Flexible savings accounts
Deposit or withdraw anytime
Save with full flexibility, add or withdraw funds whenever you like. There's no lock-in period.
Earn interest daily
Your savings earn interest every day, helping your money grow even faster over time.
Government deposit protection
Your savings are protected by the government guarantee, up to 1 150 000 kr.
Frequently asked questions
About Anyfin's savings account
What is the Anyfin savings account?
A simple, flexible savings account with daily interest, free withdrawals, and the government deposit guarantee. The rate is variable (nominal annual rate), interest is added to your balance every day, and you can take your money out whenever you want, with no fees and no fixed terms.
Who can open an account?
You can sign up if you're at least 18, have a Swedish personal identity number, are registered as a resident in Sweden, are tax resident in Sweden (and not exclusively somewhere else), and you're opening the account as a private individual.
Opening an account
How do I open an account?
You do it on the web in a few minutes: 1. Log in with BankID. 2. Answer a few questions about yourself, what you're saving for, and where the money comes from. 3. Accept the terms. You'll get a confirmation as soon as you're done, and the account shows up in your overview.
Why are you asking what I'm saving for and where the money comes from?
This is part of our "know your customer" work. All banks in Sweden have to understand how their services are used to prevent money laundering and terrorist financing. We use what you tell us to do a risk assessment, not for marketing. We typically ask things like why you're saving, roughly how much you plan to deposit, and where the money is coming from (salary, pension, sale of assets, and so on).
Interest and tax
How does the interest work?
The rate is variable and stated as an annual rate (APR). We calculate interest every day on your end-of-day balance using a 365-day base, and add it to your account daily. Because the interest becomes part of your balance the next day, you also get a compound interest effect, so your interest starts earning interest too.
What is the compound interest effect?
Compound interest means you earn interest on your deposits and on the interest you've already earned. A simple example: you deposit 100 000 SEK. After a while you've earned 2 000 SEK in interest, so your balance is 102 000 SEK. From that point on, the interest is calculated on the full 102 000 SEK, not just the original 100 000. The longer you let your savings sit, the more this effect adds up.
Can you change the rate?
Yes. The rate is variable, so we may raise or lower it depending on the market. If we lower it in a way that's clearly to your disadvantage, we'll notify you in advance, normally at least 14 days before the change takes effect.
How is the interest taxed?
Interest is taxable as capital income. We deduct 30 % preliminary tax when we post the interest, keep track of the total you've earned with us during the year, and report everything to the Swedish Tax Agency. The figures show up pre-printed on your tax return.
Deposits
How do I deposit money?
You deposit via Autogiro from your regular bank account. Connect your bank account, sign the Autogiro mandate, and start a deposit from the web app, and the money is then drawn automatically from your bank.
Is there a minimum or maximum?
The minimum balance is 100 SEK. The maximum is 1 150 000 SEK. Once you hit that, you can't deposit more, but the money you do have keeps earning interest. We've set this limit so your savings stay fully covered by the deposit guarantee.
Withdrawals
How do I withdraw?
You request a withdrawal in the web app: pick the amount, pick a verified bank account to send it to, and confirm. We do the rest.
The deposit guarantee and security
Is my money covered by the deposit guarantee?
Yes. Your savings are covered by the Swedish state deposit guarantee under the Deposit Guarantee Act, up to 1 150 000 SEK per person and institution. If something were to happen to Anyfin, the Swedish National Debt Office (Riksgälden) handles the compensation.
How do you protect my data and my account?
We use BankID for log-in and signing, encrypt sensitive data, restrict internal access so only employees with the right authorisation can see specific information, and continuously monitor systems and transactions for anything suspicious. If we suspect unauthorised access, we may temporarily lock the account and contact you.
Closing the account
How do I close my savings account?
The balance needs to be 0 SEK to close. Withdraw the full amount to your verified bank account, then get in touch with customer service and ask us to close it. If there's interest that hasn't been added yet, we'll do a final calculation (slutränta) before closing.
How do I get in touch?
You can reach us by chat or email from our website, or by phone during opening hours. Contact details are at anyfin.se.
Earn more. Save more.
Land
Borrowing costs money!
If you are unable to repay your debt on time, you risk receiving a payment remark. This can lead to difficulties in renting a home, signing contracts, and obtaining new loans. For support, contact the budget and debt counselling service in your municipality. Contact details are available at konsumentverket.se.
Anyfin AB, Drottninggatan 92, 111 36 Stockholm. Org. number: 559094-8005 © 2026 Anyfin AB is a credit market company and is under the supervision of Finansinspektionen. All rights reserved.
Representative example
A refinancing loan of 43 000 SEK at 13,65% nominal interest rate (variable) with a repayment period of 60 months, with 60 installments of 993 SEK, results in a total effective interest rate of 14,54%. The total repayment amount will be 59 565 SEK. The maximum amount that can be refinanced with Anyfin is 500 000 SEK. The loan term can be as short as 1 month and as long as 120 months, depending on the current term. The nominal interest rate can range from a minimum of 5,35% to a maximum of 19,90%. The effective interest rate can range from a minimum of 5,48% to a maximum of 21,82%.