Personal savings accounts
Our personal savings accounts help you reach your financial goals faster, whether you are building up a financial buffer or saving for something special.
- Government deposit guarantee scheme
- Savings accounts with flexible or fixed terms
- Open an account quickly and securely using BankID
Compare our savings accounts
A savings account is a simple and secure way to grow your money. You deposit your savings and earn interest, which is the return you receive for keeping your funds with us. At the same time, you maintain access to your money according to the account terms, whether you prefer flexible savings or a fixed-term deposit.
Opening and depositing funds into our savings accounts is free of charge. You can choose to save with full access to your funds through an easy-access account, or lock in your savings for a fixed period to potentially benefit from a higher interest rate. Please note that early withdrawals from fixed-term savings may be subject to a fee.
Flexible Savings Account
Variable interest rate
2.00%
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Free deposits: Yes
Free withdrawals: Yes
Minimum deposit amount: No
Account opening fee: No
3-Month Fixed Term Account
Fixed interest rate
2.70%
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Deposits: Only one deposit per Fixed Term Account
Withdrawals: Not permitted during the fixed term. Early withdrawal is subject to a fee of 1% of the withdrawn amount (minimum SEK 1,000)
Minimum deposit amount: SEK 50,000
Account opening fee: No
6-Month Fixed Term Account
Fixed interest rate
2.85%
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Deposits: Only one deposit per Fixed Term Account
Withdrawals: Not permitted during the fixed term. Early withdrawal is subject to a fee of 1% of the withdrawn amount (minimum SEK 1,000)
Minimum deposit amount: SEK 50,000
Account opening fee: No
12-Month Fixed Term Account
Fixed interest rate
2.95%
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Deposits: Only one deposit per Fixed Term Account
Withdrawals: Not permitted during the fixed term. Early withdrawal is subject to a fee of 1% of the withdrawn amount (minimum SEK 1,000)
Minimum deposit amount: SEK 50,000
Account opening fee: No
Personal Savings Account
Underaged Person’s Savings Account
Savings Accounts for Non-Residents
Savings Account with a Legal Representative
Benefits of saving with Aros Kapital
No fees
No set-up fee or annual charge.
Personal support
Would you like to learn more about our savings accounts, or do you need help with your account? No problem. Contact our dedicated customer service team for personal assistance.
Digital customer portal
Manage your account, track your savings, and monitor your balance online, anytime via your computer or mobile device.
Secure savings protected by the government deposit guarantee scheme
- Your account is covered by the Swedish National Debt Office’s deposit guarantee scheme.
- Each customer is entitled to compensation for their total account balance with Aros Kapital, up to a maximum of SEK 1,150,000.
- The deposit guarantee means that you are eligible for compensation from the state up to a specified amount if the bank or institution holding your funds becomes insolvent. The Swedish Financial Supervisory Authority may also decide to activate the deposit guarantee.
- Read more about the Swedish deposit guarantee scheme here.
Right of Withdrawal
As a consumer, you have the right to withdraw from the agreement within fourteen (14) days from the date on which the agreement was entered into. If you exercise your right of withdrawal, the savings account will be closed and the deposited funds will be transferred to your nominated withdrawal account without any withdrawal fee. No interest will be paid on deposited funds if the right of withdrawal is exercised.
You may exercise your right of withdrawal by logging in to the customer portal and clicking the “Exercise Right of Withdrawal” button, or by contacting Aros Kapital by phone at +46 31 83 36 79, by email at spar@aroskapital.se, through the customer portal on our website, or by post to:
Aros Kapital AB
Vestagatan 6
416 64 Gothenburg
Sweden
Tax on Your Savings
The interest earned on your savings account is taxed as capital income (typically at a rate of 30%). Tax information is reported automatically to the Swedish Tax Agency, making the process simple for you, as the relevant information is pre-filled in your tax return.
About us
Aros Kapital is a credit market company that provides financing solutions for businesses, including business loans and factoring, as well as savings accounts for companies, associations, and private individuals. Our mission is to create simple, secure, and flexible solutions for both financing and savings.
Contact Us
Need to get in touch with our customer support team? Give us a call or send us an email and we will be happy to help.
Telephone: 031-83 36 70
Email: spar@aroskapital.se
Address: Aros Kapital AB, Vestagatan 6, 416 64 Gothenburg
Opening hours: Monday–Friday 09:00–16:00, closed for lunch 12:00–13:00
Is there any charge to open a savings account with Aros Kapital?
No, there is no fee to open a savings account or to deposit funds with us.
What is a Flexible Savings Account (Likvidkonto)?
A Flexible Savings Account (Likvidkonto) is a savings account with a variable interest rate and no fixed-term. It allows free deposits and withdrawals at any time. The interest rate is variable and may change from time to time.
What happens when my fixed-term savings account matures?
When your fixed term ends, your balance (including any accrued interest) is automatically transferred to a Flexible Savings Account. If you do not already hold a Flexible Savings Account, one will be opened automatically at maturity. You may then reinvest your funds by opening a new fixed-term savings account and transferring the funds via the customer portal. Alternatively, you may withdraw your balance, including interest, by selecting “Withdrawal”. The funds will be transferred to your registered withdrawal account. Your funds will not be automatically reinvested.
Are my savings covered by the government deposit guarantee?
Yes. Your deposits are protected under the Swedish deposit guarantee scheme up to SEK 1,150,000 per customer. Further information about the government deposit guarantee scheme is available here.
Can two individuals open a joint account?
No. We do not currently offer joint accounts.
Can I deposit funds in euros or other currencies?
No. We currently only accept deposits in SEK.
When will I receive interest on my savings?
Interest on fixed-term savings is paid at maturity. Interest on a Flexible Savings Account is paid annually at year-end, or upon account closure.
What happens if the account holder dies?
The account holder’s next of kin or authorised representative should contact Aros Kapital at spar@aroskapital.se or +46 (0)31 83 36 70.
Why does my withdrawal account need to be verified?
We are required to verify that the nominated withdrawal account is held in your name before payments can be made. This is a security measure to protect your funds.