{"id":4703,"date":"2015-05-30T18:44:43","date_gmt":"2015-05-30T16:44:43","guid":{"rendered":"https:\/\/financer.se\/?page_id=4703"},"modified":"2024-09-17T10:38:16","modified_gmt":"2024-09-17T08:38:16","slug":"sparkonto","status":"publish","type":"page","link":"https:\/\/financer.se\/spara\/sparkonto\/","title":{"rendered":"Sparkonto"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\" id=\"Sparkonto_med_bsta_sparrnta_fn_date_formatY\">Sparkonto med b\u00e4sta sparr\u00e4nta 2025<\/h2>\n\n\n\n<p>Vill du veta vilket sparkonto som har b\u00e4st r\u00e4nta och mest f\u00f6rdelaktiga villkor? H\u00e4r j\u00e4mf\u00f6r vi alla de b\u00e4sta sparkontona i Sverige f\u00f6r att du ska kunna f\u00e5 mer avkastning p\u00e5 dina sparade pengar.<\/p>\n\n\n\n<ul>\n<li>Sparkonto med l\u00e4gst r\u00e4nta 2025<\/li>\n\n\n\n<li>J\u00e4mf\u00f6r sparkonton med r\u00f6rlig eller fast bindningstid<\/li>\n\n\n\n<li>8 viktiga saker att t\u00e4nka p\u00e5 n\u00e4r du v\u00e4ljer sparkonto<\/li>\n<\/ul>\n\n\n                                    <div class='fn_block block_fn_msg_box cost search-hero--bg1'><h3>\u00c4ter h\u00f6ga m\u00e4klaravgifter upp vinsten p\u00e5 dina investeringar?<\/h3><p>Spara \u00f6ver 5000 kr per \u00e5r genom att v\u00e4lja r\u00e4tt aktiem\u00e4klare.<\/p><p class=\"has-text-left\"><a href='https:\/\/financer.se\/spara\/aktier\/' class='button is-normal is-primary is-rounded'>Se b\u00e4sta aktiem\u00e4klare<\/a><\/p><\/div><h2 class=\"comparison-table__title-main\">Sparkonton med h\u00f6gst r\u00e4nta 2025<\/h2>\n                                            <div class=\"comparison-table__binder\">\n                <div class=\"comparison-table__dots is-hidden-tablet\">\n                    <div class=\"comparison-table__dot comparison-table__dot--big\"><\/div>\n                    <div class=\"comparison-table__dot\"><\/div>\n                    <div class=\"comparison-table__dot\"><\/div>\n                <\/div>\n                <div class=\"comparison-table__relative \">\n                    <div class=\"comparison-table__scroll \">\n                        <table class=\"comparison-table \" js-data-comparison-table=\"\"\n                               js-data-affiliate-on-top=\"false\">\n                            <thead>\n                                <tr>\n                                    <th>\n                                        <span data-sorting=\"logo\"  data-sorting-type=\"asc\" class=\"comparison-table__title\">\n                                            F\u00f6retag                                        <\/span>\n                                    <\/th>\n                                    \n                                    <th> <span data-sorting=\"manual-data-point-1\" data-sorting-type=\"asc\" class=\"comparison-table__title\" title=\"R\u00f6rlig r\u00e4nta\">\n                    R\u00f6rlig r\u00e4nta<\/span><\/th><th> <span data-sorting=\"manual-data-point-2\" data-sorting-type=\"asc\" class=\"comparison-table__title\" title=\"Statlig ins\u00e4ttningsgaranti\">\n                    Statlig ins\u00e4ttningsgara&#8230;<\/span><\/th><th> <span data-sorting=\"manual-data-point-3\" data-sorting-type=\"asc\" class=\"comparison-table__title\" title=\"Fria ins\u00e4ttningar\/uttag\">\n                    Fria ins\u00e4ttningar\/uttag<\/span><\/th><th> <span data-sorting=\"manual-data-point-4\" data-sorting-type=\"asc\" class=\"comparison-table__title\" title=\"Fast r\u00e4nta\">\n                    Fast r\u00e4nta<\/span><\/th><th> <span data-sorting=\"manual-data-point-5\" data-sorting-type=\"asc\" class=\"comparison-table__title\" title=\"\u00d6vrigt\">\n                    \u00d6vrigt<\/span><\/th>                                    <th>\n                                        <span data-sorting=\"affiliate\" class=\"comparison-table__title comparison-table__title--button\">\n                                                                                    <\/span>\n                                    <\/th>\n                                <\/tr>\n                            <\/thead>\n                            <tbody>\n                                <tr class=\"comparison-table__row\"  data-columns=\"8\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Multitude Bank\"\n                data-product-id=\"69062\">\n                \n                <a target=\"_blank\"  data-url_param_unq=\"\"  data-url_param_pid=\"69062\"  rel=\"sponsored nofollow\"  href=\"https:\/\/financer.se\/foretag\/multitude-bank\/redirect\/\">\n                    <img decoding=\"async\" title=\"Multitude Bank\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/2\/logo-21.png\" alt=\"Multitude Bank\">\n                <\/a><\/td><td data-sorting=\"manual-data-point-1\" data-sorting-value=\"4,30 %\">\n                        <span class=\"comparison-table__text\">4,30 %<\/span><\/td><td data-sorting=\"manual-data-point-2\" data-sorting-value=\"Ja\">\n                        <span class=\"comparison-table__text\">Ja<\/span><\/td><td data-sorting=\"manual-data-point-3\" data-sorting-value=\"Ja\">\n                        <span class=\"comparison-table__text\">Ja<\/span><\/td><td data-sorting=\"manual-data-point-4\" data-sorting-value=\"4,00 % (12 m\u00e5n bindningstid)\">\n                        <span class=\"comparison-table__text\">4,00 % (12 m\u00e5n bindningstid)<\/span><\/td><td data-sorting=\"manual-data-point-5\" data-sorting-value=\"T\u00e4cks av ins\u00e4ttningsgarantin p\u00e5 Malta (upp till 100 000 euro)\">\n                        <span class=\"comparison-table__text\">T\u00e4cks av ins\u00e4ttningsgarantin p\u00e5 Malta (u&#8230;<span class=\"comparison-table__text-more\"> Visa mer<\/span><div class=\"comparison-table__text-full is-hidden\">\n                        <div class=\"comparison-table__text-full-corner\"><\/div>T\u00e4cks av ins\u00e4ttningsgarantin p\u00e5 Malta (upp till 100 000 euro)<span class=\"comparison-table__text-less\"> Visa mindre<\/span><\/div><\/span><\/td><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n            js-data-comparison-table-button=\"\"><a target=\"_blank\"  rel=\"sponsored nofollow\" \n            href=\"https:\/\/financer.se\/foretag\/multitude-bank\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"69062\" \n            class=\"button is-rounded is-primary is-arrow comparison-table__button\" target=\"_blank\" >\n            G\u00e5 vidare<\/a><\/td><\/tr><tr class=\"comparison-table__row\"  data-columns=\"8\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Saldo sparkonto\"\n                data-product-id=\"76822\">\n                \n                <a target=\"_blank\"  data-url_param_unq=\"\"  data-url_param_pid=\"76822\"  rel=\"sponsored nofollow\"  href=\"https:\/\/financer.se\/foretag\/saldo-sparkonto\/redirect\/\">\n                    <img decoding=\"async\" title=\"Saldo sparkonto\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/2\/logo-31.png\" alt=\"Saldo sparkonto\">\n                <\/a><\/td><td data-sorting=\"manual-data-point-1\" data-sorting-value=\"Nej\">\n                        <span class=\"comparison-table__text\">Nej<\/span><\/td><td data-sorting=\"manual-data-point-2\" data-sorting-value=\"Ja\">\n                        <span class=\"comparison-table__text\">Ja<\/span><\/td><td data-sorting=\"manual-data-point-3\" data-sorting-value=\"Nej\">\n                        <span class=\"comparison-table__text\">Nej<\/span><\/td><td data-sorting=\"manual-data-point-4\" data-sorting-value=\"Upp till 4 % (1 \u00e5rs bindningstid)\">\n                        <span class=\"comparison-table__text\">Upp till 4 % (1 \u00e5rs bindningstid)<\/span><\/td><td data-sorting=\"manual-data-point-5\" data-sorting-value=\"Bindningstid: 6 m\u00e5n - 5 \u00e5r\">\n                        <span class=\"comparison-table__text\">Bindningstid: 6 m\u00e5n &#8211; 5 \u00e5r<\/span><\/td><td data-sorting=\"affiliate\" data-sorting-value=\"0\"\n            js-data-comparison-table-button=\"\"><a target=\"_blank\"  rel=\"sponsored nofollow\" \n            href=\"https:\/\/financer.se\/foretag\/saldo-sparkonto\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"76822\" \n            class=\"button is-rounded is-primary is-arrow comparison-table__button\" target=\"_blank\" disabled>\n            G\u00e5 vidare<\/a><\/td><\/tr><tr class=\"comparison-table__row\"  data-columns=\"8\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Savelend\"\n                data-product-id=\"20640\">\n                \n                <a target=\"_blank\"  data-url_param_unq=\"\"  data-url_param_pid=\"20640\"  rel=\"sponsored nofollow\"  href=\"https:\/\/financer.se\/foretag\/savelend\/redirect\/\">\n                    <img decoding=\"async\" title=\"Savelend\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/2\/logo-3.png\" alt=\"Savelend\">\n                <\/a><\/td><td data-sorting=\"manual-data-point-1\" data-sorting-value=\"Nej\">\n                        <span class=\"comparison-table__text\">Nej<\/span><\/td><td data-sorting=\"manual-data-point-2\" data-sorting-value=\"Nej (kapitalskydd)\">\n                        <span class=\"comparison-table__text\">Nej (kapitalskydd)<\/span><\/td><td data-sorting=\"manual-data-point-3\" data-sorting-value=\"Nej\">\n                        <span class=\"comparison-table__text\">Nej<\/span><\/td><td data-sorting=\"manual-data-point-4\" data-sorting-value=\"6 %\">\n                        <span class=\"comparison-table__text\">6 %<\/span><\/td><td data-sorting=\"manual-data-point-5\" data-sorting-value=\"Bindningstid p\u00e5 12 eller 24 m\u00e5n\">\n                        <span class=\"comparison-table__text\">Bindningstid p\u00e5 12 eller 24 m\u00e5n<\/span><\/td><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n            js-data-comparison-table-button=\"\"><a target=\"_blank\"  rel=\"sponsored nofollow\" \n            href=\"https:\/\/financer.se\/foretag\/savelend\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"20640\" \n            class=\"button is-rounded is-primary is-arrow comparison-table__button\" target=\"_blank\" >\n            G\u00e5 vidare<\/a><\/td><\/tr><tr class=\"comparison-table__row\"  data-columns=\"8\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Brocc\"\n                data-product-id=\"8059\">\n                \n                <a target=\"_blank\"  data-url_param_unq=\"\" data-url_param_customlink=\"https:\/\/brocc.se\/spara\" data-url_param_pid=\"8059\"  rel=\"sponsored nofollow\"  href=\"https:\/\/financer.se\/foretag\/brocc\/redirect\/\">\n                    <img decoding=\"async\" title=\"Brocc\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/2\/brocc-logo-2018.jpg\" alt=\"Brocc\">\n                <\/a><\/td><td data-sorting=\"manual-data-point-1\" data-sorting-value=\"3,80 %\">\n                        <span class=\"comparison-table__text\">3,80 %<\/span><\/td><td data-sorting=\"manual-data-point-2\" data-sorting-value=\"Ja\">\n                        <span class=\"comparison-table__text\">Ja<\/span><\/td><td data-sorting=\"manual-data-point-3\" data-sorting-value=\"Ja\">\n                        <span class=\"comparison-table__text\">Ja<\/span><\/td><td data-sorting=\"manual-data-point-4\" data-sorting-value=\"4,30 % (2 \u00e5rs bindningstid)\">\n                        <span class=\"comparison-table__text\">4,30 % (2 \u00e5rs bindningstid)<\/span><\/td><td data-sorting=\"manual-data-point-5\" data-sorting-value=\"Utbetalning av r\u00e4nta varje m\u00e5nad\">\n                        <span class=\"comparison-table__text\">Utbetalning av r\u00e4nta varje m\u00e5nad<\/span><\/td><td data-sorting=\"affiliate\" data-sorting-value=\"0\"\n            js-data-comparison-table-button=\"\"><a target=\"_blank\"  rel=\"sponsored nofollow\" \n            href=\"https:\/\/financer.se\/foretag\/brocc\/redirect\/\" data-url_param_unq=\"\" data-url_param_customlink=\"https:\/\/brocc.se\/spara\" data-url_param_pid=\"8059\" \n            class=\"button is-rounded is-primary is-arrow comparison-table__button\" target=\"_blank\" disabled>\n            G\u00e5 vidare<\/a><\/td><\/tr><tr class=\"comparison-table__row\"  data-columns=\"8\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Moank\"\n                data-product-id=\"22021\">\n                \n                <a target=\"_blank\"  data-url_param_unq=\"\" data-url_param_customlink=\"https:\/\/www.moank.se\/spara-pengar\" data-url_param_pid=\"22021\"  rel=\"sponsored nofollow\"  href=\"https:\/\/financer.se\/foretag\/moank\/redirect\/\">\n                    <img decoding=\"async\" title=\"Moank\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/2\/untitled-project-2.jpg\" alt=\"Moank\">\n                <\/a><\/td><td data-sorting=\"manual-data-point-1\" data-sorting-value=\"3,85 %\">\n                        <span class=\"comparison-table__text\">3,85 %<\/span><\/td><td data-sorting=\"manual-data-point-2\" data-sorting-value=\"Ja\">\n                        <span class=\"comparison-table__text\">Ja<\/span><\/td><td data-sorting=\"manual-data-point-3\" data-sorting-value=\"Ja\">\n                        <span class=\"comparison-table__text\">Ja<\/span><\/td><td data-sorting=\"manual-data-point-4\" data-sorting-value=\"Erbjuds ej\">\n                        <span class=\"comparison-table__text\">Erbjuds ej<\/span><\/td><td data-sorting=\"manual-data-point-5\" data-sorting-value=\"Erbjuder ocks\u00e5 privatl\u00e5n upp till 600 000 kr\">\n                        <span class=\"comparison-table__text\">Erbjuder ocks\u00e5 privatl\u00e5n upp till 600 00&#8230;<span class=\"comparison-table__text-more\"> Visa mer<\/span><div class=\"comparison-table__text-full is-hidden\">\n                        <div class=\"comparison-table__text-full-corner\"><\/div>Erbjuder ocks\u00e5 privatl\u00e5n upp till 600 000 kr<span class=\"comparison-table__text-less\"> Visa mindre<\/span><\/div><\/span><\/td><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n            js-data-comparison-table-button=\"\"><a target=\"_blank\"  rel=\"sponsored nofollow\" \n            href=\"https:\/\/financer.se\/foretag\/moank\/redirect\/\" data-url_param_unq=\"\" data-url_param_customlink=\"https:\/\/www.moank.se\/spara-pengar\" data-url_param_pid=\"22021\" \n            class=\"button is-rounded is-primary is-arrow comparison-table__button\" target=\"_blank\" >\n            G\u00e5 vidare<\/a><\/td><\/tr><tr class=\"comparison-table__row\"  data-columns=\"8\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Northmill\"\n                data-product-id=\"7457\">\n                \n                <a target=\"_blank\"  data-url_param_unq=\"\" data-url_param_customlink=\"https:\/\/www.northmill.com\/se\/sparkonto\/\" data-url_param_pid=\"7457\"  rel=\"sponsored nofollow\"  href=\"https:\/\/financer.se\/foretag\/northmill\/redirect\/\">\n                    <img decoding=\"async\" title=\"Northmill\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/2\/logo-1-4.png\" alt=\"Northmill\">\n                <\/a><\/td><td data-sorting=\"manual-data-point-1\" data-sorting-value=\"3,75 %\">\n                        <span class=\"comparison-table__text\">3,75 %<\/span><\/td><td data-sorting=\"manual-data-point-2\" data-sorting-value=\"Ja\">\n                        <span class=\"comparison-table__text\">Ja<\/span><\/td><td data-sorting=\"manual-data-point-3\" data-sorting-value=\"Ja\">\n                        <span class=\"comparison-table__text\">Ja<\/span><\/td><td data-sorting=\"manual-data-point-4\" data-sorting-value=\"4,05 % (12 m\u00e5n bindningstid)\">\n                        <span class=\"comparison-table__text\">4,05 % (12 m\u00e5n bindningstid)<\/span><\/td><td data-sorting=\"manual-data-point-5\" data-sorting-value=\"Erbjuder 5 olika sparkonton med olika r\u00e4nta och olika bindningstid\">\n                        <span class=\"comparison-table__text\">Erbjuder 5 olika sparkonton med olika r\u00e4&#8230;<span class=\"comparison-table__text-more\"> Visa mer<\/span><div class=\"comparison-table__text-full is-hidden\">\n                        <div class=\"comparison-table__text-full-corner\"><\/div>Erbjuder 5 olika sparkonton med olika r\u00e4nta och olika bindningstid<span class=\"comparison-table__text-less\"> Visa mindre<\/span><\/div><\/span><\/td><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n            js-data-comparison-table-button=\"\"><a target=\"_blank\"  rel=\"sponsored nofollow\" \n            href=\"https:\/\/financer.se\/foretag\/northmill\/redirect\/\" data-url_param_unq=\"\" data-url_param_customlink=\"https:\/\/www.northmill.com\/se\/sparkonto\/\" data-url_param_pid=\"7457\" \n            class=\"button is-rounded is-primary is-arrow comparison-table__button\" target=\"_blank\" >\n            G\u00e5 vidare<\/a><\/td><\/tr><tr class=\"comparison-table__row\"  data-columns=\"8\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"SBAB\"\n                data-product-id=\"5000\">\n                \n                <a target=\"_blank\"  data-url_param_unq=\"\" data-url_param_customlink=\"https:\/\/www.sbab.se\/1\/privat\/spara\/sparkonto\/2\/vart_sparkonto.html\" data-url_param_pid=\"5000\"  rel=\"sponsored nofollow\"  href=\"https:\/\/financer.se\/foretag\/sbab\/redirect\/\">\n                    <img decoding=\"async\" title=\"SBAB\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/2\/SBAB-1.png\" alt=\"SBAB\">\n                <\/a><\/td><td data-sorting=\"manual-data-point-1\" data-sorting-value=\"3,65 %\">\n                        <span class=\"comparison-table__text\">3,65 %<\/span><\/td><td