Saving that actually grows.
Good interest from the first krona. State deposit guarantee. Open an account in minutes.
How it works
Three steps to your savings account.
The whole process takes a few minutes. Everything happens directly in the browser with BankID — no paperwork, no waiting times.
- 01
Log in with BankID
Identify yourself with your BankID and fill in your contact details.
- 02
Choose savings account
Pick the type of account and accept the terms with your BankID.
- 03
Start saving
Done. You are now a customer of Moank and can deposit money into your savings account.
Savings accounts
Choose variable or fixed rate.
All with state deposit guarantee. Variable rate for flexibility, fixed for a higher yield on money you can leave untouched.
Savings account Flex
Save with a variable rate
No lock-in, no fees and state deposit guarantee.
- FlexNo minimum deposit2.30 %
- Flex PlusSEK 10,000 minimum deposit2.52 %
Savings account Fast
Save with a fixed rate
Attractive rates and state deposit guarantee. Withdrawal fee applies.
- Fast 90 daysSEK 10,000 minimum deposit2.60 %
A withdrawal fee of 2 % of the amount (minimum SEK 500) applies if the withdrawal is made before the end of the lock-in period.
To save with us you must be at least 18 years old, registered in Sweden, have BankID and a Swedish bank account.
Safe to save
Regulated and secured.
Moank AB is a credit market company licensed by the Swedish FSA. That means we are under the same supervision as banks — and that your deposits are protected by the state deposit guarantee.
Riksgälden covers your money up to the maximum amount — without you having to do anything.
We are supervised by the Swedish FSA and follow the same rulebook as Swedish banks.
Every login and every transaction is verified with BankID. No passwords that can leak.
Documents
Terms and product information.
Save the PDFs or print them before you open an account.
FAQ
What people ask us.
Is the money safe with Moank?
Yes. Moank AB is a credit market company supervised by the Swedish FSA. Your deposits are covered by the state deposit guarantee up to SEK 1,150,000 per person. The guarantee is administered by Riksgälden.
How long does it take to open an account?
About three minutes. You identify yourself with BankID, register a withdrawal account at your regular bank and accept the terms. Once the account is open you can start depositing immediately.
How do I withdraw money?
Log in with BankID and request a transfer to your registered withdrawal account. Withdrawals are free; there is no lock-in or notice period.
When is interest paid out?
Interest is calculated daily on the balance and paid out once per month directly to the savings account.
Do I need to declare the interest myself?
No. Moank reports interest income automatically to the Swedish Tax Agency — the pre-filled amount appears on your tax return.
What happens if Moank gets into trouble?
The deposit guarantee covers your money up to SEK 1,150,000 within seven working days of the FSA's decision. You don't need to apply — Riksgälden gets in touch.
It takes three minutes to get started.
Identify yourself with BankID, answer a few questions, done. You can start depositing right away.