Not yet – but it’s a feature we’re working on. Soon, you’ll be able to set up automatic recurring transfers directly to your savings account.

That’s not something we offer at the moment. All Zaver savings accounts are personal and linked to one individual.

When the interest rate changes, you’ll receive a notification in the app and the web portal.

It depends on which account you have:

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Zaver Flex and Premium – has a variable interest rate. This means the rate can change over time. When we adjust the rate, the new rate applies from the day the change takes effect.

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Zaver Fix – has a fixed rate. The rate is locked for the entire term and won’t change even if market rates do. When your term ends, you’ll get the current rate if you choose to renew or open a new Fix account.

To qualify for the waitlist, you need to hold a total savings balance of at least SEK 100,000. The selection process is, however, not based solely on your balance or how long you’ve been a Zaver customer. Decisions are made at Zaver’s discretion, guided by our deposit strategy and an overall assessment of the company’s current liquidity and business needs. If you're offered a spot, you'll receive an invitation via the in-app chat, sms or by email.

Zaver Premium is an exclusive savings account with a higher interest rate and limited availability. It works like a Zaver Flex account – with free deposits, free withdrawals, and no fees.

When you become a new savings customer, a Flex account is automatically created for you.

When your fixed term ends, your balance and earned interest are transferred there. From your Flex account, you can withdraw your money anytime.

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When opening a Zaver Fix account, you can choose to enable automatic renewal.

This means that once the term expires, your balance will automatically be reinvested for the same duration at the interest rate applicable at the time of renewal.

You can change your automatic renewal preference at any time in your account settings. If automatic renewal is turned off, the account will close at the end of the term and your balance will automatically be transferred to a Zaver Flex account with a variable interest rate.

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Zaver is a registered trademark. The brand, and the service it represents, are owned and provided by Frink AB (Reg. No. 559059-8420). Therefore, you’ll find our savings accounts listed under Frink AB at the Swedish National Debt Office (Riksgälden), not under Zaver.

If a deposit causes your total balance to exceed SEK 1,050,000, the exceeding amount will automatically be refunded to your primary withdrawal account. Refunds are typically processed within one business day.

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Automatic deposits are made via direct debit (autogiro), set up when you link your bank account.

Your first deposit may take 1–3 business days to appear in your account.

Once the direct debit mandate is active, future deposits are usually processed faster – often the next business day.

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Withdrawals are typically processed within one business day.

Depending on your bank and the time of day the request is made, it may take up to three business days for the funds to reach your account.

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To withdraw money, you first need to link at least one bank account. This is a security measure to protect you from fraud and ensure that all withdrawals go to a verified account in your name.

Zaver Flex has free withdrawals and deposits. No fees or waiting times apply.For Zaver Fix, withdrawals are only possible once the pre-determined lock-in period has expired. When it ends, your savings and earned interest are automatically transferred to your Flex account, unless you’ve enabled automatic renewal of your fixed term.

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.

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.

For Zaver Flex (and Premium), interest is paid on the 1st of every month. Any applicable taxes are deducted directly from your account.



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For Zaver Fix, interest is paid when the term ends.


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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.

You can save up to SEK 1,050,000 across all your savings accounts. Any amount above this threshold will not earn interest and may be returned to your linked bank account.

Zaver offers three types of accounts:
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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.

Absolutely. All savings accounts with Zaver are covered by the Swedish state insurance guarantee (up to SEK 1,050,000 per person and institute). Any funds exceeding that limit won’t earn interest and may be transferred back to your linked bank account.

You can open up to 20 different savings accounts, so feel free to set up separate goals for different savings needs.

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.

Of course! Get in touch and we will send you a final invoice.

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.



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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.

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.

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.

Yes, if the merchant where you are going to make your purchase uses Zaver as a payment service provider.

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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