data-sorting=\"manual-data-point-2\" data-sorting-value=\"Ja\">\n                        <span class=\"comparison-table__text\">Ja<\/span><\/td><td data-sorting=\"manual-data-point-3\" data-sorting-value=\"Ja\">\n                        <span class=\"comparison-table__text\">Ja<\/span><\/td><td data-sorting=\"manual-data-point-4\" data-sorting-value=\"Erbjuds ej\">\n                        <span class=\"comparison-table__text\">Erbjuds ej<\/span><\/td><td data-sorting=\"manual-data-point-5\" data-sorting-value=\"Erbjuder m\u00f6jlighet att \u00f6ppna gemensamt sparkonto\">\n                        <span class=\"comparison-table__text\">Erbjuder m\u00f6jlighet att \u00f6ppna gemensamt s&#8230;<span class=\"comparison-table__text-more\"> Visa mer<\/span><div class=\"comparison-table__text-full is-hidden\">\n                        <div class=\"comparison-table__text-full-corner\"><\/div>Erbjuder m\u00f6jlighet att \u00f6ppna gemensamt sparkonto<span class=\"comparison-table__text-less\"> Visa mindre<\/span><\/div><\/span><\/td><td data-sorting=\"affiliate\" data-sorting-value=\"0\"\n            js-data-comparison-table-button=\"\"><a target=\"_blank\"  rel=\"sponsored nofollow\" \n            href=\"https:\/\/financer.se\/foretag\/sbab\/redirect\/\" data-url_param_unq=\"\" data-url_param_customlink=\"https:\/\/www.sbab.se\/1\/privat\/spara\/sparkonto\/2\/vart_sparkonto.html\" data-url_param_pid=\"5000\" \n            class=\"button is-rounded is-primary is-arrow comparison-table__button\" target=\"_blank\" disabled>\n            G\u00e5 vidare<\/a><\/td><\/tr>                            <\/tbody>\n                        <\/table>\n                    <\/div>\n                                        <table class=\"comparison-table comparison-table--mobile  is-hidden-tablet\"\n                           js-data-comparison-table=\"\" js-data-affiliate-on-top=\"false\">\n                        <thead>\n                            <tr>\n                                <th style=\"width: 125px\">\n                                    <span data-sorting=\"logo\"  data-sorting-type=\"asc\" class=\"comparison-table__title\">\n                                        F\u00f6retag                                    <\/span>\n                                <\/th>\n                                <th>\n                                    <span data-sorting=\"rating\" data-sorting-type=\"asc\" class=\"comparison-table__title\">\n                                        Allm\u00e4nt betyg                                    <\/span>\n                                <\/th>\n                                <th> <span data-sorting=\"manual-data-point-1\" data-sorting-type=\"asc\" class=\"comparison-table__title\" title=\"R\u00f6rlig r\u00e4nta\">\n                    R\u00f6rlig r\u00e4nta<\/span><\/th><th> <span data-sorting=\"manual-data-point-2\" data-sorting-type=\"asc\" class=\"comparison-table__title\" title=\"Statlig ins\u00e4ttningsgaranti\">\n                    Statlig ins\u00e4ttningsgara&#8230;<\/span><\/th><th> <span data-sorting=\"manual-data-point-3\" data-sorting-type=\"asc\" class=\"comparison-table__title\" title=\"Fria ins\u00e4ttningar\/uttag\">\n                    Fria ins\u00e4ttningar\/uttag<\/span><\/th><th> <span data-sorting=\"manual-data-point-4\" data-sorting-type=\"asc\" class=\"comparison-table__title\" title=\"Fast r\u00e4nta\">\n                    Fast r\u00e4nta<\/span><\/th><th> <span data-sorting=\"manual-data-point-5\" data-sorting-type=\"asc\" class=\"comparison-table__title\" title=\"\u00d6vrigt\">\n                    \u00d6vrigt<\/span><\/th>                                <th>G\u00e5 vidare                                <\/th>\n                            <\/tr>\n                        <\/thead>\n                        <tbody>\n                            <tr class=\"comparison-table__row\"  data-columns=\"8\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Multitude Bank\"\n                data-product-id=\"69062\">\n                \n                <a target=\"_blank\"  data-url_param_unq=\"\"  data-url_param_pid=\"69062\"  rel=\"sponsored nofollow\"  href=\"https:\/\/financer.se\/foretag\/multitude-bank\/redirect\/\">\n                    <img decoding=\"async\" title=\"Multitude Bank\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/2\/logo-21.png\" alt=\"Multitude Bank\">\n                <\/a><\/td><td data-sorting=\"manual-data-point-1\" data-sorting-value=\"4,30 %\">\n                        <span class=\"comparison-table__text\">4,30 %<\/span><\/td><td data-sorting=\"manual-data-point-2\" data-sorting-value=\"Ja\">\n                        <span class=\"comparison-table__text\">Ja<\/span><\/td><td data-sorting=\"manual-data-point-3\" data-sorting-value=\"Ja\">\n                        <span class=\"comparison-table__text\">Ja<\/span><\/td><td data-sorting=\"manual-data-point-4\" data-sorting-value=\"4,00 % (12 m\u00e5n bindningstid)\">\n                        <span class=\"comparison-table__text\">4,00 % (12 m\u00e5n bindningstid)<\/span><\/td><td data-sorting=\"manual-data-point-5\" data-sorting-value=\"T\u00e4cks av ins\u00e4ttningsgarantin p\u00e5 Malta (upp till 100 000 euro)\">\n                        <span class=\"comparison-table__text\">T\u00e4cks av ins\u00e4ttningsgarantin p\u00e5 Malta (u&#8230;<span class=\"comparison-table__text-more\"> Visa mer<\/span><div class=\"comparison-table__text-full is-hidden\">\n                        <div class=\"comparison-table__text-full-corner\"><\/div>T\u00e4cks av ins\u00e4ttningsgarantin p\u00e5 Malta (upp till 100 000 euro)<span class=\"comparison-table__text-less\"> Visa mindre<\/span><\/div><\/span><\/td><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n            js-data-comparison-table-button=\"\"><a target=\"_blank\"  rel=\"sponsored nofollow\" \n            href=\"https:\/\/financer.se\/foretag\/multitude-bank\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"69062\" \n            class=\"button is-rounded is-primary is-arrow comparison-table__button\" target=\"_blank\" >\n            G\u00e5 vidare<\/a><\/td><\/tr><tr class=\"comparison-table__row\"  data-columns=\"8\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Saldo sparkonto\"\n                data-product-id=\"76822\">\n                \n                <a target=\"_blank\"  data-url_param_unq=\"\"  data-url_param_pid=\"76822\"  rel=\"sponsored nofollow\"  href=\"https:\/\/financer.se\/foretag\/saldo-sparkonto\/redirect\/\">\n                    <img decoding=\"async\" title=\"Saldo sparkonto\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/2\/logo-31.png\" alt=\"Saldo sparkonto\">\n                <\/a><\/td><td data-sorting=\"manual-data-point-1\" data-sorting-value=\"Nej\">\n                        <span class=\"comparison-table__text\">Nej<\/span><\/td><td data-sorting=\"manual-data-point-2\" data-sorting-value=\"Ja\">\n                        <span class=\"comparison-table__text\">Ja<\/span><\/td><td data-sorting=\"manual-data-point-3\" data-sorting-value=\"Nej\">\n                        <span class=\"comparison-table__text\">Nej<\/span><\/td><td data-sorting=\"manual-data-point-4\" data-sorting-value=\"Upp till 4 % (1 \u00e5rs bindningstid)\">\n                        <span class=\"comparison-table__text\">Upp till 4 % (1 \u00e5rs bindningstid)<\/span><\/td><td data-sorting=\"manual-data-point-5\" data-sorting-value=\"Bindningstid: 6 m\u00e5n - 5 \u00e5r\">\n                        <span class=\"comparison-table__text\">Bindningstid: 6 m\u00e5n &#8211; 5 \u00e5r<\/span><\/td><td data-sorting=\"affiliate\" data-sorting-value=\"0\"\n            js-data-comparison-table-button=\"\"><a target=\"_blank\"  rel=\"sponsored nofollow\" \n            href=\"https:\/\/financer.se\/foretag\/saldo-sparkonto\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"76822\" \n            class=\"button is-rounded is-primary is-arrow comparison-table__button\" target=\"_blank\" disabled>\n            G\u00e5 vidare<\/a><\/td><\/tr><tr class=\"comparison-table__row\"  data-columns=\"8\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Savelend\"\n                data-product-id=\"20640\">\n                \n                <a target=\"_blank\"  data-url_param_unq=\"\"  data-url_param_pid=\"20640\"  rel=\"sponsored nofollow\"  href=\"https:\/\/financer.se\/foretag\/savelend\/redirect\/\">\n                    <img decoding=\"async\" title=\"Savelend\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/2\/logo-3.png\" alt=\"Savelend\">\n                <\/a><\/td><td data-sorting=\"manual-data-point-1\" data-sorting-value=\"Nej\">\n                        <span class=\"comparison-table__text\">Nej<\/span><\/td><td data-sorting=\"manual-data-point-2\" data-sorting-value=\"Nej (kapitalskydd)\">\n                        <span