Government-backed protection up to SEK 1,150,000
How we calculated it
The result of this calculation should be viewed as an example only, not as a forecast or guarantee. We've used the current interest rate of - for Flex accounts in the calculator. The calculation does not take into account taxes, fees, inflation, or any withdrawals made during the period. If the interest rate changes during the savings period, the final amount will also change.
Zaver Fix Interest Rates
0
3 months
0
6 months
0
12 months
0
24 months
0
36 months
Government-backed protection up to SEK 1,150,000
Intelligent saving with interest rates up to
0
and monthly payouts that give you the power of
compound interest
Our savings accounts
Exclusive interest rates and monthly payouts.
Zaver Premium is our most exclusive savings account – available by invitation only. Open any other savings account and deposit at least SEK 100,000 to secure a spot on the waiting list.
Zaver Flex
-
Current rate
Variable interest
Free deposits and withdrawals
Monthly interest payouts
Deposit insurance up to SEK 1,150 ,000
No fees
Zaver Premium
-
Current rate
Limited access
Exclusive flex account with free deposits and withdrawals
Open any savings account and save at least 100,000 SEK to join the waiting list. Spots are limited, and being on the list doesn’t mean you will be offered Premium.
Fixed interest
Secure and predictable
Binding terms between 3 and 36 months
Deposit insurance up to SEK 1,150,000
No fees
More about Savings Accounts
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 1,150,000 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.
Coming soon
Meet Zia – Your financial AI assistant
We’re building the next generation of financial AI assistant – a partner that keeps track of your everyday finances when you don’t have the time, reminds you to renegotiate your mortgage rate when you forget, and might even give you a heads-up when housing prices in your area start to shift. Open a savings account today to be among the first to get access to Zia.
How much did I spend on eating out last month?
Peter, 10:34
+ 420 kr
+ 278 kr
+ 1 142 kr
+ 89 kr
+ 120 kr
+ 32 kr
Zia 13.45
Okay, thanks. Is my mortgage rate higher than the average?
Maria, 13.47
Can you send me a reminder before the fixed term on my mortgage expires?
Louise, 10:34
Zia, 13.00
Louise, 17.28
Full overview of your savings – right in the app
View your current interest rate
Track earned interest
Make deposits and withdrawals
Open new savings accounts instantly
Full overview of your savings – right in the app
View your current interest rate
Track earned interest
Make deposits and withdrawals
Open new savings accounts instantly
Deposit insurance scheme
Sleep easy. Your savings are protected by the Swedish insurance guarantee.
All our savings accounts are protected by the Swedish deposit insurance scheme. That means up to SEK 1,150,000*per person is automatically insured by the Swedish National Debt Office (Riksgälden).
Same solid protection you’d get at any big-name bank, just with a better experience.
Earn more with monthly interest payouts
Why wait a whole year for your interest? With us, you get it every month. That means you benefit from compound interest much faster.
While other banks wait until the end of the year to lock you in, we give you the advantage right from the start.
Watch your money grow
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Initial amount
1000
SEK
Monthly savings
50
SEK
Savings period
50
years
Get started
Take your savings to the next level
Saving should be easy. Here are our top tips to help you get started.
4.2
Our high rating on Trustpilot is proof that our customers see our services as reliable, easy to use, and helpful, just the way we want them to be.
"The TrustScore is based on customer reviews on Trustpilot."
*Last updated: 8 Dec 2025
FAQ
Got questions? We've got answers!
How do I open a savings account?
Opening a Zaver savings account only takes a few minutes. You can do it right here on our website or in the app. Just answer a few quick questions (required by law) and sign with BankID. That’s it – you’re ready to start saving.
How many savings accounts can I have with Zaver?
You can open up to 20 different savings accounts, so feel free to set up separate goals for different savings needs.
Is it safe to save with Zaver?
Absolutely. All savings accounts with Zaver are covered by the Swedish state insurance guarantee (up to SEK 1,150,000 per person and institute). Any funds exceeding that limit won’t earn interest and may be transferred back to your linked bank account.
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.
How much can I save with Zaver?
You can save up to SEK 1,150,000 across all your savings accounts. Any amount above this threshold will not earn interest and may be returned to your linked bank account.
When is interest paid out?
For Zaver Flex (and Premium), interest is paid on the 1st of every month. Any applicable taxes are deducted directly from your account.
For Zaver Fix, interest is paid when the term ends.
According to Swedish tax law, 30% preliminary tax is deducted from the interest when it is paid out. If the interest paid out during the year is less than SEK 100, no tax is deducted.
Who can open a Zaver savings account?
Anyone over the age of 18 who is registered as a resident in Sweden. Your personal details must be listed in the national registry. If you have a protected identity status, please contact us for help setting up your account.
How do I close a savings account?
To close your savings account, simply log in to the app with BankID and send us a message in the chat. We’ll handle the rest.
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 1,150,000 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.