop for, using our flexible payment methods "Pay Later" or "Pay over time", in advance? Download the app, check your eligibility and pay with confidence.
FAQ
Got questions? We've got answers!
Can’t find what you’re looking for? Contact us, and we’ll be happy to help. If you have a question about a payment, we recommend reaching out through the app.
Can I pay with Zaver?
Yes, if the merchant where you are going to make your purchase uses Zaver as a payment service provider.
To finance your purchase with installment payments or an invoice through Zaver, you must meet the following requirements:
- Be at least 18 years old
- Be a legal resident of your country
- Have no outstanding debts with debt collection agencies
- Have a stable income
- Not be undergoing debt restructuring
How much can I shop for if I “pay later” or “pay over time”?
Your spending power is an estimated amount based on factors such as credit, age, payment history and your outstanding balance.
You need to be at least 18 years old in order to use these payment methods.
Where can I get an overview of my payments?
With the Zaver app you’ll have everything in one place. You can scroll through past, present and future payments and be in total control of your transactions.
The amount of my purchase is greater than my bank's amount limit allows. What do I do?
For the fastest purchase completion, select 'Pay Later.' It’s entirely free if paid within the set timeframe. If needed, your bank can also assist in increasing your transaction limit.
How do you use my data?
It is essential that you feel safe when you pay with Zaver or use our services. All transactions are encrypted and we work continuously to prevent fraud, fake e-mails, and identity theft.
We also ensure that your payment information, purchase history and personal information are secure. How we use your personal information can be found in our privacy policy.
Can I pay off my installment plan early?
Of course! Get in touch and we will send you a final invoice.
What types of savings accounts do you offer?
Zaver offers three types of accounts:
Zaver Flex
A flexible savings account with a variable interest rate and no lock-in period. You can deposit and withdraw money whenever you like.
Zaver Fix
A fixed-term account with a guaranteed interest rate. Once your deposit is received, the term begins. Withdrawals are not possible until the agreed period ends.
Zaver Premium
An invite-only account that combines free deposits and withdrawals with an exclusive interest rate.
Zaver’s (Frink AB) savings accounts are covered by the Swedish deposit insurance in accordance with a decision by the Swedish National Debt Office (Riksgälden). Compensation is limited to SEK 1,050,000 per person and institution, and will be made available within seven (7) business days from the date the right to compensation has arisen. Read more at riksgalden.se.