class=\"comparison-table__text\">Nej (kapitalskydd)<\/span><\/td><td data-sorting=\"manual-data-point-3\" data-sorting-value=\"Nej\">\n                        <span class=\"comparison-table__text\">Nej<\/span><\/td><td data-sorting=\"manual-data-point-4\" data-sorting-value=\"6 %\">\n                        <span class=\"comparison-table__text\">6 %<\/span><\/td><td data-sorting=\"manual-data-point-5\" data-sorting-value=\"Bindningstid p\u00e5 12 eller 24 m\u00e5n\">\n                        <span class=\"comparison-table__text\">Bindningstid p\u00e5 12 eller 24 m\u00e5n<\/span><\/td><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n            js-data-comparison-table-button=\"\"><a target=\"_blank\"  rel=\"sponsored nofollow\" \n            href=\"https:\/\/financer.se\/foretag\/savelend\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"20640\" \n            class=\"button is-rounded is-primary is-arrow comparison-table__button\" target=\"_blank\" >\n            G\u00e5 vidare<\/a><\/td><\/tr><tr class=\"comparison-table__row\"  data-columns=\"8\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Brocc\"\n                data-product-id=\"8059\">\n                \n                <a target=\"_blank\"  data-url_param_unq=\"\" data-url_param_customlink=\"https:\/\/brocc.se\/spara\" data-url_param_pid=\"8059\"  rel=\"sponsored nofollow\"  href=\"https:\/\/financer.se\/foretag\/brocc\/redirect\/\">\n                    <img decoding=\"async\" title=\"Brocc\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/2\/brocc-logo-2018.jpg\" alt=\"Brocc\">\n                <\/a><\/td><td data-sorting=\"manual-data-point-1\" data-sorting-value=\"3,80 %\">\n                        <span class=\"comparison-table__text\">3,80 %<\/span><\/td><td data-sorting=\"manual-data-point-2\" data-sorting-value=\"Ja\">\n                        <span class=\"comparison-table__text\">Ja<\/span><\/td><td data-sorting=\"manual-data-point-3\" data-sorting-value=\"Ja\">\n                        <span class=\"comparison-table__text\">Ja<\/span><\/td><td data-sorting=\"manual-data-point-4\" data-sorting-value=\"4,30 % (2 \u00e5rs bindningstid)\">\n                        <span class=\"comparison-table__text\">4,30 % (2 \u00e5rs bindningstid)<\/span><\/td><td data-sorting=\"manual-data-point-5\" data-sorting-value=\"Utbetalning av r\u00e4nta varje m\u00e5nad\">\n                        <span class=\"comparison-table__text\">Utbetalning av r\u00e4nta varje m\u00e5nad<\/span><\/td><td data-sorting=\"affiliate\" data-sorting-value=\"0\"\n            js-data-comparison-table-button=\"\"><a target=\"_blank\"  rel=\"sponsored nofollow\" \n            href=\"https:\/\/financer.se\/foretag\/brocc\/redirect\/\" data-url_param_unq=\"\" data-url_param_customlink=\"https:\/\/brocc.se\/spara\" data-url_param_pid=\"8059\" \n            class=\"button is-rounded is-primary is-arrow comparison-table__button\" target=\"_blank\" disabled>\n            G\u00e5 vidare<\/a><\/td><\/tr><tr class=\"comparison-table__row\"  data-columns=\"8\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Moank\"\n                data-product-id=\"22021\">\n                \n                <a target=\"_blank\"  data-url_param_unq=\"\" data-url_param_customlink=\"https:\/\/www.moank.se\/spara-pengar\" data-url_param_pid=\"22021\"  rel=\"sponsored nofollow\"  href=\"https:\/\/financer.se\/foretag\/moank\/redirect\/\">\n                    <img decoding=\"async\" title=\"Moank\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/2\/untitled-project-2.jpg\" alt=\"Moank\">\n                <\/a><\/td><td data-sorting=\"manual-data-point-1\" data-sorting-value=\"3,85 %\">\n                        <span class=\"comparison-table__text\">3,85 %<\/span><\/td><td data-sorting=\"manual-data-point-2\" data-sorting-value=\"Ja\">\n                        <span class=\"comparison-table__text\">Ja<\/span><\/td><td data-sorting=\"manual-data-point-3\" data-sorting-value=\"Ja\">\n                        <span class=\"comparison-table__text\">Ja<\/span><\/td><td data-sorting=\"manual-data-point-4\" data-sorting-value=\"Erbjuds ej\">\n                        <span class=\"comparison-table__text\">Erbjuds ej<\/span><\/td><td data-sorting=\"manual-data-point-5\" data-sorting-value=\"Erbjuder ocks\u00e5 privatl\u00e5n upp till 600 000 kr\">\n                        <span class=\"comparison-table__text\">Erbjuder ocks\u00e5 privatl\u00e5n upp till 600 00&#8230;<span class=\"comparison-table__text-more\"> Visa mer<\/span><div class=\"comparison-table__text-full is-hidden\">\n                        <div class=\"comparison-table__text-full-corner\"><\/div>Erbjuder ocks\u00e5 privatl\u00e5n upp till 600 000 kr<span class=\"comparison-table__text-less\"> Visa mindre<\/span><\/div><\/span><\/td><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n            js-data-comparison-table-button=\"\"><a target=\"_blank\"  rel=\"sponsored nofollow\" \n            href=\"https:\/\/financer.se\/foretag\/moank\/redirect\/\" data-url_param_unq=\"\" data-url_param_customlink=\"https:\/\/www.moank.se\/spara-pengar\" data-url_param_pid=\"22021\" \n            class=\"button is-rounded is-primary is-arrow comparison-table__button\" target=\"_blank\" >\n            G\u00e5 vidare<\/a><\/td><\/tr><tr class=\"comparison-table__row\"  data-columns=\"8\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Northmill\"\n                data-product-id=\"7457\">\n                \n                <a target=\"_blank\"  data-url_param_unq=\"\" data-url_param_customlink=\"https:\/\/www.northmill.com\/se\/sparkonto\/\" data-url_param_pid=\"7457\"  rel=\"sponsored nofollow\"  href=\"https:\/\/financer.se\/foretag\/northmill\/redirect\/\">\n                    <img decoding=\"async\" title=\"Northmill\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/2\/logo-1-4.png\" alt=\"Northmill\">\n                <\/a><\/td><td data-sorting=\"manual-data-point-1\" data-sorting-value=\"3,75 %\">\n                        <span class=\"comparison-table__text\">3,75 %<\/span><\/td><td data-sorting=\"manual-data-point-2\" data-sorting-value=\"Ja\">\n                        <span class=\"comparison-table__text\">Ja<\/span><\/td><td data-sorting=\"manual-data-point-3\" data-sorting-value=\"Ja\">\n                        <span class=\"comparison-table__text\">Ja<\/span><\/td><td data-sorting=\"manual-data-point-4\" data-sorting-value=\"4,05 % (12 m\u00e5n bindningstid)\">\n                        <span class=\"comparison-table__text\">4,05 % (12 m\u00e5n bindningstid)<\/span><\/td><td data-sorting=\"manual-data-point-5\" data-sorting-value=\"Erbjuder 5 olika sparkonton med olika r\u00e4nta och olika bindningstid\">\n                        <span class=\"comparison-table__text\">Erbjuder 5 olika sparkonton med olika r\u00e4&#8230;<span class=\"comparison-table__text-more\"> Visa mer<\/span><div class=\"comparison-table__text-full is-hidden\">\n                        <div class=\"comparison-table__text-full-corner\"><\/div>Erbjuder 5 olika sparkonton med olika r\u00e4nta och olika bindningstid<span class=\"comparison-table__text-less\"> Visa mindre<\/span><\/div><\/span><\/td><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n            js-data-comparison-table-button=\"\"><a target=\"_blank\"  rel=\"sponsored nofollow\" \n            href=\"https:\/\/financer.se\/foretag\/northmill\/redirect\/\" data-url_param_unq=\"\" data-url_param_customlink=\"https:\/\/www.northmill.com\/se\/sparkonto\/\" data-url_param_pid=\"7457\" \n            class=\"button is-rounded is-primary is-arrow comparison-table__button\" target=\"_blank\" >\n            G\u00e5 vidare<\/a><\/td><\/tr><tr class=\"comparison-table__row\"  data-columns=\"8\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"SBAB\"\n                data-product-id=\"5000\">\n                \n                <a target=\"_blank\"  data-url_param_unq=\"\" data-url_param_customlink=\"https:\/\/www.sbab.se\/1\/privat\/spara\/sparkonto\/2\/vart_sparkonto.html\" data-url_param_pid=\"5000\"  rel=\"sponsored nofollow\"  href=\"https:\/\/financer.se\/foretag\/sbab\/redirect\/\">\n                    <img decoding=\"async\" title=\"SBAB\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/2\/SBAB-1.png\" alt=\"SBAB\">\n                <\/a><\/td><td data-sorting=\"manual-data-point-1\" data-sorting-value=\"3,65 %\">\n                        <span class=\"comparison-table__text\">3,65 %<\/span><\/td><td data-sorting=\"manual-data-point-2\" data-sorting-value=\"Ja\">\n                        <span class=\"comparison-table__text\">Ja<\/span><\/td><td data-sorting=\"manual-data-point-3\" data-sorting-value=\"Ja\">\n                        <span class=\"comparison-table__text\">Ja<\/span><\/td><td data-sorting=\"manual-data-point-4\" data-sorting-value=\"Erbjuds ej\">\n                        <span class=\"comparison-table__text\">Erbjuds ej<\/span><\/td><td data-sorting=\"manual-data-point-5\" data-sorting-value=\"Erbjuder m\u00f6jlighet att \u00f6ppna gemensamt sparkonto\">\n                        <span class=\"comparison-table__text\">Erbjuder m\u00f6jlighet att \u00f6ppna gemensamt s&#8230;<span class=\"comparison-table__text-more\"> Visa mer<\/span><div class=\"comparison-table__text-full is-hidden\">\n                        <div class=\"comparison-table__text-full-corner\"><\/div>Erbjuder m\u00f6jlighet att \u00f6ppna gemensamt sparkonto<span class=\"comparison-table__text-less\"> Visa mindre<\/span><\/div><\/span><\/td><td data-sorting=\"affiliate\" data-sorting-value=\"0\"\n            js-data-comparison-table-button=\"\"><a target=\"_blank\"  rel=\"sponsored nofollow\" \n            href=\"https:\/\/financer.se\/foretag\/sbab\/redirect\/\" data-url_param_unq=\"\" data-url_param_customlink=\"https:\/\/www.sbab.se\/1\/privat\/spara\/sparkonto\/2\/vart_sparkonto.html\" data-url_param_pid=\"5000\" \n            class=\"button is-rounded is-primary is-arrow comparison-table__button\" target=\"_blank\" disabled>\n            G\u00e5 vidare<\/a><\/td><\/tr>                        <\/tbody>\n                    <\/table>\n                <\/div>\n            <\/div>\n\n        \n\n\n<h2 class=\"wp-block-heading\" id=\"i3_bsta_sparkonton_fn_date_formatY\">3 b\u00e4sta sparkonton 2025<\/h2>\n\n\n\n<p>Nedan har vi listat v\u00e5ra favoriter: de b\u00e4sta sparkontona 2025.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Multitude_Bank_\">Multitude Bank <\/h3>\n\n\n\n<p>Multitude Bank erbjuder ett sparkonto f\u00f6r svenskar med h\u00f6g och f\u00f6rm\u00e5nlig r\u00e4nta.<\/p>\n\n\n\n<ul>\n<li>R\u00e4nta mellan 3,45%-4,30 % (september 2024)<\/li>\n\n\n\n<li>R\u00f6rlig eller fast r\u00e4nta<\/li>\n\n\n\n<li>Omfattas av den statliga ins\u00e4ttningsgarantin.<\/li>\n<\/ul>\n\n\n<div class=\"fn_block block_fn_items fields_containeris-hidden\"><div class=\"items-content__cards\"><div class=\"items-content__card \" data-header=\"\"><div class=\"items-content__card-top\"><div class=\"items-content__card-left\"><a href=\"https:\/\/financer.se\/foretag\/multitude-bank\/\" class=\"items-content__card-logo \" ><img decoding=\"async\" width=\"300\" height=\"100\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/2\/logo-21.png\" class=\"attachment-full size-full\" alt=\"\" \/><\/a><span class=\"items-content__card-chosen\">Valdes <strong>599<\/strong> g\u00e5nger<\/span><ul class=\"items-content__card-list\"><li >Sparkonto med r\u00e4nta upp till 4,30 % (sep 2024)<\/li><li >Statlig ins\u00e4ttningsgaranti<\/li><li >Sparkonton med b\u00e5de r\u00f6rlig och fast r\u00e4nta<\/li><li >\u00d6ppna konto online<\/li><\/ul><\/div><div class=\"items-content__card-datapoint-container no-data-point\"><\/div><div class=\"items-content__card-right\"><a href=\"https:\/\/financer.se\/foretag\/multitude-bank\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"69062\" data-url_param_t=\"company_single\" class=\"button is-primary is-rounded is-arrow items-content__card-see-offer items-content__card-see-offer--\" target=\"_blank\" rel=\"sponsored nofollow\">G\u00e5 vidare<\/a><a href=\"https:\/\/financer.se\/foretag\/multitude-bank\/\"  class=\"button is-rounded items-content__card-more-info\">Om f\u00f6retaget<\/a><a href=\"https:\/\/financer.se\/foretag\/multitude-bank\/#read-reviews\" class=\"simple-rating\"><div class=\"simple-rating__stars simple-rating__stars--right\">F\u00f6retagsbetyg:<\/div><span class=\"simple-rating-value rating_yellow\" data-rating-value=\"2.5\">2.5<\/span><\/a><span class=\"items-content__card-reviews\">L\u00e4s&nbsp;<a href=\"https:\/\/financer.se\/foretag\/multitude-bank\/#read-reviews\">2<\/strong>&nbsp;kundomd\u00f6men<\/a><\/div><\/div><\/div><\/div><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"Saldo_fastrntekonto_\">Saldo fastr\u00e4ntekonto <\/h3>\n\n\n\n<p>Saldo bank erbjuder ett fastr\u00e4ntekonto med h\u00f6g r\u00e4nta.<\/p>\n\n\n\n<ul>\n<li>Fastr\u00e4ntekonto med r\u00e4nta upp till 4,5 %<\/li>\n\n\n\n<li>Bindningstid p\u00e5 6 m\u00e5n till 5 \u00e5r<\/li>\n\n\n\n<li>Minsta sparbelopp: 10 000 kr<\/li>\n<\/ul>\n\n\n<div class=\"fn_block block_fn_items fields_containeris-hidden\"><div class=\"items-content__cards\"><div class=\"items-content__card \" data-header=\"\"><div class=\"items-content__card-top\"><div class=\"items-content__card-left\"><a href=\"https:\/\/financer.se\/foretag\/saldo-sparkonto\/\" class=\"items-content__card-logo \" ><img decoding=\"async\" width=\"300\" height=\"100\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/2\/logo-31.png\" class=\"attachment-full size-full\" alt=\"\" \/><\/a><span class=\"items-content__card-chosen\">Valdes <strong>43<\/strong> g\u00e5nger<\/span><ul class=\"items-content__card-list\"><li >Fastr\u00e4ntekonto med r\u00e4nta upp till 4 %<\/li><li >\u00d6ppna sparkonto direkt online<\/li><li >Minsta sparbelopp: 10 000 kr<\/li><li >Omfattas av ins\u00e4ttningsgaranti<\/li><\/ul><\/div><div class=\"items-content__card-datapoint-container no-data-point\"><\/div><div class=\"items-content__card-right\"><a href=\"https:\/\/financer.se\/foretag\/saldo-sparkonto\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"76822\" data-url_param_t=\"company_single\" class=\"button is-primary is-rounded is-arrow items-content__card-see-offer items-content__card-see-offer--\" target=\"_blank\" rel=\"sponsored nofollow\">G\u00e5 vidare<\/a><a href=\"https:\/\/financer.se\/foretag\/saldo-sparkonto\/\"  class=\"button is-rounded items-content__card-more-info\">Om f\u00f6retaget<\/a><a href=\"https:\/\/financer.se\/foretag\/saldo-sparkonto\/#read-reviews\" class=\"simple-rating\"><div class=\"simple-rating__stars simple-rating__stars--right\">F\u00f6retagsbetyg:<\/div><span class=\"simple-rating-value rating_gray\" data-rating-value=\"0\">N\/A<\/span><\/a><span class=\"items-content__card-reviews\">L\u00e4s&nbsp;<a href=\"https:\/\/financer.se\/foretag\/saldo-sparkonto\/#read-reviews\">0<\/strong>&nbsp;kundomd\u00f6men<\/a><\/div><\/div><\/div><\/div><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"Savelend_fastrntekonto\">Savelend fastr\u00e4ntekonto<\/h3>\n\n\n\n<p>SaveLend erbjuder ett fastr\u00e4ntekonto som fungerar lite annorlunda \u00e4n andra konton. Kontot omfatta inte omfattas av ins\u00e4ttningsgarantin eftersom det egentligen inte \u00e4r ett sparkonto utan en investering. <\/p>\n\n\n\n<p>D\u00e4remot \u00e4r du garanterad en viss avkastning fr\u00e5n Savelend via ett kapitalskydd.<\/p>\n\n\n\n<ul>\n<li>Du binder ditt kapital i minst 12 m\u00e5nader och f\u00e5r en fast avkastning p\u00e5 6 % efter l\u00f6ptiden<\/li>\n\n\n\n<li>S\u00e4tt in mellan 10 000 kr &#8211; 2 000 000 kr<\/li>\n\n\n\n<li>Ditt kapital investeras i krediter<\/li>\n<\/ul>\n\n\n<div class=\"fn_block block_fn_items fields_containeris-hidden\"><div class=\"items-content__cards\"><div class=\"items-content__card \" data-header=\"\"><div class=\"items-content__card-top\"><div class=\"items-content__card-left\"><a href=\"https:\/\/financer.se\/foretag\/savelend-fastrantekonto\/\" class=\"items-content__card-logo \" ><img decoding=\"async\" width=\"300\" height=\"100\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/2\/logo-34.png\" class=\"attachment-full size-full\" alt=\"\" \/><\/a><span class=\"items-content__card-chosen\">Valdes <strong>13<\/strong> g\u00e5nger<\/span><ul class=\"items-content__card-list\"><li >Erbjuder tre olika sparprodukter<\/li><li >F\u00f6r dig som vill ha stabil avkastning<\/li><li >Investera i olika projekt<\/li><li >\u00d6ppna konto online<\/li><\/ul><\/div><div class=\"items-content__card-datapoint-container no-data-point\"><\/div><div class=\"items-content__card-right\"><a href=\"https:\/\/financer.se\/foretag\/savelend-fastrantekonto\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"77406\" data-url_param_t=\"company_single\" class=\"button is-primary is-rounded is-arrow items-content__card-see-offer items-content__card-see-offer--\" target=\"_blank\" rel=\"sponsored nofollow\">G\u00e5 vidare<\/a><a href=\"https:\/\/financer.se\/foretag\/savelend-fastrantekonto\/\"  class=\"button is-rounded items-content__card-more-info\">Om f\u00f6retaget<\/a><a href=\"https:\/\/financer.se\/foretag\/savelend-fastrantekonto\/#read-reviews\" class=\"simple-rating\"><div class=\"simple-rating__stars simple-rating__stars--right\">F\u00f6retagsbetyg:<\/div><span class=\"simple-rating-value rating_gray\" data-rating-value=\"0\">N\/A<\/span><\/a><span class=\"items-content__card-reviews\">L\u00e4s&nbsp;<a href=\"https:\/\/financer.se\/foretag\/savelend-fastrantekonto\/#read-reviews\">0<\/strong>&nbsp;kundomd\u00f6men<\/a><\/div><\/div><\/div><\/div><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"S_gr_du_fr_att_ppna_ett_gratis_sparkonto\">S\u00e5 g\u00f6r du f\u00f6r att \u00f6ppna ett gratis sparkonto<\/h2>\n\n\n<div class=\"single-article__steps\">        <style>\n            .single-article__steps-items .single-article__steps-content {\n                background: #FFFFFF;\n                padding: 30px;\n                margin: 0 0 30px 0;\n                border-radius: 10px;\n                box-shadow: 0 0 10px 0 rgba(0, 0, 0, 0.14);\n                width: calc(100% - 5px);\n            }\n            .single-article__steps-items .single-article__steps-counter {\n                padding: 5px 20px;\n                border-radius: 3px;\n                background-color: #F5E7D8;\n                display: inline-block;\n                top: 15px;\n                left: -30px;\n                position: relative;\n                font-size: 16px;\n                font-weight: 600;\n            }\n\/*            .single-article__steps-items::before {\n                content: \"\";\n                position: absolute;\n                top: 20px;\n                left: 0;\n                height: calc(100% + 40px);\n                border-left: 2px dashed #e0e0e1;\n            }*\/\n            .single-article__conclusion-tag {\n                padding: 5px 20px;\n                border-radius: 3px;\n                color: #000000;\n                background-color: #F5E7D8;\n                display: inline-block;\n                top: 15px;\n                left: -30px;\n                position: relative;\n                font-size: 16px;\n                font-weight: 600;\n            }\n            .single-article__conclusion-item {\n                background: #FFFFFF;\n                padding: 30px;\n                margin: 0 0 30px 0;\n                border-radius: 10px;\n                box-shadow: 0 0 10px 0 rgba(0, 0, 0, 0.14);\n            }\n        <\/style>\n        <div class=\"single-article__steps-items\"><div class=\"single-article__steps-counter\" id=\"step_1\">Steg 1<\/div><div class=\"single-article__steps-content\"><h3 id=\"Jamfor-olika-sparkonton\">J\u00e4mf\u00f6r olika sparkonton<\/h3><p><a href=\"#top\">L\u00e4ngre upp<\/a> p\u00e5 sidan finns en lista med sparkonton med statlig ins\u00e4ttningsgaranti som har h\u00f6gst sparr\u00e4nta. J\u00e4mf\u00f6r de olika alternativen.<\/p><\/div><div class=\"single-article__steps-counter\" id=\"step_2\">Steg 2<\/div><div class=\"single-article__steps-content\"><h3 id=\"Vad-ar-viktigast-for-dig\">Vad \u00e4r viktigast f\u00f6r dig?<\/h3><p>Naturligtvis \u00e4r en h\u00f6g r\u00e4nta p\u00e5 sparkontot viktigt. Men det finns m\u00e5nga andra viktiga aspekter som fria uttag, ins\u00e4ttningsgaranti, kostnader etc. Fundera p\u00e5 vad som \u00e4r viktigast f\u00f6r just dig.<\/p><\/div><div class=\"single-article__steps-counter\" id=\"step_3\">Steg 3<\/div><div class=\"single-article__steps-content\"><h3 id=\"Las-mer-om-sparkonton\">L\u00e4s mer om sparkonton<\/h3><p>Scrolla l\u00e4ngre ner p\u00e5 den h\u00e4r sidan f\u00f6r att l\u00e4sa mer om hur sparkonton fungerar och hur man b\u00f6r t\u00e4nka n\u00e4r man \u00f6ppnar ett sparkonto.<\/p><\/div><div class=\"single-article__steps-counter\" id=\"step_4\">Steg 4<\/div><div class=\"single-article__steps-content\"><h3 id=\"Oppna-konto\">\u00d6ppna konto<\/h3><p>Hittat r\u00e4tt sparkonto f\u00f6r dig? Klicka d\u00e5 p\u00e5 den bl\u00e5 knappen l\u00e4ngst till h\u00f6ger i tabellen f\u00f6r att komma direkt till f\u00f6retagets hemsida.<\/p><\/div><\/div>            <div class=\"single-article__conclusion\">\n                            <\/div>\n            <\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Frdelar_och_nackdelar_med_att_spara_pengar_p_ett_sparkonto\">F\u00f6rdelar och nackdelar med att spara pengar p\u00e5 ett sparkonto<\/h2>\n\n\n\n<ul class=\"is-style-pros-list\">\n<li><strong>Ins\u00e4ttningsgaranti<\/strong>: Dina pengar \u00e4r skyddade upp till ett visst belopp genom den statliga ins\u00e4ttningsgarantin.<\/li>\n\n\n\n<li><strong>L\u00e5g risk<\/strong>: Sparkonton har mycket l\u00e5g risk j\u00e4mf\u00f6rt med andra investeringsformer som aktier eller fonder.<\/li>\n\n\n\n<li><strong>Tillg\u00e4nglighet<\/strong>: Pengarna \u00e4r oftast l\u00e4ttillg\u00e4ngliga och kan tas ut n\u00e4r som helst utan st\u00f6rre problem, speciellt p\u00e5 r\u00f6rliga konton.<\/li>\n\n\n\n<li><strong>Fast r\u00e4nta<\/strong>: Om du v\u00e4ljer ett sparkonto med fast r\u00e4nta vet du exakt hur mycket du kommer att tj\u00e4na \u00f6ver en viss period.<\/li>\n\n\n\n<li><strong>Enkelt att \u00f6ppna konto<\/strong>: Sparkonton \u00e4r enkla att anv\u00e4nda och kr\u00e4ver ingen s\u00e4rskild kunskap om investeringar.<\/li>\n<\/ul>\n\n\n\n<ul class=\"is-style-cons-list\">\n<li><strong>L\u00e5g r\u00e4nta<\/strong>: Avkastningen p\u00e5 sparkonton \u00e4r generellt l\u00e4gre j\u00e4mf\u00f6rt med andra investeringsalternativ, vilket kan g\u00f6ra det sv\u00e5rt att h\u00e5lla j\u00e4mna steg med inflationen.<\/li>\n\n\n\n<li><strong>Begr\u00e4nsat ins\u00e4ttningsbelopp<\/strong>: Vissa sparkonton har ett tak f\u00f6r hur mycket du kan s\u00e4tta in, vilket kan begr\u00e4nsa dina m\u00f6jligheter att spara st\u00f6rre summor.<\/li>\n<\/ul>\n\n\n\n<div class='fn_block block_fn_msg_box rocket search-hero--bg1'><h3>\u00d6ka avkastningen p\u00e5 dina investeringar p\u00e5 bar 5 minuter<\/h3><p>Nischade aktiem\u00e4klare \u00e4r vanligtvis mycket billigare \u00e4n banker<\/p><p class=\"has-text-left\"><a href='https:\/\/financer.se\/spara\/aktier\/' class='button is-normal is-primary is-rounded'>J\u00e4mf\u00f6r aktiem\u00e4klare nu<\/a><\/p><\/div><h2 class=\"wp-block-heading\" id=\"Sparkonto_eller_spara_i_aktier_och_fonder___vad_r_bst\">Sparkonto eller spara i aktier och fonder &#8211; vad \u00e4r b\u00e4st?<\/h2>\n\n\n\n<p>N\u00e4r det kommer till att v\u00e4lja mellan ett sparkonto och att spara i aktier och fonder, b\u00f6r du fundera p\u00e5:<\/p>\n\n\n\n<ul>\n<li>Vilka \u00e4r dina m\u00e5l g\u00e4llande avkastning?<\/li>\n\n\n\n<li>Hur h\u00f6g risk \u00e4r du beredd att ta?<\/li>\n\n\n\n<li>N\u00e4r beh\u00f6ver du anv\u00e4nda pengarna? <\/li>\n<\/ul>\n\n\n\n<p>Ett sparkonto erbjuder s\u00e4kerhet och stabilitet med l\u00e5g risk och \u00e4r ett bra val f\u00f6r dem som vill ha en trygg plats att f\u00f6rvara sina pengar med enkel tillg\u00e5ng. R\u00e4ntorna \u00e4r ofta l\u00e4gre, men ins\u00e4ttningsgarantin skyddar dina besparingar.<\/p>\n\n\n\n<p>\u00c5 andra sidan kan investeringar i aktier och fonder ge h\u00f6gre avkastning \u00f6ver tid, men de medf\u00f6r ocks\u00e5 h\u00f6gre risker. Marknadens sv\u00e4ngningar kan p\u00e5verka v\u00e4rdet p\u00e5 dina investeringar vilket kr\u00e4ver en l\u00e4ngre tidshorisont och en viss riskben\u00e4genhet. <\/p>\n\n\n\n<p><strong>F\u00f6r dig som \u00e4r villig att acceptera volatilitet och har tid att v\u00e4nta p\u00e5 potentiell tillv\u00e4xt, kan aktier och fonder vara ett mer l\u00f6nsamt alternativ.<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Aktiemklare_som_alternativ_till_sparkonto\">Aktiem\u00e4klare som alternativ till sparkonto<\/h3>\n\n\n<div class=\"fn_block block_fn_items fields_containeris-hidden\"><div class=\"items-content__cards\"><div class=\"items-content__card \" data-header=\"\"><div class=\"items-content__card-top\"><div class=\"items-content__card-left\"><a href=\"https:\/\/financer.se\/foretag\/avanza\/\" class=\"items-content__card-logo \" ><img decoding=\"async\" width=\"532\" height=\"233\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/2\/avanza.png\" class=\"attachment-full size-full\" alt=\"avanza-logo\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/2\/avanza.png 532w, https:\/\/financer.global\/app\/uploads\/sites\/2\/avanza-300x131.png 300w\" sizes=\"(max-width: 532px) 100vw, 532px\" \/><\/a><span class=\"items-content__card-chosen\">Valdes <strong>10&nbsp;388<\/strong> g\u00e5nger<\/span><ul class=\"items-content__card-list\"><li >Popul\u00e4r plattform &#8211; b\u00e4sta n\u00e4tm\u00e4klare enligt kunderna 11 \u00e5r i rad!<\/li><li >Gratis att \u00f6ppna konto och l\u00e5gt courtage (kostnad f\u00f6r aktiehandel)<\/li><li >Handla aktier, fonder, valuta, certifikat och mycket mer<\/li><li >Automatisk fondplacering i Avanza Auto<\/li><\/ul><\/div><div class=\"items-content__card-datapoint-container no-data-point\"><\/div><div class=\"items-content__card-right\"><a href=\"https:\/\/financer.se\/foretag\/avanza\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"4985\" data-url_param_t=\"company_single\" class=\"button is-primary is-rounded is-arrow items-content__card-see-offer items-content__card-see-offer--\" target=\"_blank\" rel=\"sponsored nofollow\">G\u00e5 vidare<\/a><a href=\"https:\/\/financer.se\/foretag\/avanza\/\"  class=\"button is-rounded items-content__card-more-info\">Om f\u00f6retaget<\/a><a href=\"https:\/\/financer.se\/foretag\/avanza\/#read-reviews\" class=\"simple-rating\"><div class=\"simple-rating__stars simple-rating__stars--right\">F\u00f6retagsbetyg:<\/div><span class=\"simple-rating-value rating_light-green\" data-rating-value=\"3.5\">3.5<\/span><\/a><span class=\"items-content__card-reviews\">L\u00e4s&nbsp;<a href=\"https:\/\/financer.se\/foretag\/avanza\/#read-reviews\">15<\/strong>&nbsp;kundomd\u00f6men<\/a><\/div><\/div><\/div><div class=\"items-content__card \" data-header=\"1\"><div class=\"items-content__card-top\"><div class=\"items-content__card-left\"><a href=\"https:\/\/financer.se\/foretag\/nordnet\/\" class=\"items-content__card-logo \" ><img decoding=\"async\" width=\"408\" height=\"104\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/2\/screen-shot-2018-11-13-at-15-06-13.png\" class=\"attachment-full size-full\" alt=\"nordnet new logo 2018\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/2\/screen-shot-2018-11-13-at-15-06-13.png 408w, https:\/\/financer.global\/app\/uploads\/sites\/2\/screen-shot-2018-11-13-at-15-06-13-300x76.png 300w\" sizes=\"(max-width: 408px) 100vw, 408px\" \/><\/a><span class=\"items-content__card-chosen\">Valdes <strong>1&nbsp;458<\/strong> g\u00e5nger<\/span><ul class=\"items-content__card-list\"><li >S\u00e4ker aktiehandel till l\u00e5gt courtage<\/li><li >\u00d6ppna investeringssparkonto f\u00f6r l\u00e4gre skatt<\/li><li >Gratis medlem i Shareville &#8211; Sveriges st\u00f6rsta forum f\u00f6r sparande<\/li><li >Omfattas av investerarskydd och ins\u00e4ttningsgaranti<\/li><\/ul><\/div><div class=\"items-content__card-datapoint-container no-data-point\"><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Accepterar anm\u00e4rkningar\n<\/span><span class=\"items-content__card-datapoint-value\">Nej. <\/span><\/div><\/div><div class=\"items-content__card-right\"><a href=\"https:\/\/financer.se\/foretag\/nordnet\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"6716\" data-url_param_t=\"company_single\" class=\"button is-primary is-rounded is-arrow items-content__card-see-offer items-content__card-see-offer--\" target=\"_blank\" rel=\"sponsored nofollow\">G\u00e5 vidare<\/a><a href=\"https:\/\/financer.se\/foretag\/nordnet\/\"  class=\"button is-rounded items-content__card-more-info\">Om f\u00f6retaget<\/a><a href=\"https:\/\/financer.se\/foretag\/nordnet\/#read-reviews\" class=\"simple-rating\"><div class=\"simple-rating__stars simple-rating__stars--right\">F\u00f6retagsbetyg:<\/div><span class=\"simple-rating-value rating_yellow\" data-rating-value=\"3\">3.0<\/span><\/a><span class=\"items-content__card-reviews\">L\u00e4s&nbsp;<a href=\"https:\/\/financer.se\/foretag\/nordnet\/#read-reviews\">17<\/strong>&nbsp;kundomd\u00f6men<\/a><\/div><\/div><\/div><div class=\"items-content__card \" data-header=\"\"><div class=\"items-content__card-top\"><div class=\"items-content__card-left\"><a href=\"https:\/\/financer.se\/foretag\/degiro\/\" class=\"items-content__card-logo \" ><img decoding=\"async\" width=\"522\" height=\"78\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/2\/logo-degiro-2018-min.png\" class=\"attachment-full size-full\" alt=\"degiro logo\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/2\/logo-degiro-2018-min.png 522w, https:\/\/financer.global\/app\/uploads\/sites\/2\/logo-degiro-2018-min-300x45.png 300w\" sizes=\"(max-width: 522px) 100vw, 522px\" \/><\/a><span class=\"items-content__card-chosen\">Valdes <strong>376<\/strong> g\u00e5nger<\/span><ul class=\"items-content__card-list\"><li >L\u00e5ga courtage och avgifter<\/li><li >Handla i app eller p\u00e5 dator<\/li><li >Stort utbud av aktier, ETF:er, trackers, optioner, terminer<\/li><li >St\u00e5r under tillsyn av Tyska finansinspektionen<\/li><\/ul><\/div><div class=\"items-content__card-datapoint-container no-data-point\"><\/div><div class=\"items-content__card-right\"><a href=\"https:\/\/financer.se\/foretag\/degiro\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"17157\" data-url_param_t=\"company_single\" class=\"button is-primary is-rounded is-arrow items-content__card-see-offer items-content__card-see-offer--\" target=\"_blank\" rel=\"sponsored nofollow\">G\u00e5 vidare<\/a><a href=\"https:\/\/financer.se\/foretag\/degiro\/\"  class=\"button is-rounded items-content__card-more-info\">Om f\u00f6retaget<\/a><a href=\"https:\/\/financer.se\/foretag\/degiro\/#read-reviews\" class=\"simple-rating\"><div class=\"simple-rating__stars simple-rating__stars--right\">F\u00f6retagsbetyg:<\/div><span class=\"simple-rating-value rating_orange\" data-rating-value=\"1.9\">1.9<\/span><\/a><span class=\"items-content__card-reviews\">L\u00e4s&nbsp;<a href=\"https:\/\/financer.se\/foretag\/degiro\/#read-reviews\">6<\/strong>&nbsp;kundomd\u00f6men<\/a><\/div><\/div><div class=\"items-content__card-description\" ><p>Obs: investeringar medf\u00f6r risker. Du kan f\u00f6rlora (hela eller delar av) ditt investerande kapital. Vi rekommenderar att du enbart investerar i finansiella produkter d\u00e4r du \u00e4r inf\u00f6rst\u00e5dd med vilka risker investeringen kan inneb\u00e4ra.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"Tabell_med_jmfrelse_ver_investeringar_i_aktierfonder_och_sparkonto\">Tabell med j\u00e4mf\u00f6relse \u00f6ver investeringar i aktier\/fonder och sparkonto<\/h3>\n\n\n\n<p>Denna tabell ger en \u00f6versikt \u00f6ver de viktigaste skillnaderna mellan att spara p\u00e5 ett sparkonto och att investera i <a href=\"https:\/\/financer.se\/spara\/aktier\/\">aktier<\/a> och <a href=\"https:\/\/financer.se\/spara\/fonder\/\" data-type=\"page\" data-id=\"21271\">fonder<\/a>.<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-fn-tables shortcode-no\"><table class=\"has-fixed-layout\"><thead><tr><th><strong>Aspekt<\/strong><\/th><th><strong>Sparkonto<\/strong><\/th><th><strong>Aktier\/Fonder<\/strong><\/th><\/tr><\/thead><tbody><tr><td><strong>S\u00e4kerhet<\/strong><\/td><td>H\u00f6g, med ins\u00e4ttningsgaranti<\/td><td>L\u00e5g, marknadsrisk<\/td><\/tr><tr><td><strong>Avkastning<\/strong><\/td><td>L\u00e5g, stabil<\/td><td>H\u00f6gre potential, men volatil<\/td><\/tr><tr><td><strong>Risk<\/strong><\/td><td>Mycket l\u00e5g<\/td><td>H\u00f6gre, beroende p\u00e5 marknadsfluktuationer<\/td><\/tr><tr><td><strong>Likviditet<\/strong><\/td><td>H\u00f6g, enkel tillg\u00e5ng till medel<\/td><td>Varierar, kan kr\u00e4va tid f\u00f6r f\u00f6rs\u00e4ljning<\/td><\/tr><tr><td><strong>Tidshorisont<\/strong><\/td><td>Kort till medell\u00e5ng<\/td><td>L\u00e5ngsiktig investering<\/td><\/tr><tr><td><strong>Komplexitet<\/strong><\/td><td>Enkel, kr\u00e4ver ingen s\u00e4rskild kunskap<\/td><td>Mer komplex, kr\u00e4ver kunskap och marknadsinsikt<\/td><\/tr><tr><td><strong>Skydd mot inflation<\/strong><\/td><td>L\u00e5g, risk f\u00f6r minskad k\u00f6pkraft<\/td><td>H\u00f6gre chans att \u00f6vertr\u00e4ffa inflationen<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Viktiga_saker_att_ha_koll_p_nr_du_vljer_sparkonto\">Viktiga saker att ha koll p\u00e5 n\u00e4r du v\u00e4ljer sparkonto<\/h2>\n\n\n\n<p>N\u00e4r du v\u00e4ljer ett sparkonto \u00e4r det viktigt att \u00f6verv\u00e4ga flera faktorer f\u00f6r att s\u00e4kerst\u00e4lla att du f\u00e5r den b\u00e4sta m\u00f6jliga avkastningen och att dina besparingar \u00e4r s\u00e4kra. <\/p>\n\n\n\n<p><strong>H\u00e4r \u00e4r n\u00e5gra viktiga saker att t\u00e4nka p\u00e5:<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Sparkonto_med_fast_eller_rrlig_rnta\">Sparkonto med fast eller r\u00f6rlig r\u00e4nta?<\/h3>\n\n\n\n<p>Ett sparkonto med fast r\u00e4nta inneb\u00e4r att r\u00e4ntan f\u00f6rblir densamma under hela bindningstiden, vilket ger dig f\u00f6ruts\u00e4gbarhet och stabilitet i din avkastning. <\/p>\n\n\n\n<p>Detta \u00e4r ett bra alternativ om du vill veta exakt hur mycket dina pengar kommer att v\u00e4xa \u00f6ver en viss period.<\/p>\n\n\n\n<p>Ett sparkonto med r\u00f6rlig r\u00e4nta ger dig m\u00f6jlighet att dra nytta av r\u00e4nteh\u00f6jningar, men det inneb\u00e4r ocks\u00e5 att din avkastning kan variera \u00f6ver tid. <\/p>\n\n\n\n<p><strong>Om du tror att r\u00e4ntorna kommer att stiga, kan ett r\u00f6rligt konto vara f\u00f6rdelaktigt, men om du vill ha trygghet och s\u00e4kerhet kan en fast r\u00e4nta vara b\u00e4ttre.<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Vad_pverkar_sparrntan_som_bankerna_erbjuder\">Vad p\u00e5verkar sparr\u00e4ntan som bankerna erbjuder?<\/h3>\n\n\n\n<p>Sparr\u00e4ntan som bankerna erbjuder p\u00e5verkas av flera faktorer:<\/p>\n\n\n\n<ul>\n<li>Den allm\u00e4nna ekonomiska situationen<\/li>\n\n\n\n<li>Centralbankens styrr\u00e4nta <\/li>\n\n\n\n<li>Bankernas konkurrenssituation<\/li>\n\n\n\n<li>Mindre banker erbjuder oftast b\u00e4ttre r\u00e4ntor<\/li>\n<\/ul>\n\n\n\n<p>Ytterligare faktorer inkluderar bankens likviditetsbehov och hur mycket de \u00e4r villiga att betala f\u00f6r att l\u00e5na dina pengar. Inflationsf\u00f6rv\u00e4ntningar kan ocks\u00e5 p\u00e5verka r\u00e4ntorna, eftersom banker justerar sina erbjudanden f\u00f6r att kompensera f\u00f6r inflationsrisker.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Varfr_r_statlig_insttningsgaranti_viktigt\">Varf\u00f6r \u00e4r statlig ins\u00e4ttningsgaranti viktigt?<\/h3>\n\n\n\n<p>Den <a href=\"https:\/\/financer.se\/privatekonomi\/artiklar\/insattningsgaranti\/\" data-type=\"link\" data-id=\"https:\/\/financer.se\/privatekonomi\/artiklar\/insattningsgaranti\/\">statliga ins\u00e4ttningsgarantin<\/a> \u00e4r en skydds\u00e5tg\u00e4rd som garanterar att dina besparingar \u00e4r s\u00e4kra upp till ett visst belopp, vanligtvis 1 050 000 kr.<\/p>\n\n\n\n<p><strong>Detta inneb\u00e4r att om banken skulle g\u00e5 i konkurs, \u00e4r dina pengar skyddade upp till detta belopp.<\/strong><\/p>\n\n\n\n<p>Numera \u00e4r ett lagstadgat krav f\u00f6r banker inom EU, inklusive Sverige, att erbjuda statlig ins\u00e4ttningsgaranti. I Sverige administreras ins\u00e4ttningsgarantin av Riksg\u00e4lden och den garanterar att du f\u00e5r tillbaka dina tillg\u00e5ngar p\u00e5 upp  till 1 050 000 kr i h\u00e4ndelse av att banken g\u00e5r i konkurs.<\/p>\n\n\n\n<p>S\u00e5 n\u00e4r du v\u00e4ljer ett sparkonto i en bank som verkar i Sverige eller inom EU, kan du vara trygg med att dina pengar \u00e4r skyddade upp till det garanterade beloppet.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Fria_uttag_eller_ej\">Fria uttag eller ej?<\/h3>\n\n\n\n<p>N\u00e4r du v\u00e4ljer ett sparkonto \u00e4r det ocks\u00e5 viktigt att t\u00e4nka p\u00e5 hur flexibel kontot \u00e4r n\u00e4r det g\u00e4ller uttag. <\/p>\n\n\n\n<p>Ett sparkonto med fria uttag l\u00e5ter dig ta ut dina pengar n\u00e4r som helst utan avgifter, vilket ger dig h\u00f6g flexibilitet och tillg\u00e5ng till dina medel vid behov.<\/p>\n\n\n\n<p>D\u00e4remot kan sparkonton med begr\u00e4nsade uttag erbjuda h\u00f6gre r\u00e4ntor som en kompensation f\u00f6r den minskade flexibiliteten. Om du inte beh\u00f6ver ha omedelbar tillg\u00e5ng till dina pengar, kan ett s\u00e5dant konto vara ett bra alternativ f\u00f6r att f\u00e5 en b\u00e4ttre avkastning.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"i8_saker_att_kontrollera_nr_du_jmfr_sparkonton\">8 saker att kontrollera n\u00e4r du j\u00e4mf\u00f6r sparkonton<\/h2>\n\n\n\n<ol>\n<li><strong>R\u00e4nta<\/strong>: Kontrollera vilken r\u00e4nta som erbjuds och om den \u00e4r fast eller r\u00f6rlig. En h\u00f6gre r\u00e4nta inneb\u00e4r b\u00e4ttre avkastning p\u00e5 dina besparingar.<\/li>\n\n\n\n<li><strong>Ins\u00e4ttningsgaranti<\/strong>: Dina pengar \u00e4r skyddade upp till 1 050 000 kr genom den statliga ins\u00e4ttningsgarantin n\u00e4r du \u00f6ppnar ett sparkonto. D\u00e4rmed beh\u00f6ver du inte fundera p\u00e5 om banken erbjuder detta eller ej.<\/li>\n\n\n\n<li><strong>Avgifter<\/strong>: Kontrollera om det finns n\u00e5gra avgifter f\u00f6r att \u00f6ppna eller underh\u00e5lla kontot, eller f\u00f6r att g\u00f6ra uttag.<\/li>\n\n\n\n<li><strong>Uttagsvillkor<\/strong>: Ta reda p\u00e5 om det finns fria uttag eller om det finns begr\u00e4nsningar och avgifter f\u00f6r uttag. V\u00e4lj ett konto som passar dina behov av likviditet.<\/li>\n\n\n\n<li><strong>Bindningstid<\/strong>: Best\u00e4m om du vill ha ett konto med bindningstid (fasta r\u00e4ntor) eller utan bindningstid (r\u00f6rliga r\u00e4ntor). Bindningstider kan ge h\u00f6gre r\u00e4ntor men minskad flexibilitet.<\/li>\n\n\n\n<li><strong>Minsta ins\u00e4ttning<\/strong>: Kontrollera om det finns krav p\u00e5 minsta ins\u00e4ttning f\u00f6r att \u00f6ppna kontot, och om detta passar din nuvarande ekonomiska situation.<\/li>\n\n\n\n<li><strong>Maximal ins\u00e4ttning<\/strong>: Kontrollera om det finns en maximal gr\u00e4ns f\u00f6r hur mycket du kan s\u00e4tta in p\u00e5 kontot. Detta kan vara viktigt om du har stora belopp att spara.<\/li>\n\n\n\n<li><strong>Bankens rykte och kundservice<\/strong>: Unders\u00f6k bankens rykte och deras kundservice. En bank med god kundservice kan g\u00f6ra det enklare att hantera eventuella problem som uppst\u00e5r.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Jmfr_sparkonto_med_lg_rnta_p_Financerse\">J\u00e4mf\u00f6r sparkonto med l\u00e5g r\u00e4nta p\u00e5 Financer.se<\/h2>\n\n\n\n<p>P\u00e5 Financer.se kan du enkelt j\u00e4mf\u00f6ra sparkonton med l\u00e5g r\u00e4nta fr\u00e5n olika banker och finansinstitut. Genom att anv\u00e4nda deras j\u00e4mf\u00f6relsetj\u00e4nst f\u00e5r du en \u00f6versikt \u00f6ver de b\u00e4sta alternativen, inklusive r\u00e4ntesatser, villkor och avgifter. <\/p>\n\n\n\n<p><strong>Detta hj\u00e4lper dig att hitta det mest f\u00f6rdelaktiga sparkontot f\u00f6r dina besparingar, \u00e4ven om du f\u00f6redrar l\u00e5g risk och stabil avkastning.<\/strong><\/p>\n\n\n<div class=\"fn_block block_fn_button  buttons  is-flex is-flex-direction-column is-align-items-flex-start\"><a href=\"#top\" class=\"button  is-rounded is-primary is-medium is-fullwidth\" target=\"_self\"  >J\u00e4mf\u00f6r b\u00e4sta sparkonton h\u00e4r<\/a><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Vanliga_frgor_och_svar\">Vanliga fr\u00e5gor och svar<\/h2>\n\n\n<div class=\"fn_block block_fn_faq_list\"><h4>Vad \u00e4r skillnaden mellan r\u00f6rlig och fast r\u00e4nta p\u00e5 sparkonton?<\/h4><div class=\"faq_inner\"><p>En r\u00f6rlig r\u00e4nta kan variera \u00f6ver tid medan en fast r\u00e4nta \u00e4r l\u00e5st under en viss period. Ju l\u00e4ngre perioden \u00e4r desto h\u00f6gre r\u00e4nta f\u00e5r du.<\/p><\/div><h4>Finns det n\u00e5got maxbelopp jag f\u00e5r s\u00e4tta in p\u00e5 mitt sparkonto?<\/h4><div class=\"faq_inner\"><p>Ibland finns ett maxbelopp f\u00f6r hur mycket pengar du kan ha p\u00e5 ditt sparkonto. Kontrollera villkoren innan du \u00f6ppnar kontot eftersom reglerna skiljer sig \u00e5t mellan olika banker.<\/p><\/div><h4>Vad betyder &#8221;sparkonto med ins\u00e4ttningsgaranti&#8221;?<\/h4><div class=\"faq_inner\"><p>Ins\u00e4ttningsgarantin inneb\u00e4r att dina pengar p\u00e5 sparkontot \u00e4r skyddade upp till ett visst belopp (drygt 1 miljon kr) om banken skulle g\u00e5 i konkurs. I Sverige och EU \u00e4r det numera lag p\u00e5 detta.<\/p><\/div><h4>Beh\u00f6ver jag betala skatt p\u00e5 r\u00e4ntan jag tj\u00e4nar p\u00e5 mitt sparkonto?<\/h4><div class=\"faq_inner\"><p>Ja. Banken du sparar hos kommer att ange din intj\u00e4nade r\u00e4nta till skatteverket som kommer dra av 30 % i skatt p\u00e5 dina r\u00e4nteinkomster. Oftast sker detta automatiskt och banken drar av dessa 30 % innan de s\u00e4tter in r\u00e4ntan p\u00e5 ditt konto.<\/p><\/div><h4>Vad \u00e4r nackdelarna med ett sparkonto?<\/h4><div class=\"faq_inner\"><p>Den st\u00f6rsta nackdelen \u00e4r att du inte f\u00e5r s\u00e5 h\u00f6g avkastning p\u00e5 dina pengar. Historiskt sett har det gett h\u00f6gre avkastning att placera pengarna p\u00e5 b\u00f6rsen.<\/p><\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>Sparkonto med b\u00e4sta sparr\u00e4nta Vill du veta vilket sparkonto som har b\u00e4st r\u00e4nta och mest f\u00f6rdelaktiga villkor? H\u00e4r j\u00e4mf\u00f6r vi\u2026 <\/p>\n","protected":false},"author":7033,"featured_media":79419,"parent":18702,"menu_order":1,"comment_status":"closed","ping_status":"closed","template":"","meta":{"disable_branded_featured_image":false,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","ep_exclude_from_search":false},"categories":[1317],"tags":[1300,1208,1311],"_links":{"self":[{"href":"https:\/\/financer.se\/wp-json\/wp\/v2\/pages\/4703"}],"collection":[{"href":"https:\/\/financer.se\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/financer.se\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/financer.se\/wp-json\/wp\/v2\/users\/7033"}],"replies":[{"embeddable":true,"href":"https:\/\/financer.se\/wp-json\/wp\/v2\/comments?post=4703"}],"version-history":[{"count":49,"href":"https:\/\/financer.se\/wp-json\/wp\/v2\/pages\/4703\/revisions"}],"predecessor-version":[{"id":79255,"href":"https:\/\/financer.se\/wp-json\/wp\/v2\/pages\/4703\/revisions\/79255"}],"up":[{"embeddable":true,"href":"https:\/\/financer.se\/wp-json\/wp\/v2\/pages\/18702"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/financer.se\/wp-json\/wp\/v2\/media\/79419"}],"wp:attachment":[{"href":"https:\/\/financer.se\/wp-json\/wp\/v2\/media?parent=4703"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/financer.se\/wp-json\/wp\/v2\/categories?post=4703"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/financer.se\/wp-json\/wp\/v2\/tags?post=4703"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}